vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XX/XX/2016 I had an unexpected auto payment withdrawn from my checking account without my knowledge through Navient. I had previously had autopay, but called and canceled it around XXXX 2016 due to hardships, so I would call in and make an over the phone payment with my credit card so I could control my finances more. My Federal loans remained on autopay but not Navient because Fed loans offer loan forgiveness when you make 10yrs of on-time payments while working for non-profit. When I called, they said I scheduled the payment back in the end of XX/XX/XXXX which does not make sense to schedule a XX/XX/XXXX payment 2months prior. I asked for stop payment because that money was coming out of my rent check and I never pay additional bills out of my rent check. They said because my due date was the XX/XX/XXXX, and if they refunded my amount that my account would be in default that they could not refund my money to me. It was a very rough 2 weeks to follow especially seeing I was traveling out of state for a wedding the next morning. So I definitely know I would n't plan a withdrawl of such a significant amount around that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I continue to be billed for a XXXX service on XX/XX/XXXX by XXXX XXXX was paid by XXXX under claim number XXXX dated XX/XX/XXXX paid the bill XXXX % of billed charges. they have sent me to a collection agency XXXX Ref # XXXX XXXX they are wanting {$730.00} total charge amount when this was paid. I have told them over and over and they are trying to ruin my credit and they have been paid already. I dont know what to do I feel like this fraud and they are trying to double dip. I need this taken care of because nothing is owed to them and the information has been provided to them multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
* I have created a new login because I am trying to dispute response from Bank of America in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Bank of America is claiming I am still liable for this debt even though the XXXX reads " Total debt is discharged with an Indentifiable Code : XXXX " which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing " delinquency ". I have filed and paid taxes on this " discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.

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 2016-05-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH BANK OF AMERICA AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. BOA SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. BOA PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK BOA TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-26 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: GA

Complaint narrative:
As a co-signor, I am authorized on my son 's account. We had XXXX Private Student Loans with XXXX XXXX. XXXX loans were combined as a Group on XXXX invoice and we always sent XXXX payment that was pro-rated between the loans. But after the loans were transferred to Navient, NO PAYMENT made in 2015 has ever been posted properly. 

I called Navient in XXXX and again in XXXX to ask that the account be fixed, but nothing ever happened. So in XXXX 2015, I wrote a letter with very detailed Excel spreadsheet attached showing how payments Were vs.Should Have Been applied. 

Instead of correcting the mess, Navient replied that our accounts are in XXXX Standing and that if we suspect that payments have n't been applied appropriately, then please contact them!!!! It 's insanity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX Credit Bureau - Bank of America - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Bank of America failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.

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 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster bank takes overdraft fees after XXXX electronic transfers were taken out after i purchased a book they took the money out again This has happened numerous times. These are not over drafted checks they are electronic transfers ' according to dood franks act you can not be charged for anyone under XXXX dollars they did this numerous times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have a pending court date set for XX/XX/XXXX. The only reason I found out about this was due to my new landlord running a background check for my occupancy permit per the City of XXXX. I was never served. Furthermore, I have never, in ANY capacity, been contacted by Jefferson Capital Systems. I only found out about their name recently when I ran my credit report prior to consolidating my student loans. After I noticed the collections for XXXX ( XXXX XXXX ) I contacted XXXX ( formerly named XXXX XXXX ) and they show no record of and defaulted loans, and all loans were paid off and brought current. It was only shortly after this consolidation XXXX XXXX moved to sue, still never notifying me in any capacity of their intent. 

Being as I was never contacted, I never had the opportunity to dispute. I have filed disputes with XXXX and XXXX ( currently pending, which again, I believed kept collections at bay and unable to file suit during that period ), and still never furnishing validation of debt. 

I am getting a copy of the documentation from the circuit clerk on file, and will arrive on my court date and explain this situation to the judge as well, as to avoid a possible default judgment. 

Per my report, Jefferson Capital has had this account since XX/XX/XXXX. In 2 years, I have never bee contacted in via mail, email, or phone call, by anyone with this company claiming I owe a debt. And now they have, to the extent I feel, filed suit illegally, in the hopes that that I would not become aware of their intent, and receive a judgement on account of my being absent. 

As XXXX XXXX has verified no debt is owed, the credit bureaus are investigating, and I have never been contacted regarding the debt in question, I am moving to contacting an attorney after XX/XX/XXXX with my findings after the court hearing. 

I also do not find it to be coincidence, that upon investigating as to WHO Jefferson Capital is, as stated since I have NEVER heard of them in the 2 years they apparently had this account, the first mention via a quick XXXX search is a case from XX/XX/XXXX. in which they attempted to sue an XXXX XXXX XXXX ( like myself ) briefly after he too consolidated his federal loans. 

I have contacted an attorney regarding this matter, and will by filing a similar complaint to the necessary receptors, as this, to me, seems to violate, in numerous capacities, the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-28 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: ID

Complaint narrative:
I have multiple private student loans from Navient, and I am under significant financial duress due to the burden of trying to pay {$550.00} worth of private loans with an additional $ 220 monthly on Federal XXXX loans. As such, I contacted Navient to tell them that I 'm not able to pay both loans simultaneously. After a lot of negotiation ; a manager at Navient agreed to extend the payment duration of my private loans and roughly cut my payment in half. The purpose of this was to help me pay both my private and federal loans simultaneously. Navient agreed with 100 % certainty to give this deal to me, provided I gave them authorization to withdraw payments from my checking account monthly. The only catch was that I had to call back the next month to initiate the deal because the private loan payment was already made for that month. When the next payment came due, I called back to initiate the new payment deal, and I was told that this was " never offered to me '' and that they refused to agree to the pre-agreed deal. As such, I requested the recorded conversations between me and Navient. The staff at Navient refused to provide this information to me, and they told me to call the Consumer Financial Protection Bureau if I took issue with their refusal. I am requesting help with this matter because I have been deceived by Navient and they have given me absolutely no flexibility in paying back my loans, despite the fact that I have absolutely no bankruptcy protections. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016, my client was approved for a loan modification thru Bank of America. It took a long time to get the modification, because my client was going thru a divorce at the time. The bank needed a copy of the XXXX and a quitclaim deed from the spouse to my client, so that the ex-spouse would not have to sign the modification documents or provide financial documents. Once we got all the documents to Bank of America, my client was approved for an FHA HAMP modification. When he received the trial modification offer, my client sent back the modification paperwork as requested by the bank in the envelope provided by Bank of America. He made his XXXX trial payments, XXXX, XXXX and XXXX and each was sent in early. On XXXX XXXX, 2016 he received a XXXX XXXX stating that he was denied the modification, because the bank did not receive " all the required signatures ''. My client was the only person who signed the modification papers due to the representation of the bank that the ex-wife would not need to sign if my client provided the XXXX and the quitclaim deed. This is totally unfair. We have been working this modification thru the attorney for Bank of America. At all times we were told that my client 's ex-wife would not need to sign any documents if we complied with the bank 's requirements of getting the couple divorced and the house put in the Husband 's name. The evidence to this agreement that they approved the modification without requiring the ex-wife 's financial documents and the bank 's requirement of providing the XXXX and quitclaim deed and numerous emails we have with the bank 's attorney. We tried to resolve this with BoA 's attorney but he is unable to provide assistance. My client has continued to make payments. Please help. There is no reason that this trial modification should not be made permanent.

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 2016-11-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX sent XXXX wire transfers to XXXX XXXX bank in XXXX, Texas to an account that was set up pretending to be one of our main suppliers of products ( XXXX XXXX ). Wires totaling {$120000.00} that should have gone to our suppler in XXXX, were received by some 3rd party at XXXX XXXX pretending to be XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
promissory note loan per alabama FCRA statue 6.2.37 and 6.2.30 statue of limitations for Alabama for this type of loan is 6 years delete from my credit report and I ca n't get any of the XXXX credit reports to remove loan I am XXXX and my loans have been discharge due to XXXX

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 — Having problems with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient has sytematically and illegally failed me at every stage of the student load repayment process. Navient has also systematically failed me in the beginning stages of loan origination. Navient 's response that the lawsuit is politically motivated is a copout to their known, intentional, and repulsive activities. Navient 's response infuriates me because I do n't need to research how they 've failed consumers. Citations are not needed for me to understand what they 've done. I have my own personal experience with Navient, its subsidiaries, and its associates. I am repulsed by Navient 's attempt to dodge responsibility under the cover of politics. I am repulsed by Navient 's effort to justify their evil mistreatment of consumers at every stage of the loan process. Furthermore, Navient 's response infuriates me because I have no recourse other than the hope of the Consumer Financial Protection Bureau 's lawsuit. Navient and their associates have literally intentionally lied regarding my private student loan. When it all boils down to it, it 's my word against theirs - regardless of what rules, regulations, and laws their collectors and associates must follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: CA

Complaint narrative:
I spoke to the bank about geting some fees waived on my account, I spoke to someone over a chat and they had a manager call me. The manager advised me that he would be able to help me, and that he would make sure my account would decline every transaction moving forward if my account was overdrawn. None of what this individual told me happened. This occurred on XXXX/XXXX/XXXX. Back in XXXX XXXX I was given wrong information by both a branch manager and a customer service manager. I was unable to pay rent and was forced to sleep in my car due to the incorrect information provided, I was also advised all my fees would be waived in light of the " miscommunication '' That did NOT happen. Every time i contact the bank I am talked down to, disrespected, not treated with dignity and lied 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 2016-09-27 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: CA

Complaint narrative:
Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.

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 2017-01-23 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: CO

Complaint narrative:
Navient increased my monthly payment without notice. And deterred me from income based repayment plant to forebearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 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 have a bank account with Bank of America here in XXXX, NC. I write checks to pay all my bills. A number of times Bank of America has allowed creditors to submit electronic withdrawals from my account without obtaining a cancelled check/check substitute from the payee ( merchant ). In other words they allowed the merchant to convert my check to an electronic transaction without my permission. I have gone to Bank of America and asked them to stop this practice because it can lead to anybody just submitting electronic withdrawals against my account. I do n't know about the withdrawal by electronic transaction until I see my bank statement which is too late for me to stop it. I researched this problem and found that the Federal Reserve issued a new rule called " Check XXXX ''. Check XXXX allows merchants to either return my original paper cancelled check to my bank or a substitute ( such as a picture of the original check ) and data as to when my check cleared. I had a discussion with the manager at my Bank of America location and he promised to contact the merchant. The problem has not been solved. I even called the companies involved. XXXX company, XXXX XXXX XXXX, told me I have to drive to their office ( 45 minutes away ) if I want a cancelled paper copy of my check. Another company, XXXX XXXX ( an account I have had for many years and was never late in payments ) told me I should buy a money order to pay them!! I cancelled my account with XXXX XXXX. XXXX XXXX XXXX, on the other hand, is a service I need. I think these companies are being overly aggressive just to speed up their cash flow thinking that the customer wo n't take the time to complain. I have a debit card from Bank of America that I use for local purchases ( gas, groceries, etc. ) My debit card with Bank of America requires a PIN whenever I use it. On the other hand Bank of America will allow out of town merchants, whom I have paid by check, to put through electronic withdrawals without question. I strenuously object to this-it is a bad banking practice.

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