vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
After completing rehabilitation, I talked to representative who set up payment plan. Because of my low income my payments were {$0.00} for a specified time. After the specified time elapsed, my loans would be forgiven. My application was accepted during this phone conversation. 

About a month later, I received a letter from Navient stating the above application was rejected because I did n't supply my income tax statement. I mailed Navient the necessary information. Although I supplied the necessary information Navient is sending " statements '' for approximately $ 400 monthly payments. 


Problem : I have not been able to resolve the issue with Navient because all Navient 's contact numbers are not in service. 
Problem : I ca n't resolve issue with XXXX because they claim to have no records since turning " everything '' over in 2012. 

After receiving another statement I spoke with XXXX who said the XXXX is handling my loan not Navient. When I called XXXX, I was told XXXX has not handled loans since 2012 and to call Navient at XXXX XXXX XXXX. This number was not in service. 

The numbers Navient has listed on its statement are not in service. Navients website also lists these nonworking numbers. 

Problem : I do n't know who is servicing my loans and how my loan documentation is being processed. The accuracy of my loan information and loan status are doubtful. 

Multibillion dollar companies like the ones involved should have working numbers and trustworthy reliable document processing. Every number I 've been calling is NOT IN SERVICE. Additionally, XXXX, XXXX and NAVIENT should know who has final authority to " service '' my loans. 

As a borrower I should not have to guess as to who is servicing my loan, my loan balance and if my loan payment status has been updated. 

The original plan should be in effect and I should not have to continue sending the same information repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again.

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 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
XXXX : XXXX RE : Chicago Title Insurance Company In Regards To The Federal Trade Commission ( FTC ) Identity Theft, Fraud, and Money Laundering Complaint With Regards to ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX And The Property Located At XXXX, Illinois XXXX Along With Its Connection to the XXXX case number XXXX and the Appeal XXXX Dear U.S. Consumer Financial Protection Bureau : Please review the attached XXXX PDF Document Link about the above said matter. 
XXXX My former spouse, XXXX XXXX XXXX " XXXX '' committed Identity Theft, Fraud, aggravated Identity Theft, Impersonation, Theft, Money Laundering, and various other criminal action upon me and my titled property located at XXXX XXXX XXXX ; XXXX XXXX, Illinois XXXX. 
I have interest in my property from investment payments I paid onto the said mortgage, till my former spouse filed for divorce ; whereby, my former spouse stole funds from my XXXX XXXX XXXX for my parent company XXXX XXXX XXXX. 
As you can see from the provided documentation, my former spouse XXXX XXXX XXXX " XXXX '' has committed Home Owners ' Insurance Fraud when he filed a claim on XXXX XXXX, 2013. 
The Chicago Title Insurance Company has been aware of the cases and the controversy surrounding the said property for their agency is located within XXXX XXXX County, Illinois at the following address : XXXX, Illinois XXXX Tel : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Cooperation is defined by who we are. 
-- Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Chief Executive Operations Director XXXX, Illinois XXXX Tel : ( XXXX ) XXXX ______________________________________________________________ NOTICE : This E-mail ( including attachments ) is covered by the Electronic Communications Privacy Act, XXXX, is confidential and may be legally privileged. If you are not the intended recipient, you are hereby notified that any retention, dissemination, distribution, or copying of this communication is strictly prohibited. Please reply to the sender that you have received the message in error, then delete it. 
______________________________________________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: TN

Complaint narrative:
In XXXX, XXXX XXXX, a XXXX vendor, accused me of a late payment and attempted to charge me fees. It was only when I contacted the XXXX in that state XXXX admitted their error and relented. Now, Navient has accused me of missing a payment, even though I have bank records showing that the payment in question was made in XXXX ( although not due until XXXX XXXX ). I have submitted documents to the XXXX office once again, but I want some explanation as to why this continues to happen without any cause. I posited to the attorney general 's office that it might be a rather obvious attempt to " steal '' from individuals. Regardless, there must be some reason ; I do not feel I am the only victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: MD

Complaint narrative:
I was a student at XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The school was unable to help me finish, no one would answer the phone. A year later they sent me a certificate stating I graduated. I never received my diploma or stated I graduated. I never finished the classes. I could not get through to anyone. I left many many messages asking someone to help me. They gave me a lap top to use while I was a student but shut my lap top down so I could not even finish my work. I now have been fighting with NAVIENT to get these loans taken off my credit report. I am in a IBR and it is not showing on my credit report that I am on an IBR. It shows I need to make payments so my credit is very low and I am trying to buy a home but I can not bc they over charged me XXXX. Which is a whole other story linked to this awful school that has ruined my life. I can not find anyone to help me get these loans off my credit report. How should I be responsible for loans that I never finished or graduated from. Why will no one help me. Nobody cares I can not get through to NAVIENT they will not help me. I must get these loans updated that I pay {$0.00} am onth or taken off my credit and forgiven for the loans bc I never graduated and school shut down. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: CA

Complaint narrative:
Never was given an alternative to repay my loans in the beginning. Was forced to max out my forebearance. My loan amounts went from XXXX to over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America has repeatedly refused to accept my on time payments without explanation. After explaining this matter to countless representatives, I was repeatedly assured that the mistake was exclusively that of Bank of America 's and that I was, in fact, do a refund. To date, that refund has not been posted. All of the returned payments included the full and correct account number. There is no excuse for BoA 's unlawful conduct.

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 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
At XX/XX/XXXX, I had a buyer for our RV and because Bank of America failed to keep track of the title, I lost the sale despite the willingness of the potential buyers to wait over three week. Bank of America continues to have me as a loan customer, the buyers are on their way to XXXX and I have no recourse for a set of errors that are still unresolved. Because I lost the sale, I continue to pay approximately {$500.00} per month for the loan payment, insurance, rental space at a sales lot and printing brochures. The later into the summer, the less likely to find a buyer especially at the price that was agreed to in XXXX. 

Bank of America said that they would make every effort to obtain a replacement title for the RV but when I checked with NC DMV they indicated to me on XXXX XXXX that there was no additional requests for a replacement title. The only request was in XXXX 2015 which was the first time Bank of America indicated to me that they could not locate the title. That first replacement title was mailed to Bank of America in XXXX, XXXX where it was later sent to their repository in XXXX. XXXX DMV said that this second request for a replacements, even if processed, takes four to six weeks to complete. 

Key errors were first the lack of awareness two years ago on the part of Bank of America that they had never received the XXXX title for the RV. NC DMV said that it was returned to DMV. Second, when this was discovered and Bank of America had the replacement title in XXXX, the sending of that title to XXXX resulted in the loss of the title. 

Because a title was still not in hand, I asked XXXX XXXX XXXX on XXXX XXXX, through a XXXX XXXX XXXX a Customer Advocate from Bank America, to please contact the buyers and see if they would still like to complete the deal. They had already waited over three weeks and I had nothing I could say to encourage them to stay and complete this deal. XXXX XXXX called them and was told that evening that they could not wait any longer and that they had purchased a different RV. This was the evening of XXXX XXXX. XXXX XXXX called me and notified me that the sellers had purchased a different RV. That was over three weeks from the day the buyers agreed to buy my RV. My sale was lost. 

As of XXXX XXXX, 2015, there is no word of Bank of America obtaining a replacement title for my RV. I have no subsequent offers to buy my RV. I am continuing to make monthly payments to Bank of America by direct payment, also continuing to pay insurance and monthly rent of a space for displaying the RV at a local used vehicle sales lot.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America canceled my recurring payment without authorization, and charged me a late fee.

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 2016-05-13 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt was purchased by Jefferson Capital XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
dual tracking ... .. bank of America is attempting to foreclose on the home without a court date i have submitted all of the paperwork to the bank and they are trying to keep the sales date and prolong the process without contacting me ... .. fraudulent deeds were submitted .... payment history that only dates back to XX/XX/XXXX ... .. bank of America is illegally attempting to extort extra money for this home .... a sales date of XX/XX/XXXX is set without going to court

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 2017-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Allegedly, the servicing of my private student loan with XXXX has been transferred to FirstMark Services. Prior to the transfer, I had been current with XXXX and was promised an interest rate discount for making all payments timely. At the time of transfer to FirstMark ( approximately middle of XXXX 2016 ), I had asked both FirstMark and XXXX for a copy of my promissory note ( s ) for which they seek collection on to ensure that my interest rate discount had continued and so I could review the terms thereof. XXXX said I should call FirstMark. FirstMark said they did not have a copy of the note and they were waiting from XXXX. I have continually asked FirstMark over the last 3 months for a copy of the note and each time they have said they are waiting on it from XXXX. Additionally, FirstMark has said that under the agreement with XXXX that XXXX has additional time to provide the note to FirstMark. I am not a party to the FirstMark/XXXX agreement. I have waited 3 months to simply receive a copy of my promissory note which FirstMark has refused to provide or even give me voluntary updates. I have continued to pay FirstMark on their representation that they actually have the right to collect under my promissory note. However, I am growing increasingly skeptical of whether they have the legal right to collect under my note. At this juncture, in addition to this complaint to the CFPB, I am evaluating all legal remedies under the FDCPA and related state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank Credit Card - While out shopping card repeatedly kept declining. My first thought was that is fine since I had not used the card for shopping in quite sometime. I use monthly for Fitness Membership. 
So I decided to contact the fraud department to advise them that yes it is really me using the card. They were okay with that and said thanks for calling in for clarification/verification. I work in the XXXX XXXX Field so I really appreciated the Fraud Dept. looking out for my best interest. The only problem thereafter is that the card declined basically each time I tried using it and each time I called the fraud department. I was repeatedly advised that Capital One suspects fraud. Called the Executive office at XXXX and file a complaint with XXXX. I was advised it would take 7 to 10 business days for review. This was XXXX/XXXX/16. 
I called back to check the status XXXX/XXXX/16. XXXX with XXXX who advised me she would advise XXXX or whomever to please check the status of open case # XXXX. I called again today. XXXX called me back to let me know the case is still pending. I am contacting you because I do not feel they are taking my case seriously. I plan to travel out of the country XX/XX/XXXX-XX/XX/2016 and do not have faith my card will be authorized if used. I have never missed a payment with Capital One Bank. In fact, sent them a check for XXXX back in XX/XX/XXXX or XX/XX/2016 thus paying off the card in question ending in XXXX and a good chunk of the one ending in XXXX. I commend their fraud efforts as a XXXX worker. However, they are taking it to the extreme. It 's almost like they do not want to be in the credit card business. It is so embarrassing trying use to use my card to be declined in front of a bunch of strangers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: MD

Complaint narrative:
I took out XXXX student loans while completing my XXXX program at XXXX University in XXXX, AL.. however, my student loans have more than doubled what i borrowed initially. When i called XXXX to get a breakdown, ( as there was XXXX private loan i had no recollection of ) i did not get through to anyone, but when i tried again, i was provided with another number, where i left a message maybe over a year now, and no one has called me back. Whenever i call, it is quite difficult to get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief