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

Complaint narrative:
I went to collage before getting married, and was surprised when they were going to figure my payment from both incomes, but whatever then they said that they base the payment from my PRE-TAX income, if I brought home my pre-tax income I could make a payment, as it was they wanted almost XXXX dollars a month, which was too much and when I offered to send at least XXXX a month for good faith I was told not too bother that it would not be counted. Prior to becoming Navient I was paying XXXX $ a month and there is no record of it from Navient so that was a waste of payments so I have been deferring and racking up interest. I hope too have my car paid off in a few years ( need the car to get to work ) and I can put that payment to my Loans but it would still only be XXXX a month so im at a loss I want to pay but XXXX a month is too much I would rather pay XXXX a month till im XXXX then XXXX and not feed my family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America and their cohorts have made multiple intentional misrepresentations related to this account and the associated Deed of Trust or mortgage. 
On XXXX XXXX, XXXX, Bank of America, XXXX, XXXX, and XXXX XXXX XXXX XXXX ( XXXX ) represented to me, the public in general, and XXXX in specific, the property was to be sold at public auction when, in fact, only the unsecured XXXX Deed of Trust has been sold for {$320000.00} ( according to information provided by XXXX ). It is unclear if the XXXX Deed of Trust has been sold to a XXXX, or if Bank of America and their cohorts have merely removed the unsecured mortgage account from one investment pool to another. If the latter is true, it is further evidence of a real estate, Deed of Trust, and mortgage back securities racket supported by business relationships established for profit while defrauding unsuspecting law abiding good folk and, if government funds are involved, the tax payers of the state and federal governments of the United States of America. 

41 ) Defrauding the citizens of the United States of America. 
42 ) Defrauding the citizens of the State of California. 

Since XXXX XXXX, XXXX Bank of America has represented to me there have been XXXX " pre XXXX '' assigned as the designated single point of contact ( SPOC ) by the names of XXXX XXXX and XXXX XXXX. To my knowledge, the term " pre XXXX '' is not a term defined in the National Mortgage Settlement ( NMS ). 

All previously mentioned resolutions are desired and mandatory.

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 2017-01-20 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: TX

Complaint narrative:
All of my payments have been applied to interest only. Nothing I have paid on my loans has been applied to my principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I recently graduated from XXXX and as such have close to {$500000.00} of debt. Unfortunately, being a XXXX person from a XXXX class family, the only way to achieve higher education is to borrow. There are no scholarships or grants for the white middle class. My loans were transferred to Navient. The issue is that they consistently send communications via email and also will tell me when I speak to them on the phone, that my payments are up to date. My dad and I started calling to make sure we confirmed with them because we kept getting charged random late fees. There will not be any payments due and suddenly in the same week there is a past due payment with late fee. I received an email on XXXX/XXXX/15 that my account was up to date and my next payment was due XXXX/XXXX/15. The next week I have 20 missed calls from an unknown number and suddenly they are past due for 3 months, and I owe {$1600.00} when I just paid {$3000.00} to stay current up until XX/XX/XXXX. IT MAKES NO SENSE. I 'm tired of being taken advantage of by these loan companies. First XXXX XXXX, now Navient. Now, my payments are suddenly {$3000.00} per month. As a first year physician in training I make {$2300.00} a month. How am I supposed to afford $ 3000 monthly payments now? They offer no assistance or flexibility. I went to XXXX because I was young and naive and wanted to help people. Now I 'm just getting XXXX. I have terrible credit, will never be able to buy a home or have enough money to have children until I 'm XXXX. I had no idea there was a such thing as poor XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 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: CA

Complaint narrative:
I attended a similar private school like XXXX, called XXXX College ( in XXXX ). I attended XXXX College after being brain washed and convinced by all the commercials in the early morning shows, such as " XXXX XXXX '' and " XXXX XXXX. '' I was young and naive. After the tour, and all the successful stories told by the sales person ( lies of course ), I soon applied. A XXXX realized that the school was not accredited by the state and my credits could not be transfer to other colleges. I should 've got the hint when the whole night class would meet and gather in the conference room every few months and speak about transferring to XXXX XXXX or XXXX. Which of course the dean ( principal ) of the school would answer with a " that is a work in process. '' This whole time I was mislead by the sales people, teachers, and financial aid personnel, thinking I would a get XXXX in " XXXX XXXX '' in XXXX YEARS! Later to find out it was NOT TRUE. That certificate/diploma would not be recognized by employers because it was not approved by the state as an official XXXX. 
XXXX months, {$20000.00} ( school fees ) + {$12000.00} ( interest XXXX ) dollar in private loans, and debt later, I realized this school was a scam and quit attending XXXX College. 
XXXX, XXXX XXXX, now with Navient should not associate themselves with corporate companies that take advantage of low income students.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative 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 2017-03-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Bank of America while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at bank of america. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that " you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my 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 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America sold our loan to another bank and did not tell us they where doing so. When we went to pay our mortgage we where not allowed to pay it and it became late. This also hurts our credit cause of the way credit reporting companies rate length of credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My escrow charges are excessive. The yearly tax bill is only XXXX on my house. The bank in error is charging me XXXX for the escrow portion of my payment. I am XXXX and on a fixed income. I have sent qualified written requests to the bank to resolve this matter and nothing has been resolved.

Company public response: Company 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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My loans were transferred over to Navient back in 2009. Navient has charged a ridiculous amount of interest to my account in excess of thousand of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Reference your complaint number XXXX. In reguards of this reference number, Bank of America ( XXXX ) Account, Bank of America Credit Card Account, Bank of America Home Loan, Bank of America Merchant Account, Regions ( XXXX ) Account, XXXX XXXX Account, XXXX Account, XXXX XXXX Account. This Accounts are in My Name The banks try to compromise my bank accounts along with my credit card accounts. My payments for all my accounts are paid promptly. Documentation for I my accounts have been approved and verified. Documentation provided physical address and contact information for Deposits in my XXXX Accounts. I have all credential and creditation for all my Accounts. I have made payments for all my Accounts, I have a hold on my accounts, try to compromise my account.The payments Deposit a hold was placed on the account. Some payments were reversed.I have proof of payments, and contact verification, physical address.

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 2015-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of Fidelity National Law Group, assignee to XXXX Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Received a notice from Bank of America that my credit application had been approved along with a BofA credit card. I have NEVER applied for any type of relationship with BofA.

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 2016-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX 2016, I applied for a loan modification to modify my 2nd mortgage payments with Bank of America. 

Bank of America never worked on my submitted loan package. The paper work eventually expired and I had to submit another loan package on XXXX XXXX, 2016. 

Bank of America intentionally, delayed the review of my loan modification for over 60 days. I called dozens of time during the waiting period and got a recorded message of a Bank employee moving from this extension to another extension, and that they would be out of town. 

I finally received a phone call from XXXX XXXX. XXXX XXXX advised me my package was over looked and no one had worked on my loan modification package. 

XXXX XXXX informed me I would need to submit another loan modification package, because the paper work had expired. 

Bank of America intentionally used delayed tactics by not reviewing my loan modification package on time, and causing me to fall further behind on my mortgage payments. 

I lost over 60 critical valuable days by Bank of America not reviewing my loan modification package on time. Bank of America deliberately stalls and delays loan modification reviews so a borrowers fall further behind in mortgage payments. 

It took Bank of America 120 days to review my loan modification package because of the lenders delay tactics to avoid modifying my loan. 

Bank of America is also using these tactics with other homeowners who are applying for loan modifications.

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 2017-02-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
After leaving school in 2005 and entering repayment of loans ( both federal and private ) I contacted Navient regarding payment options as the original monthly payment was too high for my current income. Every time since 2005 that I 've contacted them the only option they 've given is forbearance or deferment. They claim that I 'm not eligible for any income based plan to make payments more manageable. Because of this the amount owed has ballooned from {$130000.00} to {$210000.00} with a monthly payment requested of {$1800.00}. My co-signer a couple years ago did set up a payment plan that suddenly they were able to lower the monthly payment to {$480.00} ( after they would not do so for me ). She was told this was for " all loans that Navient currently handled '' which would have included federal, consolidated and private loans. After paying for a year they called to say they would be increasing the payment amount to {$690.00}, a huge jump, which she warned that she could n't afford to pay. Three months after the increase, as she warned, she could no longer make payments. After a year or more of payments from the co-signer the loan amount INCREASED from {$200000.00} to the current {$210000.00}. After I asked them why they said the payment plan was for private loans only. So they had lied and intentionally mislead both myself and the co-signer about " all loans handled by Navient ''. As it stands now my income is {$1600.00} net pay, the monthly payment is {$1800.00} and they are refusing to lower payments or make arrangements. After all honest attempts to begin steady payments on the loan it has reached a point where it is IMPOSSIBLE to repay for either myself or co-signer. Furthermore, we learned from another Navient agent that quote, " the last XXXX applications for loans while in school should have been denied based on our income situation. '' That means XXXX XXXX and then Navient KNOWINGLY approved loans that should have been denied based on income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: CA

Complaint narrative:
I have been dealing with Navient, formally XXXX XXXX, about an issue of miscommunication which landed my student loans in default. I have been repaying them while on a payment agreement but they have been and are still reporting my accounts as past due for obsurd amounts of money. When I call them I am placed on hold for an hour at a time and I never get the help I am asking for. I keep getting passed off to different people who ca n't help me at all. After a couple years of fighting with them about this and getting nowhere, even when I hired an attorney to try to have them remove the false reporting from my credit history, I am reaching out to consumer finance. Since I have been on the payment plan for a few years now I am asking to have someone help me get Navient to reverse the false reporting of past due payments since I am making payments on the all of the loans monthly. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: OH

Complaint narrative:
My initial loan was for {$20000.00} with XXXX XXXX in 2007. As to date I have paid over {$15000.00} back to them and my outstanding loan balance is at {$22000.00}. I have spoke with them about hot to get it paid down and they have sent me statements showing how much goes to loan and how much to interest. there are months that {$0.00} goes to principal and next month only {$20.00} will go. My loan is now through Navient and I have spoke with them many times and I can not get answers as to why so little is to principal and how I have get the loan paid off faster. Based off their plan i will be paying them for the next 20 plus years to pay this off. I have asked about my payment process time and get no answer. I post a payment online and up to 7 days later it will come out of my account and posted to my loan, the entire time this is processing they are compiling interest on it daily. financially it makes since for them to take longer to process but it is screwing me over. Is there anything that can be done or I can do to get away from them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I received an email from Bank of America, stating that they will start applying a monthly maintenance fee on my checking account. This after I have not had to pay a monthly fee for years, in exchange for an agreement to only use their ATM 's for deposits and withdrawals ( i.e. no counter service ). I have sent them a letter of objection and a copy of the email by USPS. The banks website ( and this email ) offer no opportunity to reply via email, only a postal address in XXXX, FL. I will be happy to send you copies of same. Bank greed once again ... apparently still many loopholes in the Consumer Financial Protection Act that they can drive trucks through.

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 2016-10-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
I HAVE HAD A VISA MERRILL + CREDIT CARD FOR MANY YEARS. 
I CALLED AND WROTE THE BANK OF AMERICA AND MERRILL LYNCH THAT THE CARD WAS NOT WORKING.. THEY INFORMED ME THAT THEY HAD CLOSED THE ACCOUNT AND INDICATED THAT IT COULD NOT BE REOPENED. THEY NEVER GAVE ME A REASON FOR THE CANCELLATION. THE CARD EXPIRATION WAS XX/XX/2018. I HAVE OVER XXXX REWARD POINTS WITH THIS CARD WHICH THEY CONFISCATED. I ASKED THAT THEY AT LEAST HONOR THE OVER XXXX REWARD POINTS, WHICH THEY DENIED TO DO. THIS IS UNFAIR AND TOTALLY OUT OF PLACE! I DID NOT HAVE ANY IDEA THAT THEY UNILATERALLY HAD CLOSED THE ACCOUNT WITHOUT EVEN NOTIFYING ME AND APROPIATED MY REWARD POINTS. MERRILL LYNCH SENT ME A LETTER INDICATING " A REVIEW OF YOUR ACCOUNT INDICATES THAT THE ACCOUNT ON XX/XX/2016, BASED ON THE TERMS AND CONDITIONS OF YOUR POINTS PROGRAM, TO PARTICIPATE IN THE PROGRAM YOU MUST MAINTAIN AN OPEN ACCOUNT AND HAVE CHARGING PRIVILEGES ''. WELL, THEN WHY DID THEY CLOSE THE ACCOUNT IN THE FIRST PLACE?

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 2016-10-25 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I do n't wan na to get bankruptcy never late payment i was payment on time but I went to my hometown last three months i have at that time i have a lot of payment. My wife she 's XXXX she needs XXXX more than two months. That 's XXXX come back everything was missed up. I have XXXX bank account but I have negative balance. I am trying to find new job to reduce my negative but I did n't get any job. My account is closed now. I am trying to report my situation but no body help me. Imagine my future baby wife .they can not give me option.

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