vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2012, my husband was getting ready to retire. We submitted papers to XXXX Bank America, to proceed with a refinance to lower our interest rate. Rates were coming down and this was an opportunity for us. We proceeded with home appraisal etc. The bank lost our paperwork and delayed our application. In XX/XX/XXXX when I finally pressed, I learned that we came in with a good appraisal and could go ahead, they were sorry they lost the paperwork. When they put things back in place, they were sorry, we could not qualify because my husband was retiring and our planned income would be that much less. Had they processed properly in XX/XX/XXXX - we would have cleared that hurdle. It has been XXXX years since and we continue to pay a larger interest XXXX when we could have qualified for a XXXX (at that time). (Also at that time, there was a glitch with XXXX having incorrect data, which we did follow up on and straightened out). That would have saved us more than $XXXX. month. We have tried to refinance at a lower interest rate XXXX times since and Bank AmericaXXXX and now XXXX Bank have denied us. We cannot qualify to pay less, yet we continue to pay our mortgage, our taxes and have an excellent credit rating maintained over more than XXXX years at XXXX. How is it that we cannot qualify TO PAY LESS?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I have student loans from 1994 from NAVIENT. I have made good faith efforts to repay, but have been unable to do so. I currently have XXXX kids in college and XXXX in high school. I am unable to pay. I sent a letter via certified mail requesting them to cease contact. I received the certified mail card back. They still continuously call me every single day, sometimes more than once a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am the co-signer for XXXX student loans for my daughter that was taken out in 2007. She has had extenuating circumstances in her life that resulted in not being able to pay the loan and it defaulted. Now that she is getting back on her feet she is trying to fix her credit. She called Navient to work out a payment plan. They gave her a payment plan they she has been on since XXXX. The loans are being reported as a charge off. As a result, that 's the way it 's reported on my credit report and I can not get a mortgage loan until the loan is paid off. The understand that I am just as responsible for the loan because I am a co-signer but I do n't think it 's fair that the credit report says charge off when she is actively making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Our vehicle was totaled in XX/XX/2016. We have been waiting on the insurance to pay. The insurance payment was made XX/XX/XXXX in the amount of {$22000.00}. We had Gap insurance, which was to cover the remaining portion. The gap insurance payment was on the way. I called Chase a spoke with a representative on XX/XX/XXXX. I also sent the gap breakdown. The representative told me I would still owe {$140.00} after the gap insurance. I paid this on the phone that same day ( XX/XX/XXXX ). On XX/XX/XXXX I noticed the account still had a balance. I sent an email ( which they never responded to ) asking if there was an issue and to confirm receipt of the gap insurance money. On XX/XX/XXXX Chase reported a delinquent account to my credit report. I called Chase on XX/XX/XXXX and a representative confirmed that they received a payment of {$1500.00} from the gap insurance on XX/XX/XXXX. He said it would take 2-5 business days to process. I called back on XX/XX/XXXX twice and spoke with two different representatives ( ID # XXXX & ID # XXXX ). I asked them why it only showed a payment of {$930.00} was made when I confirmed that they received a check from the gap insurance for {$1500.00}. I asked them where the other {$590.00} was at. Neither could explain and said they would look into the issue and call back. I never received a call back. My Chase account shows a balanced owed of {$410.00}. However, there is {$590.00} of the insurance money that is unaccounted for and no one from Chase will explain or call me back. I sent another email today and still have not received a response from them. Not one Chase representative that I have talked with has been able to assist me with getting this account paid off, but yet they reported my account as delinquent to the credit reporting agency. From what I can see, they owe me money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
For several years, I have been misled to believe that I was on an income-based repayment plan ( IBR ) with Navient to find out they have used up the deferment and forbearance that should be available to me when if I ever needed it. I have loans with XXXX and have asked them also to take into account the payment I need to make because of what I was paying for my other loans. This has been repeatedly denied to me. I should have been on an IBR plan since 2009, the year after I left college. It is increasingly difficult to keep up with XXXX student loan services who continue to report erroneous information. I believe their tactic in using deferment and forbearance has been malicious in setting me back from paying my student loans, only find that the interest is higher because they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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: NY

Complaint narrative:
My loan has been put into forbearance under the behest of Navient. Multiple times Navient has denied me the ability to pay the loan according to my financial situations. Rather, Navient, has forced me into expensive forbearance programs which have run into arrears. I was put into default and have had to pay a 14 % fee to return the loan back into good-standing in order to just to apply for IBR. Why was this not available to me beforehand? Why has Navient been unable to counsel me into a better program. I was directed into a debt services company for Navient ( XXXX ). A 14 % fee has now increased the loan by $ XXXX which has now allowed me to enter into IBR only after this fee has been assessed. This is not right and is unethical.

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: IL

Complaint narrative:
Suspected Fruad ; unlawful interest & charges

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: PA

Complaint narrative:
Navient is my student loan service provider. In XX/XX/XXXX, I was told by a Navient representative that I could apply for an income-drive repayment plan to lessen my repayment amount and I was informed of the paperwork needed. I was told that I would get a 30-day grace period and was specifically told the 1st payment would not be due until XX/XX/XXXX. I was not given a specific deadline for my paperwork to be submitted. I was also given a monthly repayment amount. 

I submitted the paperwork 2 weeks later, around XXXX. In XXXX XXXX, I received an e-mail confirming I was approved for my income-driven repayment plan ( which was suggested and selected FOR me ), that my monthly payment was approx. {$100.00} more than the amount provided to me in XXXX, and that payment was due within the next 24 hours. I called Navient immediately, and explained what the representative told me in XXXX ; that I would not have to begin repayment until XX/XX/XXXX and that my amount should be less than what was stated in the e-mail I recently received. I was told the previous representative gave me wrong information and there was nothing they could do about it. The previous representative FAILED to tell me that there was a deadline to submit my paperwork in XXXX, because one of my loans was close to repayment around the time I called Navient in XXXX and if my paperwork was submitted after the that loan entered repayment, I would no longer qualify for the 30-day grace period. Additionally, the previous representative FAILED to tell me that she was not including one of my more recent loans in her repayment calculation and that is why my repayment amount was {$100.00} more. I was led to believe the plan I selected would have a less expensive repayment amount, when it actually did n't. Now I am stuck struggling to pay my loan payments each month ( late ) because their representatives intentionally misled and misinformed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
My Home Equity Line Payment increased by 3x XX/XX/2016. It is currently past due because I am not able to handle that kind of payment shock. I am almost certain that early in the life of the loan, I took advantage of an offer to convert to a fixed rate for the life of the loan to avoid this issue but I can not find proof of that at this point. I would like to work something out with Chase but they have made it impossible to communicate with them either online ( account access is blocked ) or by phone ( see below ). 
I have attempted to reach out to Chase by phone but they are unwilling to speak to me because they seem to not be able to verify/authenticate who I am because I am unable to answer XXXX random public records questions to their satisfaction. Further, they have NEVER attempted to call me to speak about the matter. I noticed on my limited profile I could access on their website that they have an outdated home phone number and email address for me. I have tried updating that information but am unable to do so because again, they can not authenticate who I am by these random questions. So, this is a vicious circle and I am getting a complete lack of help from Chase to resolve the matter.

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

Complaint narrative:
I 'm currently in bankruptcy and do n't understand why my balance still show XXXX owed.. I 've been paying since XX/XX/XXXX.. I do n't know if its because of how much I 'm paying or is it the interest.. I graduated in XX/XX/XXXX and the school that I graduated from is no longer here.. I do n't know if the charges are accurate..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: ID

Complaint narrative:
This Jefferson Capital keep automated calling my work and my house phone that I owe money. I asked to stop calling my work. However, they still calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have a common maiden name. I got married in 2008 and am now under a different name. For the last several years my mother has been getting phone calls from Navient trying to collect a debt of someone with the same maiden name as I had. She has told them repeatedly that it 's not me who owes the debt. I have called to speak with them and they told me that my social security number and birthdate do not match the person that owes the debt. But somehow my parents ' names and their phone number and my current address are linked to this other person. They told me that they could clearly see that the debt is not mine since it is not my SS # and birthdate. I asked if they could stop calling my parents ( at times the calls have been borderline harrassing ). Navient said they would put a note attached to their # saying to not call it anymore. I had this same conversation a year ago and the calls started up again. They recommended I call the credit bureau to make sure that my credit scores have not been affected or that this other person is using some of my information. As far as I know, I still have a good credit score. I have to still call the credit bureau. I 'm not sure how to make theses calls stop or how to get my parents ' # and names and my current address unlinked from her.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank will not credit funds back into my account due to transactions being chip and pin purchases at XXXX and XXXX. I informed them as soon as i noticed my account was over drawn by {$1200.00} and they stated they assumed it was me. I informed them i use my account mainly to pay bills and i dont spend money i dont have.I 've been a loyal client for over 2 years and Chase bank should know how i spend my money.In my opinion and research done on this new card with a chip in it, Chase bank did not conduct a thorough investigation.All Chase has done was tell me to contact the merchents and take my hard earn money through my direct diposite XXXX.. and im still overdrafted.All they keep asking me is when will i clear it up and get my account back to positive. I honestly feel like Chase has turned they back on me and my wife and child.Im now behind on bills that should have been taking care of if it wasnt for this fraud on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Hello, my name is XXXX XXXX. I took out a loan in XXXX of XXXX from XXXX XXXX. In XXXX I started paying it back so I can get out of it being defaulted but stopped paying about 6 months into my payments. Last years tax return ( XXXX ) I filed my taxes and was supposed to get it back but when I never received it I called their offices and was told it was used to payback my student loan ... The debt collectors had garnished my wages since XXXX of XXXX and then they took my tax return and I finished paying off the rest of that loan of XXXX something. Well I 'm sure they 're allowed to garnish my wages but take my tax return? Any help would be appreciated.

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

Complaint narrative:
, NAVIENT, refuse to remove damaging CREDIT REPORTING information despite receiving BANKRUPTCY documentation that the debt has been Discharged/Set-off/Charged off. NEGATIVELY impacting credit report and violation of FDCPA, FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My grand-daughter took out student loans. I agreed to co-sign for XXXX loan. She has not made payments on any of her loans. Navient has screwed up my credit for over 5 years by reporting to the credit bureaus negative non payment information for XXXX loans my grand-daughter took out of which XXXX I did not personally co-sign for. I have disputed this with the credit bureaus to no avail. I also disputed this with Navient. They sent documents to their Attorney for collection which actually prove I did not sign for XXXX of these loans. Navient is fraudulently trying to collect on XXXX loans I never co-signed for. They even typed my name on XXXX of the XXXX in which I never signed or knew about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A court order of citation to discover assets was issued on my accounts at Bank of America. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that bank of America return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Bank of America and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to bank of America but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.

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 2017-03-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America , National Association Successor by Merger to BAC Home Loans Servicing FKA Countrywide Home Loans Servicing, LP ( " Bank of America '' ) has never prepared for the last XXXX years in recordable form an assignment of the mortgage from Bank of America to XXXX trade name XXXX ( " XXXX '' ) in the XXXX, State of Hawai'i, yet has, and continues to convey in all of Bank of America 's letters, court documents, notices, motions, and correspondents for countless years that Bank of America is the debt collector, the servicer, the investor, the creditor, the mortgagee, the lender, the note holder simultaneously for many, many years, but has never prepared in recordable form an assignment of mortgage from Bank of America to XXXX in the XXXX, State of Hawai'i for XXXX years. 
Go to Attachment. 
It is obviously to late now for Bank of America to address, cure, and remedy this XXXX that 's spread for the last XXXX years! 
There is also years, and years of tangible facts, and substantial evidence these countless fraudulent, and sick deceptive practices continues to plague the land records of every Municipality/County, State, and the United States of America.

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 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
This is not mine was opened in my name not by me and this should be taken off my credit thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24 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: AZ

Complaint narrative:
A student loan was taken out via XXXX is XX/XX/2009. Payments were continually made on this account and we eventually stopped receiving any and all information on this account. A year or so later we began receiving constant and nearly threatening phone calls from a company called NAVIENT, which neither myself nor my cosigner had ever heard of. They were telling me ( including XXXX years of repayment ) that {$4.00} XXXX more than what was initally taken out in loan was due back to them. They would not give ANY information on the loan or how it got this way, just stated it had a XXXX interest rate now ( initially 5 % ). I began paying {$310.00} a month for the last XXXX years, which I can barely afford and now my account is still {$3000.00} more than initial loan amount. Whenever I call for information, they transfer to non answering line which disconnects or hang up on you right away. They offer NO repayment options. Right now it shows me estimated to pay another {$23.00} XXXX til payoff, on top of the $ XXXX that has already been paid on an original {$13.00} XXXX loan. WHAT KIND OF SCAM IS THIS COMPANY AND HOW DO I GET HELP????

Company response to consumer: Closed with explanation