vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-10 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: NH

Complaint narrative:
This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. 

I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. 

I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. 

I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). 

This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. 

It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. 

If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. 

XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: FL

Complaint narrative:
I took out $ XXXX in loans with XXXX ( now Navient ) to attend XXXX from XXXX. I could n't pay the full payments when I left school and I used the forbearance options for 2 years. With interest the debt is now $ XXXX even though I 've made payments for the past 8 years. I make XXXX a year and I 'll never be able to pay this off. Right now I 'm on the annually renewed rate reduction program, and they 've lowered my interest to 4.5 % but my payments are {$770.00}. This loan is taking all my money and I desperately need to find a solution. My father also co-singed the loan, but he is now retired and living on social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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: CA

Complaint narrative:
I attended XXXX in XXXX XXXX, CA from XXXX XXXX - XXXX XXXX. Graduated with a XXXX from the school. In a conversation with XXXX and their financial department, they made me aware of the additional amount to be tacked on to my current loan balance. I had attended XXXX before from XXXX - XXXX for a XXXX in the same field of study in XXXX, AZ. 

The first account was a XXXX XXXX loan which me and me father co-signed on. So the amount that was borrowed in total, according to XXXX, was {$51000.00}. With interest, it currently stands at {$63000.00}. However, the problem is this : There was a second account made without my knowledge for roughly the same amount! So even though XXXX has me slated that I borrowed only {$51000.00}, my loan provider ( Navient ) has me with XXXX accounts both totaling {$120000.00}! This second account should have never been created in the first place even though the school assured me that the amount would be added onto the current loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband died two and one-half years ago. The XXXX mortgage on our home is with Bank of America ( although it was originally a Country Wide loan, from a refinance in XX/XX/XXXX ). When we first obtained, in XX/XX/XXXX, our home the loan was in both of our names, but the refinance was obtained in just my husband 's name as he was fully employed at the time. The title was in both of our names as well. 
Since his passing, I have been making all of the mortgage payments, my name is on the deed as the Surviving Spouse, and, I am the Executor of my husband 's estate. 
I can not qualify to assume the loan, as my credit score is low ... ..during my husband 's illness our financial situation worsened and I went into debt with a few credit cards. I am XXXX and my financial situation and business situation has been improving and I am attempting to pay off the credit cards. 
Bank of America has told me that to allow me to assume the loan would be " preditory lending. '' Another comment from Bank of America is that in the past they would have been able to allow me to assume the loan, but they no longer can. 
All the payments I have been making are my checks, signed by me, but the loan account remains under the Estate of my husband, I would like to assume the loan and hopefully be able to then apply for some hardship program after the death of my husband. Maintaining the current payments at 4.9 percent is very difficult for me, and if my interest rate could be adjusted I would be most grateful, but I do not know how to go about it. I would have paid off the credit cards sooner, but I have had serious expenses related tot he house : last year the septic system had to be replaced, this year the well system has to be worked on. I really do want to maintain the integrity of the property, as I have lived here 30 years and have raised my children here and it was both mine and my husband 's hone, but I do not see which way to turn. 
I would be extremely grateful for your help. 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 explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Can the bank charge you the new interest rate on an old charge that was subject to the old rate?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Bank of America credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I applied to NAVIENT for a an lower payment Income Based Repayment plan and have NOT recieved anything as to the status to my request to date. I am a XXXX on fixed benefit income, and really CAN NOT afford to repay this student loan. Am I eligible for loan Forgiveness? Thank you for Any HELP!! 
School attended : XXXX, Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did not give this company permission to run a credit check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I was called by these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
They claimed to be the C.B.E. group and were very convincing. 
I believed they were collecting a debt I obtained from an unpaid student loan because the amount they claimed was very close to what I believed I owed. 
I gave them XXXX $ on my debit card on the XXXX/XXXX/16 which was pending until the XXXX of the same month. They told me if I was n't able to pay by the XXXX that the account would be sent to another collection agency. ( They have called multiple times before but I was unable to pay at an earlier time ) Today, I attempted to call the C.B.E. group that I found online to pay the rest of the owed debt. They told me they could n't find my information or account anywhere. They referred me to the XXXX at XXXX XXXX XXXX XXXX XXXX I called them and asked about my account. They also could n't find anything in their database and even checked their archival dept. which showed nothing with my name. They referred me to another branch which I called at XXXX XXXX XXXX XXXX talked to me the longest and searched for my info and also could not find anything. 
A few hours later, I get a call from the original people who were claiming to be the C.B.E. Group again and they said they wanted the rest of the owed money from the account. I believed them for some reason and paid them the XXXX that they claimed I owed them. They seemed very professional but after I paid they said they do not send receipts of their transactions and just left me with a confirmation number : XXXX. 
I asked where I could find the receipt or look up the confirmation number. The lady said she was n't sure and could not give me a clear answer on how to find the information other than calling back or looking in my bank statement. 

This is what the bank statements say : XXXX/XXXX/2016 POS PURCHASE Non-PIN / TREASURY XXXX XXXX XXXX IA {$300.00} Pending XXXX CBE XXXX XXXX XXXX / XXXX Date/Time : XXXX/XXXX/2016 XXXX {$390.00} I do believe these charges are fraudulent considering I can not get any information about my personal debt from the legitimate companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been trying to do a loan modification with Bank of America since XXXX 2014, I have submitted every document they have ever asked for. I even called the lady who was helping my case numerous times and emailed her and she never got back to me. We are a military family and we had to XXXX ( move ) to XXXX XXXX XXXX, we live XXXX and pay XXXX a month for housing and are house in XXXX was n't rented for some time and I was having health issues so I was unable to work and was going through the XXXX process. We fell behind in payments because we have XXXX kids that needed food and clothes and other items. So recently I got a third party involved in helping us with the house to do a Deed of Lieu, he has been having a hard time trying to get help with this. They told him that I did not send in any documents so I gave him all the paperwork and the letters that bank of America sent saying thanks for the documents we are reviewing them and will let you know the decision once the review is done. As the months went by and I never heard anything from Bank of America after I tried calling numerous times, and there were a few times I was on the phone for over 2 hours being transferred from one department to another and no one could help me. The agent that I have helping out with this now was told that a short sale was not necessary because of our hardship but when I called today they said the account was on hold for a short sale and they wo n't do anything with the Deed of Lieu until the short sale is done. So they are giving out incorrect information and not giving the agent or us any help what so ever. I have copies of every document and letter I have received from bank of America and even online XXXX has documents and letters from bank of America proving I submitted documents to them. With my health problems and my husband who has been in the XXXX for over 20 years has some serious health issues also we need this process to go quickly, we ca n't afford to keep the house and would lijke for Bank of America to at least help us out.

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 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We refinanced our home almost 2 years ago. At the time, I asked the BOA representative how would we be able to remove the PMI from our loan. I was told once the LTV ratio was below 80 %, I would be able to contact BOA and have them remove the PMI from the mortgage. We recently reached the 80 % LTV ratio so I contacted BOA to have them remove the PMI. I received a letter from them stating in order to do that I would either have pay a {$440.00} appraisal fee to have it removed immediately or wait and pay 3 more years of PMI to have it removed without an appraisal. I believe this is unfair because at no point in my conversation with the BOA representative did he mention the loan had to be a certain age or we would have we would have to pay an appraisal fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: CA

Complaint narrative:
My student loan was transferred to XXXX XXXX when the XXXX took it all over. I 've paid it the day after I received the statement. I pay more than the minimum which always makes me several months ahead on my due date ( see attachments ). I have a fixed rate of 3.75 ( see attachments ). I 've never been late, every year I pay down the premium by $ XXXX {$5000.00}. Yet, according to the XXXX form IRS form shows that I paid {$46.00} more in XXXX than I paid in XXXX even though the principal was on average {$4000.00} less that year. I always paid early, never late, more than the minimum, fixed 3.75 % and they took more fees in interest in XXXX than XXXX ( see attached ). I have all my receipts. I 've called at least a dozen times. I 've been left of hold for up to 40 minutes at a time, hung up on, disconnected and churned. The last time I spoke to XXXX XXXX Navient was in XXXX XXXX, the supervisor I spoke to said that she could see why I had paid more in XXXX. She said it had to do with " Algorithms. '' When I pressed her, she said that she would send it up stairs for review and someone would get back to me. Four months later, I 've heard from no one.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CL Holdings LLC
State: GA

Complaint narrative:
I took out a private student loan in the amount of XXXX in 2004 to pay for tuition at XXXX University. The loan was called a XXXX XXXX loan and somehow it was transferred to XXXX XXXX and then XXXX. Then it was forwarded to Jefferson Capital Systems , LLC now it is with a third-party collection agency named XXXX XXXX XXXX. The loan is in default and I would like to make payment arrangements, but the collection agency is saying I owe {$31000.00}. I have asked for a copy of the promissory note and a statement showing the interest applied and they just sent me a billing statement. I would like to see what charges and interest have been applied to the balance before I agree to make any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was in receipt of a notice from Bank of America 's attorney of record that my home was in foreclosure. The notice explained that I could apply for Conditions for Continued Occupancy and included form XXXX ( Request for Occupied Conveyance. I responded to this notice that I received twice. I never received a response from Bank of America to indicate whether or not my request was approved or denied. I am now in receipt of a Sherriff Sale notice dated for XXXX/XXXX/2016.

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 2016-01-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Bank of America on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX has failed to validate a debt that they say I owe them. They have never responded to any of my requests. I have never done business with XXXX XXXX. I have asked to see a contract that requires me to do business with them and they ignore me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX I Contacted a rep on Bank of American regarding a hold on XXXX bank accounts I have with Bank of America. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Bank of America is also charging my overdraft fees on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation