vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-24 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: NY

Complaint narrative:
Issue : I 'm about to be sued for a non-existent loan. 
Details : In college, I had all government-sponsored student loans including XXXX. I did not have any private ( non-government-sponsored ) student loans. After completing my studies in XXXX I consolidated with XXXX ( now Navient ) in XXXX, but because I could not make my monthly payments, in XXXX all of my student loan debt was mandatorily consolidated by XXXX XXXX, which has been my servicer of all my student loan debt ever since. 
Despite my XXXX consolidation with XXXX, I have been contacted by Navient, which claims that I owe Navient a XXXX student loan debt of approximately {$4700.00} and say that I am late in making monthly payments to Navient ( which I have never made ). I exchanged several messages, and spoke at length by phone, with a Navient agent, but Navient can not explain what this alleged federal " student loan '' debt is from -- and can not explain why ( if it was actually a legitimate student loan ) it was not included in the XXXX XXXX consolidation that took all of my student loan debt from XXXX and brought it to XXXX XXXX. 
Now, Navient has sent me a letter saying that they have reported my late status to the credit bureaus and is beginning the process of suing me in court to obtain a judgement against me for the alleged student loan debt. So, despite my countless efforts to get an answer from Navient explaining what this alleged debt is from, and ( if hypothetically it was legitimate ), why it was not consolidated along with the rest of my student loan debt with XXXX in XXXX, now I am forced to bring this matter to your attention and to beg your assistance in 1 ) stopping Navient from pursuing me for a debt that appears to be a mistake of some kind, and 2 ) stopping Navient from ruining my status with the credit bureaus, 3 ) stopping Navient from suing me in court. 

I await your help, XXXX XXXX ( ps : Navient has given me an account number : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. I am appalled at Bank of America 's blatant disregard for the importance of my claim. Bank of America had failed to thoroughly investigate my claim. I was told that my claim # XXXX was denied for XXXX reason and that the other XXXX claim numbers # XXXX & # XXXX were denied for the same exact reason in which was just copied and pasted to the other claim results. If thoroughly investigated how can the denial reason be the same when a pin was n't used for claim number XXXX. After conducting my own investigation it was determined that was a gasoline charge ( no pin transaction ) and the other claim ( XXXX ) was done on a totally different day ( A week and a half prior ) and only brought to my attention by the representative that filed my claim on Saturday ( 2 days ago ). 

This is my very first bank account and I am an XXXX XXXX XXXX college XXXX. So I am very aware that it is impossible to conduct a thorough investigation in less than XXXX hours ( non business days ). I have been working with the police department and school security and they have determined that it is impossible to conduct a thorough investigation. I would like surveillance cameras looked over and witnesses questioned. That was my college refund money that was compromised and my bills depend on the money that was in my bank account. The incident occurred at a casino mile s away in North Carolina while I was at class. I have gotten statements from my professors who could attest that it was utterly impossible to be in XXXX places at once. 

For Bank of America to be XXXX the biggest banks in the world. I ca n't believe that my claim would not be thoroughly reviewed. And not only was it not reviewed it was concluded based on a lie. How can you take XXXX claim conclusion and place it all on XXXX claims with XXXX totally different circumstances. Whoever reviewed this case did not represent Bank of America and it 's alleged dedication to its customers appropriately. 

Therefore, I am requesting a thorough investigation as well as a provisional credit until the investigation is concluded. I would also like a detailed report of the investigation. 

Bank of America has refused to honor the letter from school and XXXX PD stating that I am not a suspect and that pin was compromised with my card and other personal information.

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 2017-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been trying to get a mortgage modification through Bank of America making homes affordable program loan # XXXX XXXX XXXX XXXX XXXX, MA XXXX This request has been going on for over 2 years. They have lost documentation, changed associates, change people handling my case several times. There is no clear cut solution at this or any point. Please look at the history of my case and the length of time. I will try this proses one more time.

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 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Mount Olympus Mortgage Company
State: CA

Complaint narrative:
As part of a Federal Housing Administration based re-finance in XXXX XXXX with our lender for my home and investment property, my mother and I would incur five years of mortgage insurance during the beginning of a 30 year fixed loan with a 3.75 % interest rate. To get my mother and me to agree to this re-finance, on XXXX XXXX, XXXX, our lender promised in writing to pay for the last 17 months of those mortgage insurance payments, from XXXX XXXX, XXXX through XXXX XXXX, XXXX if this loan still had mortgage insurance on XXXX XXXX, XXXX. This re-finance was our XXXX with this lender on this same property, and the lender 's promise was the XXXX of its kind. However, this is the first time for the lender to honor one of these promises. 

In XXXX, XXXX, I asked the lender whether they would honor their promise made during the XXXX re-finance. In response, the lender indicated it would not, and refused to agree that it had even made a binding promise. In addition, the lender gave me a document to sign as part of an effort to resolve our dispute, that said that the employee representing the lender during the XXXX re-finance was a " rogue employee ''. My mother and I refused to sign. In fact, we had worked with this same employee on the lender 's behalf throughout all three re-finances of our property. 

Because the lender attempted to have my mother and me sign a statement that stated this employee was a rogue employee, on XXXX XXXX, XXXX, I asked the lender some questions in writing about that employee 's representations on the lender 's behalf during the XXXX re-finance, and requested that the lender answer those questions by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the lender sent me a letter acknowledging receipt of multiple correspondences. However, the lender has still not provided responses to the questions as of the time I filed this complaint. On XXXX XXXX, XXXX, I asked the lender whether it intended to answer the questions sent on XXXX XXXX, but received no response as of the date of filing this complaint. 

Additionally, on XXXX XXXX, XXXX, I asked the lender to provide the signed and notarized re-finance documents for the XXXX, XXXX, and XXXX re-finances of our property. I am concerned that the lender will not provide this information because it has already not answered our first set of questions and not indicated whether it intends to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called Boa customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 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: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XXXX 2013 150 days past due as of XXXX 2013 120 days past due as of XXXX 2013 90 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: IL

Complaint narrative:
I have been unemployed from my job since XXXX XXXX, 2015 and I sent in Documentation to Navient indicating that I was let go from my job because they laid us off. NAVIENT gave me a two month deferment. SO recently I sent them a fax for an unployment request and they denied me. So unfair.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I applied for a lower interest refinance from Bank of America. I was turned down. The only answer I was given on the phone was I made too much money for my area, which is XXXX, Idaho. My interest rate is 8.375 %. My house payment is {$830.00} a month. My credit score was good. I am on Social Security, my only income, and earn {$1700.00} a month. After being turned down, I was not eligible to try somewhere else. I am still paying my mortgage to Bank of America. I do not think that President Obama knows how the big institutions are still ripping off the middle class. Someone needs to go over the loans that were turned down and see if B of A is still ripping off consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am currently in the process of purchasing a home and had my credit pulled. It came to my attention that Bank of America posted an erroneous Mortgage Account XXXX with Late Dates : XXXX, XXXX and states consumer disputes - reinvestigation in progress ; foreclosure ; 180 days or more past due. The account shows a zero balance and zero payment due however reflects late payments? This is direct violation of the FCRA ( fair credit reporting act ) and should be removed from XXXX, XXXX, and XXXX completely as it is completely false reporting. My Bank of America mortgage was closed in XXXX. I would also like a letter faxed to me at XXXX on Bank of America letterhead stating this was posted to the XXXX bureaus by mistake and this account is not late nor is it even an open 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 2017-02-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently applied for a Bank of America travel rewards credit card since they were offering a promotion as per attached snapshot. I got approved and spoke to Bank of America support rep and to my dismay Bank of America web site is extremely misleading and specialized in wasting valuable customer time. I have been banking with BOA for last 20 years and my experience with BOA is getting poor to worst ever. 
A per BOA web site you get XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days. Redeem your points toward travel purchases. As per customer support rep I spoke to this promotion applies only to retail purchases and BOA purposely exclude these disclosures in their web site as per link below. Also BOA did n't mention that travel bonus reward points will be awarded after 90 days of spending {$1000.00} in their web site which is misleading as well. I am planning to travel in XXXX and planning to spend {$1000.00} as soon as I received the card. Since these discolosures are not there in the BOA web site they should credit XXXX online bonus points as soon as I spend {$1000.00}. When I made this request from BOA supervisor she hangs up the phone and XXXX mins I spent on the phone with BOA is a waste of my time. 

Here is a link to BOA travel reward credit card and I have attached a snapshot as well. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am currently XXXX, recently single, and unable to work. I have no income. The company refuses to allow me to defer my loan so I am not in danger of defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient ( when they were XXXX XXXX ) tried to send me to collections while I was attending school full time, and when I graduated, they immediately sent me to collections without mailing me any info about repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This was a medical bill for when I was still a minor under my parents care. This should not be on my credit score since I was too young to even have a job.

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 2017-01-19 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: OH

Complaint narrative:
Recently I was contacted by one of the customer service representative they asked me if I could afford certain amount of money per month I asked them if they had an income-based program and they told me no I currently Am paying any mount that I am struggling to keep up with when I have income-based repayment plans with all my other loan providers XXXX it has been unwilling to work with me in continuously calls me trying to get me to pay the amount that I told him that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 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: CA

Complaint narrative:
I have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. 
I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. 
First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. 
I started with this plan and was paying into this program. 
In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). 
This is an IBR program where you pay for 10 years and then what is left is forgiven. 
They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. 
Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. 
Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. 

Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. 
I feel that I was tricked, misled and lied to about this program. 
When I tried to find XXXX they are out of business because of fraud and scams. 
I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. 
I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband is XXXX. He has XXXX and XXXX. We were granted a mortgage in XXXX with XXXX XXXX Loans. When we went for closing we were told that we would be able to keep our mineral rights and were made to sign them over to them. They then sold our account to CountryWide Home Loans. CountryWide was bought by Bank Of Ameria. 
XXXX of XXXX Bank of Ameria told us our hoas was in Forclosure Status and asked us if we wanted to keep our home. We told them we did and they advised us to fill out a lot of forms from the internet and fax them. Meanwhile the Bank of America representative that was assigned to our case, accepted a different position within their company and we were assigned a new representative. This representative said she never received any of the files that I had faxed and would I re-fax. I then received a call a few weeks later saying they never got the forms. I re-faxed and called to see if they received the forms and was informed that my representative had changed and leave a message for a call back. I left a m essage and the representative returned my call and said that the forms were received but I missed a couple of items on the form. She mailed me the forms to fill out and she highlighted the areas she said that were not filled in. I fixed the error and re-faxed them to her. A week later I received a call form another representative saying that it was too late for my case because I now owed too much on the loan for a modification. A couple of weeks later I received a call from another representative asking if I wanted to keep my house? I said yes. They started the process over from the beginning. They assigned us a new representative who calls and says we can appeal. We go ahead with the appeal process only to be told we were denied because of incomplete paper work. We then receive another phone call a few weeks later asking if we wanted an appeal? We said yes only to be told again that we were denied. This process continued until XXXX of XXXX. XXXX we were contacted again and told to fill out more paper work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I specifically told Bank of America Representative XXXX XXXX on XXXX/XXXX/2016 at XXXX to stop calling our place of employment and I told him they would be turned into the FTC of they called again. Yesterday XXXX/XXXX/2016 another representative from Bank of America called our place of employment for my wife and today a representative named XXXX called for me at our place of employment. They were already warned they would be turned into the FTC if they contacted me at our place of employment. I have XXXX XXXX 's phone number at XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation