vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My mortgage has been a nightmare since my financial distress due to XXXX XXXX leaving me unemployed, force to file bankruptcy to keep Bank of America from taking my home. It took them two years to approve a modification while I was in bankruptcy. Now my bankruptcy has been discharged Bank of America has not reported any of my Mortgage payments for the last year. I was told to write the credit bureaus and dispute this really. My mortgage is {$1800.00} way over my budget I am paying to qualify for refinance. Now it is time to refinance of course Bank of America says no wow because they do n't see a payment history on my credit for mortgage, I am sick and tired I do n't know what to do. I am literally sick and I am limited with fighting with them again. Please help me I am a XXXX veteran with a VA loan feeling trapped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 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: DC

Complaint narrative:
Hello, I am a XXXX resident who has multiple XXXX and XXXX student loans with Navient ( formerly with XXXX XXXX ). I have been making extra payments on these loans, in hopes of paying them off early so that I can save more for retirement. In order to pay down my balances as quickly as possible, I have been paying off the loans with the highest interest rates first. 

Navient has been misapplying my payments. Each time that I begin making extra payments on XXXX loan, they do apply the extra payment to that loan. But then they advance the due date for the loan that I am paying early, and reapply my regular monthly payment across the remaining loans. They do this in spite of the fact that each time I make an extra payment, I select the option for them NOT to advance my due date. This means that I am paying more interest each month. 

When I asked Navient why they were misapplying my payments, they said it was because my loans are in " groups. '' They said they could ungroup the loans, but given my past dealings with them I am concerned there will be consequences to doing this that they are not disclosing. I do not think Navient should be able to use this " grouping '' practice to end-run around the requirement that they fully apply extra payments early. 

I have attached an example. If you look at this payment history, you can see that as soon as I began making extra payments on this loan, Navient stopped deducting my regular payments on the loan. If you look at the statements for other loans in this group ( most of which are at a lower interest rate ), you would see that they 've spread this regular payment across the remaining loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Signed a home equity loan mod contract on XXXX/XXXX/XXXX with Bank of America and have a signed a congratulations letter dated XXXX XXXX, XXXX for the approval of the modification agreement. I have been paying faithfully according to the terms of the agreement. Last increase was XXXX/XXXX/XXXX XXXX for 455 mos, the rate is {$980.00}, which I pd. Suddenly I rec 'd a XXXX XXXX bill of {$1000.00} after paying {$980.00} & a late pmt on my credit for XX/XX/XXXX. Nobody can tell me why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 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: IL

Complaint narrative:
My complaint is more of a concern with legality of fees and interest charged on my private loan with Navient ( FKA XXXX XXXX ). In short, in XXXX I took out a private loan for {$7000.00} with XXXX XXXX ( now known as Navient ), the loan went into repayment XXXX XXXX to which the balance was then {$12000.00}, since this point and to date I paid {$140.00} per month ( {$8400.00} so far ), my balance as of today is {$9400.00} which makes my payments toward the principle total {$3800.00} - so I paid {$13000.00} plus, and counting, for a {$7000.00} loan ( XXXX + XXXX = XXXX ). The loan matures in XX/XX/XXXX, so at this rate it appears I 'll be paying well over {$20000.00} in interest for a {$7000.00} loan ; how is this any different then the practices of payday loan and title loan lenders? 

Navient charges me a variable rate, which online it says 10.500 % ; I may as well charged {$7000.00} on a credit card then get a loan that I thought would be better then using a credit card and with better rates. 

Also, this {$140.00} amount I pay is more than the minimal payment, so what they do is push my payments back to the corresponding month for 'over payment ' ( i.e. if I pay {$280.00} in XX/XX/XXXX, my next payment wo n't come due until XX/XX/XXXX ) - today I can make payments in months payments are n't due, they just push next payment due back to corresponding month of over-payment, my concern is that their calculation of interest owed is n't in favor of me, the consumer, paying the loan off early. Also, at one point they did n't allow you to make extra payments ; at least online - that 's how I 've made all my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was foreclosed on in 2008. I feel as though I was a victim of fraud, discrimination, scam, and robo signing. The lender in question is Courntrywide Home Loans, now known as Bank of America. I begged and pleaded with this lender to work with me instead of working with parties involved whom were intercepting my information. Till this day I have no knowledge of how all of these terrible things have taken place to displace us of our home. End resulting of the bank working with this ring whom end resulted in purchasing my home from the bank for {$500.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: GA

Complaint narrative:
I took out {$13000.00} in student loans in XX/XX/XXXX. I have added up all of my payments over the life of the loan ( XX/XX/XXXX - XX/XX/XXXX ), and I have paid more than {$24000.00}. The loans were transferred to Navient in XX/XX/XXXX, and now with fees and interest, they are claiming that I still owe over {$42000.00}. Their records only go back to XX/XX/XXXX ; they do not show any records from the time I took out the loans, so the bulk of my payments are not on their records. I have paid off my debt, but Navient keeps charging me fees and interest. I do n't know how to get them to stop.

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 — Having problems with customer service
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I had gone into bankruptcy XX/XX/XXXX. At the time XXXX XXXX was my provider. When my bankruptcy was up XX/XX/XXXX/XX/XX/XXXX, I never heard anything from XXXX XXXX. Finally, XX/XX/XXXX ( or so ) I was starting to receive e-mails about my student loans, requesting me to respond if I wanted them to go into forebearance. I never received any information that Navient was my provider, so I deleted the e-mails. When I did finally respond to the e-mails, they explained they could n't discuss it through e-mail. So, I called, and when I called, I inquired about the teacher forgiveness program. They asked me why I had n't been paying and I explained I had n't been receiving anything. They asked me if I wanted to put my loan into forebearance and I explained yes, because I was n't aware money was due. They said they 'd send me information about the teacher forgiveness and took my address down. After about XXXX weeks of not hearing or receiving anything, I contacted them again. They took my address again and said they 'd mail me. This time, about a week or two later I received the application for teacher forgiveness, which I filled out and sent to my district office to complete ( human resources ). They explained that it was mailed out XX/XX/XXXX. At about this time, I also started to receive e-mails again asking if I wanted a forebearnce on my loan. I went and paid XXXX months that they said I owed for, about {$100.00}. They inquired about why I was late and I explained it was because I had n't received anything. The confirmed my address, and despite having received the forgiveness application, they had deleted the new address from the system and so they updated it again. To date, I still have n't received a bill or anything from them in the mail, nor have I received infrmation about if my teacher forgiveness was approved/denied, or whatever ... ... .I 'm rather irritated as I am trying to fix my credit and I 'm hearing nothing from a company that I have given my new information to multiple times now. I 'm trying to make matters right, to fix my credit, but their shanagins seem to be holding me back from succeeding in getting rid of my bad credit history.

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

Complaint narrative:
I graduated from XXXX in XXXX, Texas in XX/XX/XXXX. Around XX/XX/XXXX I called XXXX XXXX ( my loan carrier ) to find out the total payoff of my student loan. I told it was roughly {$21000.00}. So I paid the full balance. I believed I had paid my entire loan off and had XXXX balance. Eight years later XX/XX/XXXX, I started to receive loan bills from Navient. I contacted Navient to see what this was about and they told me that they had been doing me a favor. For the past 8 years instead of paying off my loan they had been holding my {$21000.00} in a separate account and paying off my loan in monthly payments without notifying me of this activity. Then they send me a letter stating that I only paid {$20000.00} and at the time I was quoted over {$30000.00} that I still owed. They spent {$21000.00} on monthly payment instead of paying off the entire loan and now with interest they tell me I owe an additional {$19000.00}. I never received monthly statements or anything until Navient tells me I owe them ( not XXXX XXXX ) an additional {$19000.00}. This is some kind of Ponzi scheme or extortion. Its also affecting my credit score. I paid off my entire student loan years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient has reported severely late payments on my student loan accounts ranging from 60-180 days past due. During those reported late payment periods, the account was granted a forbearance. No payments are due while loans are in forbeance, therefor no payments should be reported as late. My loan account was consolidated and moved to a different company and is no longer open with Navient. Although this account is no longer open, these late payments are still being reflected on my credit repot, and are preventing me from obtaining a first time home buyer loan. I sent requests directly to Navient asking for the late payments to be removed, and recieved a denial. I then file disputes with all XXXX credit reporting agencies. All of these disputes came back with no changes being made to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
There have been many issues with this 3rd party ; but the below is just for the new/continuing issues : 1. ECSI has another billing discrepancy : ECSI tried to charge me {$10.00} for a " letter ''. This " letter '' was most likely an account payment history ( an audit ) that I requested ECSI-Heartland provide, because ECSI messed up my repayment plan of my private, zero APR student, loan once ECSI took over receivables last year from the previous and defunct company. The mess-up is changing my APR from 0.00 % to 5.00 % and changing the billing period from quarterly to monthly. 
In rectifying the problem, it took a significant amount of my time and hassle to get both ECSI and XXXX University to see and admit the mistakes made and change the billing back to 0 % apr and quarterly billing. I had one more unresolved issue with ECSI ; that they explain or prove that my principal amount was not also messed-up and error free. I requested ECSI to conduct an audit on the account. All representatives told me I could do it myself. I continued to push and finally another rep said he could provide an account payment history. I told him that this would suffice as there 's nothing else they offer todo in wake of all their other previous errors on the account. 
Now today, when I called asking why my paper statement shows a balance of {$150.00} due BUT my online statement shows {$160.00}, the rep told me its because XXXX University can assess charges to the account for incidentals in accordance to the promissory note. ( Never mind that I do not have this promissory note and ESCI also does not have a facsimile. XXXX University also indicated, when I asked months ago over the phone, that they will not provide the promissory note. And moreover, XXXX, the head of student finance, will not return my phone calls or emails. ) Back to ECSI, after the rep refunded me the charge as " a one time curtesy '' I instructed her that I did not ask XXXX University to provide this " letter '' and that I also have no contract or any other agreements with ECSI ; so ECSI can not charge me except according to the promissory note. 
2. ECSI is still showing an incorrect mailing address. I did receive notice of a bill to my current home address of XXXX, XXXX TX XXXX. But ECSI 's online portal shows XXXX XXXX NY XXXX. I have n't been at this address in at least a year. but ECSI still has it and despite all of the back and forth with them last summer. 
3. ECSI 's online portal is terrible : I believe their XXXX app and database are a security vulnerability too from the numerous times one must login for unknown reasons ( not a time out issue ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank Of America, Would you assist me regarding XXXX letter for property - attached This is in regard to a loan with XXXX ( me ) later transferred to XXXX. 
What was Bank of America involvement if any with transaction per letter attached. 
I have been able to obtain document of errors-attached Bank of America may not have been aware of recession by XXXX according to fidelity representative - attached letter. 
Dual tracking appears to have taken 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 explanation
Consumer complaint received 2017-03-03 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: TX

Complaint narrative:
attempted to pay off the highest interest rate and it was never allowed to. i deferred my payments due to being laid off. and the end result was they lowered my payments in deception as to prolong my loans being paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.

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 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site.

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 2017-01-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.

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 2017-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I cosigned for several student loans for my daughter. These were all paid in full last Fall. 
We continue to get harassing calls from Navient at our home phone, for our daughter who does not live with us. I have called 3 times asking for our phone number to be taken out of their system. I was assured, by a supervisor on the third call, that this would occur. I asked for this in writing. They did send me a letter stating that the loans have been paid, but nothing stating that they have suppressed our phone number. These calls come sometimes 2-3 times a day. XXXX mornings. Even on XXXX. Always a robocall.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 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: RI

Complaint narrative:
In XX/XX/XXXX I requested through XXXX XXXX to lower my payment. I was told that the loan term would be extended out and would remain around $ XXXX monthly. In XXXX XXXX I was notified by the new Servicer, Navient, that my payment was increasing from {$69.00} to {$320.00} a month and that it was not going from interest only to principal and interest. I have been disputing this increase since I was first notified in XX/XX/XXXX. I also asked my cosigner be released as I have been paying timely for about 8 years and only 24 monthly payments are necessary to take off a cosigner. I was told because I was on interest only, I could not take my cosigner off the loan because the payments needed to be full principal and interest which again was never disclosed to me. Navient has sent me letters they are researching the matter but have not sent me anything in writing as to their decision. Finally last month I was advised that they listened to a call from XX/XX/XXXX and it was not clear I was explained the terms properly. On Thursday after being on the phone for an hour an a half they realized I should never have been on interest only but said they can not go back in time and only forward. They will not disclose their findings in writing. They offered to extend the terms of my loan only lowering my payment to {$200.00} a month. If i wanted a rate reduction my cosigner would need to call. He called and I was told they can not reduce me at this time because my expenses are too high. I am once again on a forbearance but interest is continuing to accrue. I was originally told in XX/XX/XXXX my payment would be {$69.00} a month because the terms were being extended out and once again the same thing in XX/XX/XXXX. I can not afford {$320.00} a month or {$200.00} a month and these errors by XXXX XXXX and Navient need to be resolved and my debt reduced.

Company response to consumer: Closed with explanation