vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I submitted previously and made a mistake. The school I meant to make reference to was not XXXX, but XXXX Revised below, and my apologies : I am writing because I was just notified of my award in the class action lawsuit against XXXX and I want to express my sincere thanks to your organization. I also want to engage with you regarding the second and third signature loans through XXXX, they were to Navient and XXXX and I am being charged XXXX % interest at Navient and XXXX % at XXXX, whereas XXXX was at XXXX %. 

XXXX ( XXXX ) did all the, " leg work '' to keep us in classes and they struck terms with outside lenders, providing us with information that led me to participate in the additional student loans outside of the XXXX DL Consolidated - Subsidized and XXXX DL Consolidated - Unsubsidized loan programs ( which are also through Navient ). I have asked for a lower interest rate for years through Navient for the signature loan. In addition to XXXX, I have been drowning in tuition payments while XXXX of my larger loans remain in forbearance -yet accruing interest- so that I can take care of these private loans at XXXX and almost XXXX times the interest rates. I feel that XXXX also deceived its students into taking out loans that cost more than we were led to believe. I know your office states that you will continue to be vigilant in rooting out illegal practices that student borrowers experience in the for-profit space, and so am sure that you would want this information as well. As stated previously, the -XXXX- Navient student loan I have is almost XXXX % interest, this is almost twice what XXXX was charging me, and I am requesting that the loan number below with Navient be reviewed. The original amount of the loan has been repaid in spades. Original loan amount - {$8000.00}, I have repaid almost {$11000.00} on this loan already and still owe over {$17000.00} more..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: WA

Complaint narrative:
Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are reaching out to you for your help in protecting us ( consumers ) against wrongful accusations from bank ( mortgage loan ) establishments. Attached are documents and letters that will help support our case of wrongful and fraudulent activity committed against us. We originally obtained a mortgage loan from Countrywide Home Loans with a 1st and 2nd loan in 2006. Later on we found out this mortgage was a fraudulent loan to begin with. They used inaccurate income, asset and liability. They also incorrectly reported our principal balance over $ 40XXXXXXXX than the original loan.

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 2015-11-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
Hello - I have XXXX private student loans through Navient, which were originally XXXX XXXX loans. I have had these loans prior to XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX through XX/XX/XXXX I was enrolled more than half time in a law school program and from XX/XX/XXXX-XX/XX/XXXX I was enrolled in an LLM program more than half time which I am still enrolled in to this day. I received a bill from Navient last month stating that my in school deferment had ended on my loan, as the in school deferment option had ended on my loan and that the loan documents stated that there was only a 2 year period of in school deferment. This is odd, because I obviously have exceeded the 2 year in school deferment from XX/XX/XXXX-XX/XX/XXXX. When I called to discuss this option I was informed of this and was treated rudely, even when I asked why this provision was being enforced now? I asked to see my loan documents to see if this provision was included in the loan documents and was told that this provision existed and that my loans were audited and that it was revealed that my two year period had expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 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 deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to " connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because bank of america keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Bank of America to see if I can have these fees removed and they say " These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
This is a follow up to case # XXXX. Due to a serious medical hardship we have fallen behind on our mortgage, exhausted most of our saving and our credit rating is severely damaged. We have been able to secure a reverse mortgage to save our home however the loan does not cover the balance due. We are able to bring approximately {$10000.00} in cash to closing so that the reverse mortgage and cash covers the principle balance, even this is difficult for us. We have asked Bank of America to write down the accrued interest and penalties so that we can save our home. They say that this will not fit within their investor guidelines and their only options are a short sale, deed in lieu or loan modification. In the XXXX XXXX cases we would lose our home and in the XXXX case there is no guarantee that we would qualify or be able to afford the payments. We have a short time to take advantage of the reverse mortgage and pursuit of a modification risks losing this opportunity. BofA says they want to help people stay in their homes but they are unwilling to help us. It seems that since we have equity in our home they would rather take it away from us through foreclosure, short sale or deed in lieu. We do n't know if there are government programs that assist older people like us who do n't have time to recover income, savings and credit ratings or go out and get a new job. The reverse mortgage is our only hope. We feel like we are being discriminated against because none of the solutions offered help older people like us who have equity in their home but fell behind due to a temporary hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
My husband tried three times thru phone conversation with XXXX customer service to see if we can paid a debt with them of {$820.00} in three parts because we did not have the total amount at that moment. XXXX response was that they do not do that and that we had to pay the full amount or it will go to a collection agengy. So those {$820.00} went to a collection Agency named SouthwestCredit. 
SouthWest Credit accepted {$410.00} to resolve the account with XXXX XXXX XXXX which we paid using a credit card. All this happened in XX/XX/XXXX/XX/XX/XXXX. Today XX/XX/XXXX we received a Letter from another collection Agency Named XXXX, collecting {$410.00} from XXXX XXXX I contacted Southwest Credit and they said they sent the information to XXXX I contacted XXXX and they said that a remainig balance of {$410.00} is due with them and that they do not have any agreenment with the collection agencys so even though they received {$410.00} from SouthwestCredit on XX/XX/XXXX the remaining balance still due with them that is why it went to another Collection Agency named XXXX. I have a letter from SouthwestCredit which says they accepted the {$410.00} to resolve the XXXX account of {$820.00}. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: MN

Complaint narrative:
My loan was originally a Federal Student Loan, has been consolidated under Navient. I have asked Navient that, if I pay extra that what is due, can it be applied directly to principle. The response I have been given is no. If I pay extra, they will recalculate my payment and it will become the new amount due. I do not want this to happen, because, while I can pay extra now, if I needed to take a month off from that and just pay the original amount, I would be penalized. I again asked if I could send in an extra payment during the month with the instruction for it to be applied directly to principle, and Navient responded that this is not possible, and they would pay interest ( aka themselves ) first, therefore reducing the amount of principle that is reduced. I did some research and it appears that I should be able to make this request to Navient, as other loan companies will accept this type of direction from the borrower. Navient refuses to consider this without changing my payment amount permanently. Unfortunately I am stuck with Navient and have had multiple complaints about their service and the way they process payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have sent multiple letters to experian to remove inaccurate addressed and accounts from my credit report and each time they refuse and make it extremely difficult to speak to anyone or address the matter. they stated i had more then one credit report which made no sense and that some of my information was split. after they merged reports i noticed information both personal and accounts that were not mine and they refuse to remove the false accounts let alone match my information to these accounts to make sure they are 100 % accurate. iv stated to them if its not 100 % they can not report it and have spoken to and written to them to remove such accounts as it violates the FCRA. they even want as far to put my name wrong on my report even after sending them my license, social card and birth certificate.

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 non-monetary relief
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America/ We began calling in XXXX of XXXX. We faxed all papers requested. We followed all and in XXXX of XXXX, we were told we can walk into any branch to file our paperwork. Mind you our mortgage is always paid on time. It is the equity line of credit that they began asking a few dollars short of our mortgage payments that we need lowered. To date we have paid interest monthly, however they feel tripling the amounts we should be able to pay. The facts are I only recieve social security, do not file federal taxes do to my age, and need the equity payments re-evaluated. The bank has asked for same forms over and over, we faxed mailed and can not pay a double mortgage. we explained this only to be refured to a counselor whom informed us that the making homes affordable is no longer. Than today i called the hot line only to be told it is. At this time i need some one to investigate the bank, and the referals they are giving. The bank for not working within the time allowed and the refferal agency for miss leading people. We do not want to loose our home. we only want a lower payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Netspend Corporation
State: CA

Complaint narrative:
I have prepaid visa card Netspend account. I 've had this account over a year with no issues. I get my paycheck direct deposited to it.within 2 hours of the last direct deposit there was a {$300.00} physical atm withdrawal taken from my account in a location very far from me. and another transaction in the same amount in what appears to be XXXX. I filed a dispute claim right away and was told their investigation would take 10 days. it has now been ten days. I contacted them and was told I would get an update in 3 days. they still have not credited my account and I am acquiring late fees and facing shut off notices. this was XXXX of my paycheck and I am at a loss with no money to survive on and no information that this is getting resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I charged the wrong item on a sears website by mistake and I called bank American the next day and told them. XXXX had no way to cancel the charge and they did not respond by email until 4 days later. XXXX told me that the charge would be refunded and they sent XXXX out to pick the item up but for some reason bank America will not remove the charge of {$41.00} from my account. I called Friday XXXX XXXX and a lady answered the phone and left me on hold for XXXX MIN. But as of today bank America refuse to remove the charge. I have called bank America many time about this issue.. XXXX were able to get the Money in a New York second but now four weeks later no one has refunded my money.

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 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We refinanced our home with Bank of America. Last week we received an escrow refund check of $ XXXX+ and I went to deposit it at the ATM. The ATM did not process the check and would not return it. I contacted the bank when it opened and filed a claim. They said they would give me a temporary credit and would make that permanent once they had investigated the issue, and that it " would n't take long ''. A week later I called to find out when the temporary credit would be made permanent. I was told that it would take up to 45 days to resolve and that I had access to the funds already. We do n't actually have access to the funds because if there is no error report with the ATM ( read : it ejected the check to another banker ), then they will take the credit back. They will not do anything to expedite real access to the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-14 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A friend made a deposit to my Bank of America account through his XXXX bank mobile app for the amount of XXXX dollars on XXXX XXXX. The money was supposed to be on my account in less than 6 business days. We contacted both banks and they could not track the money because it already had left their system. After a week of phone calls we both went to XXXX bank and Bank of America to speak to the managers. The Branch manager at XXXX said the money had already left their system and that his " theory '' is that Bank of America accidentally put the money on a different account. The relationships manager at Bank of America said that the money never reach my account and they can not track it. I got a confirmation message on the day the transfer was made to me and my friend got a confirmation email as well. We emailed XXXX managers saying that if the money did not appear on either of our accounts by XXXX XXXX, 2016, we were going to file a complaint but neither of the managers reply or try to contact us to solve the problem. We then call the managers at XXXX banks and they basically said that they do n't know where the money is and they do n't think is their responsibility to solve the problem and pay my account or refund my friend 's 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 2016-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Hi, I have a home loan with Bank of America and my mortgage was about XXXX monthly. 
For some reason my taxes went up where I was included to a different percentage rate once I was classified as investor and not owner living in the property. 
So I got in touch with the county and they fixed and I sent to the bank all paper work, but when I called the bank they did not corrected my mortgage payment once my escrow was showing I own the bank almost {$2500.00} and my mortgage jumped to $ XXXX monthly. I told them I could not afford to pay that amount and it was adjusted to {$1500.00} which for my budget still high. 
I know the county still have to send me or to the bank a refund but I have no idea how long that will take. 
I guess the fight should be done between bank of America and the county, I do n't see a reason to pay for someone 's mistake.

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 2016-05-24 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: OH

Complaint narrative:
Navient failed to process my payment timely in XXXX XXXX and again in XXXX XXXX. I consistently pay almost double my payment due and request the overage be applied to the principal. When I cancelled the check XXXX XXXX, XXXX after the payment I sent on XXXX XXXX, XXXX had still not been processed, Navient magically found my check and sent me a letter indicating I did not send the payment to the proper address. The address Navient gave me in the notification letter was the same address I sent my payment to every month including the XXXX XXXX payment. When this same circumstance occurred again in XXXX XXXX, I called Navient customer service and XXXX verified for me there was nothing she could do and no one she or I could contact to address my payment concern. I would just have to pay another {$50.00} to my financial institution to stop yet another payment they failed to process timely and would not acknowledge they even received. XXXX kept assuring me she felt sorry for me but could or would not provide any recourse to solve the issue. She tried to verbally run me around the bush so she would not have to admit I would end up having to pay more interest. It is basic mathematics. Navient is playing games so I have to pay them more money in the long run while they add extra interest for the next payment from principal that would have been paid if the payment was processed timely. It may not seem like much when they do this every so often ; but, when your outstanding loans are significant, this extra adds up. I have followed every protocol and procedure allowed by Navient to be financially responsible and I am being persecuted and punished because Navient is greedy. I made my payments every month even though I did not receive a statement with a payment coupon for XXXX XXXX and XXXX XXXX. I believe Navient was hoping I would not notice and miss my payment incurring late fees and/or extra interest on amounts that would accrue on a higher principal. Navient does not provide a mechanism to pay online and allocate the overage to go to the principal of the loan ( s ) which would provide instant verification the payment was received. The only mechanism currently in place to allocate overage payments to the principal is through paper check with an accompanying letter to signify the borrower 's wishes for the allocation of the overage towards the loan. Navient has consistently disregarded my wishes NOT to advance my payment due date ; also hoping I would not keep paying consistently and reduce the principal on which interest would be figured. Navient consistently engages in immoral and unethical business practices which could be construed as predatory practices meant to harm the consumer.

Company response to consumer: Closed with explanation