vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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: MI

Complaint narrative:
I have done everything possible besides file a lawsuit- My case with Navient screams of class-Action- I have meticulous records of every phone call ( recorded ) every letter, every dispute filed with XXXX, XXXX and XXXX- My insurances have increased over $ XXXX monthly directly due to Navients willfully neglected investigating and reporting. In 30 years the only negative information on my credit reports is the inaccurate information Navient continues to report. 
Summary : from XX/XX/XXXX-XX/XX/XXXX I co-signed student loans for my daughter XXXX XXXX, after she restructured her loans under one payment to be split between all her loans ( i believe XXXX of them ) Navient misappropriated the payments and never applied a portion to XXXX loan account, as a result that account went into charge off, After years of complaints I finally filed a complaints with the CFPB. First on XX/XX/XXXX Case # XXXX and again on XX/XX/XXXX case # XXXX. However, I just applied for an auto loan and was denied due to " recent serious delinquencies '' I pulled my XXXX and XXXX credit reports to see Navient again inaccurately reporting me 150 late XX/XX/XXXX. ( see attachment ) Insanely, this is after Navient claims to have investigated and ADMITTED their errors and promised to correct my credit reports. Numerous times Navient claimed to correct my credit reports, each time I fount the corrections incomplete. I have given Navient more than a reasonable time and many many more opportunities to correct their admitted mistakes. I am not a wealthy person, I immigrated to the United states XX/XX/XXXX from XXXX. My father was a XXXX politician and very wealthy, I left all that wealth to come to the USA with nothing but a promise for labor work as my father cut me out of his will for leaving. I have been working as a XXXX since. I have contacted an attorney XXXX XXXX of XXXX law group. He is willing to take my case but currently in the middle of several other class-actions and informed me his schedule wouldnt allow him to take my case until XX/XX/XXXX. I hear he is the best there is. I have not yet retained him and truthfully i was preferring to avoid litigation. However, Navient seems to have left me no other choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have home equity loan with Bank of America. The loan was a 10 year term loan that expired in XXXX, XXXX. Since XXXX, XXXX, I have been discussing with the bank to redo the loan, so in XXXX, XXXX the representative at Bank of America told me the quickest way would be to modify the loan. By there estimates it would take no more than 60 days. Dating back to XXXX, XXXX to XXXX, XXXX, they just recently sent my application to their underwriters. Hence they have reported the loans to the credit agencies as past due, while I have been told to continue to pay the loan and it would not effect my FICO score. This is not the case my FICO score has recently dropped XXXX points from XXXX to XXXX. I have been mislead throughout this whole process and now it has become a serious issue impacting my credit score.

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 2016-10-01 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: VA

Complaint narrative:
Sallie Mae or their XXXX company is lying on my consumer reports that my accounts were delinquent when in facet they were paid by the US gov. On time during deferrment & forbearance. I 'm on XXXX & I have proof that they were to clear me of all loans & was paid by the XXXX XXXX XXXX XXXX to do so. their delinquencys on XXXX accounts are affecting my credit & I want them removed & reported postive by law. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: CA

Complaint narrative:
I paid off {$10000.00} toward my student loan 7 years ago and initial company, XXXX did not apply the funds to my loan. When the initial loan company, XXXX sold the loan to Navient, they had an incorrect loan amount. I have been in negotiations for over a year in between Navient and the previous company to get payment history to provide the {$10000.00} payment but since i closed my bank account more than 7 years ago, my bank does not have any documents left to provide me. While in negotiations, Navient advised me not to make any payments till we find out exactly what has taken place. Now, after a year later, they are telling me the initial company who they purchased the debt from is not providing paperwork. When I contacted XXXX, they do not want to release any of my information to me and i was told it was an internal mistake and that they will not provide any documents. XXXX said they can only provide the documents to Navient. Navient is telling me they do not have any direct way to get the documents to help us. While Navient is telling me not to make payments while in negotiations, they are reporting numerous late payments against my credit and completely ruining my ability to get any type of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TN

Complaint narrative:
Car was repossessed in 2009. The account went to a collection company which I paid. Now currently, Jefferson Capitol has recently added the debt to my XXXX and XXXX credit files. I have never heard of or received anything from this company. I paid a different company back in 2009. This company just re-aged a paid account from another debt company and reported it on my credit which I know has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: TN

Complaint narrative:
XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Bank Of America. I have contacted Bank of America numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Bank of America nor do I have or have ever had any type of XXXX account. I was told by Bank of America to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Bank of America then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Bank of America since they are the ones who has my social mistyped as a tax ID. Upon contacting Bank of America again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Bank of America yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Bank of America yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Bank of America and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.

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 2017-01-18 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: OH

Complaint narrative:
On XXXX/XXXX/05 we took a Tuition Answer Private Student Loan thru XXXX XXXX which has since been sold / serviced by Navient. We have just discovered that my daughter, the STUDENT, is listed on this loan as a co-signer along with my wife. I have asked Navient to remove my daughter as she should have never been there in the first place because she was the student. My credit has had some damage in the last few years due to caring for ill, dying parents ( which I informed Navient with my release request ) and they have denied releasing her. I have asked for copies of the original paperwork showing my daughter, the student, put on this loan as a co-signer and I have had no response from Navient as of today. I think that a paperwork error was made at the onset. Only recently, when my daughter tried to refinance her own student loans did we discover this problem. The people at Navient do not know what they are doing, and not willing to help. they read from a script and are unwilling to take an extra step. I have been dealing with them for years on deferrments, forbearances, postponements, etc. and have had nothing but misery trying to deal with these people. I just want my daughter 's name removed as a co-signer. My wife will remain as a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I recently pulled my credit report and had XXXX acct listed as being in collections, I wanted to gather information about the debt so I contacted the collections agency listed on my CR. The company Jefferson Capital XXXX informed me that I needed to speak with their collections division XXXX. Upon speaking with the Rep assigned to my case she informed me that since I requested debt validation when they called me XXXX that my acct was in dispute and could discuss my acct unless I sent a email saying I no longer dispute, I complied with the request in an effort to gather further information. The Rep told me she would call me back once the dispute code was removed by another dept, before the call ended I asked her why they never provided debt validation to me she said it was due to them not being able to verify my address. I told her that seemed odd seeing that they had my phone number and their client had pulled my CR several times in the months before my request, she was unable to provide valid reasoning and the call ended. This conversation took place on XXXX/XXXX/XXXX at XXXX XXXX she never called me back so I called her and was informed the required actions had not taken place and she would call back once it did, again I complied but at XXXX est I called back and spoke with a different rep named XXXX who informed me that the previous rep neglected to inform me that they did request debt validation from Jefferson Capital Systems and within 2 days of my request XX/XX/XXXX, Jefferson Capital Systems advised XXXX XXXX to cease collections activities immediately as they could not validate the debt. It has been 5 months since my request yet Jefferson Capital Systems continues to knowing reporting negative information on my CR causing me to be denied credit. I emailed both companies shortly after ending my call with XXXX at XXXX XXXX and outlined the law as stated in the Fair credit reporting act and ask them to stop their activity instead of doing the right thing they had a rep contact me today in an attempt to collect the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted the Omnbudmans Office over a year ago about a problem I have experienced concerning my loan. I did everything your office told me to do over a year ago and am still having problems. I resubmitted the paperwork and made the corrections as instructed and they still tell me I am missing dates or paperwork. I told the Sallie Mae Rep- resentative my paperwork had been reviewed by your office and was told to resubmit it by the individual in your office with some minor corrections to the addresses of the schools street address. I do n't know what the problem is. I do n't remember the person I spoke with by name because she told me I should not have any more problems. That was over a year ago and I still am receive harassing calls from them. I have explained scenario them several times and it seems to not do any good. I am a XXXX and have been for the last fifteen years and was seeking Loan Forgiveness under the Title I program. They tell me I have gaps in my years or something is wrong with the way I filled something out or they are missing a form. After I spoke with someone in your office I followed process to the letter of what I was supposed to do. Still having issues with XXXX /Sallie Mae . Could you investigate this matter again for me Any information you need me to provide I will be happy to do. Maybe my last request for assistance may still be in the files in your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: NJ

Complaint narrative:
A Home Equity Loan that we have with Bank of America since XXXX and expires in XXXX, I found by accident, through a Credit report, that Bank of America closed the account. When I inquired why the account was closed, they claim that they have a letter from me asking to close the account, we never submitted such a request. I asked for a copy of the letter that they claim that they received from us, they said that they can not find it!!

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 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America modified my loan in XX/XX/XXXX. I made my payments as scheduled in the amount due shown on the notarized form. Almost a year later, Bank of America sent a payment back to me stating I was n't paying the correct amount and that they were putting my home into foreclosure. I have had problems with this mortgage company ever since. Bank of America was most recently supposed to be " working with me '' to modify my home loan to prevent foreclosure / remove my home from trustee sale slated for XXXX. Bank of America asked me to submit documents, which I submitted and I have been waiting for more information from Bank of America. Today, I found a " written demand of surrender and possession '' notifying me that my home was SOLD at the trustee sale on XXXX. I have contacted many people this morning at Bank of America, to no avail. They have told me to " call the foreclosure attorney '' listed on the notice. I contacted the person listed on the notice, who is not an attorney, who states I have 5 consecutive ( not business days ) to vacate the premises. The contact person states " this happens all the time '' - the Bank tells the home owner they are going to work with them and then they sell their house. 

I have had ongoing issues with Bank of America since they purchased my loan. I only want to pay my mortgage / stay in my house that has been my home since it was built in XX/XX/XXXX - and now I 'm told I have 5 days to vacate and there 's nothing I can do about it!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 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: CA

Complaint narrative:
Dear CPFB : A few months ago, I contacted both Navient and the Consumer Financial Protection Bureau regarding a sudden increase in my student loan payment instead of a payment adjusted to what I earn. I then spoke with a Navient representative, who said they would " forgive '' the month for which they charged a full payment and revise my monthly payment based on my current income. 

Even though I have continued making payments per our agreement, I continue to get notices and daily phone calls with the same recorded message ( sometimes several times a day ) telling me to call them ( which does no good because I just get the same recording ) or that my account is overdue. Last night, when I tried to make an online payment on my cell phone, I was unable to change the amounts from the higher amount, which I can not afford to pay, to the lower amounts, which we agreed I would pay for now based on my income. 

It seems to me that different branches of Navient are not communicating with one another. Would you please direct them to straighten out their records? 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: KY

Complaint narrative:
Needing other payment options besides {$460.00} a month, on top of navient saying my ffelp loans arent covered under dtr

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory.

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 2016-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Bank of America after receiving a text about unusual activity, filed a fraud claim, and then received a message that they " do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they " do n't believe an error has occurred. ''

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 2016-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America closed a checking account that I had owned and reported the account closure to XXXX as potential fraud. There was no fraud that occurred on the account and Bank of America refuses to remove the incorrect information from my XXXX record. I have contacted Bank of America and XXXX numerous times about this issue and have been repeatedly told that the information is accurate. The information is not accurate-I believe that Bank of America is just not investigating. As a result of this, I cannnot open a bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo invited us to take advantage of the Home Affordable Refinance Program in XXXX 2015. We applied to refinance at a lower rate. My credit score is XXXX and income more than qualify for a refinance with no additional money requested. I 've been with WF since they bought Wachovia and do all my banking with them. We did not ask for additional money, just a lower rate on our current small loan. During the process, WF called my government client so many times that the client complained. We gave all the documents requested. In the last stage, they came back and asked for a XXXX for rental property because they wanted to know why we had a loss. What does that have to do with a lower rate? We did not submit it. Much later we got a survey request from WF asking us to be honest and tell them why we did not proceed with the application. I wrote the same to them and now more than a month later - Nothing from WF. What is the point of asking if nothing is being done or even said?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have a XXXX account with Wells Fargo MORTGAGE. I have been trying to get a loan modification without success. I have been going through this for years now. Just when I thought I was getting ahead, and processing a modification, Wells Fargo sold my loan to XXXX XXXX LOANS. I am frustrated and still trying to get a loan modification. I do n't know if it is Wells Fargo or XXXX OR WELLS FARGO.

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