vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I contacted TD Bank XX/XX/XXXX requesting an extension to my maturity XXXX. After having paid perfectly for 10 years, I was informed that they were not renewing land loans and could not extend my maturity date. They suggested I move the loan. I informed them this was not possible as other banks were not financing land loans and the property was worth XXXX % of the loan amount. TD Bank suggested that I file a " Request for Assistance '' ( RFA ) package. I obliged and completed the information. They approved a deed-in-lieu ( DIL ) after 6+ months and I requested that either they forgive the residual balance or we agree to terms for the repayment of the residual balance. They refused and the DIL was cancelled. They had me complete the RFA again for a loan extension/renewal. The loan modification was again denied after another 6 months. XX/XX/XXXX I first contacted the CFBP. I immediately received a response from TD Bank. I explained the situation and was told to complete a RFA again. For the 3rd time I completed the RFA. I then spoke directly to a representative and he again informed me they would not extend the loan as they are not extending land loans. I indicated that I understood and would except a DIL so long as the residual balance was forgiven. The representative asked if I was able to make a principal balance if the DIL was approved and balance forgiven. After consideration, I concluded that I could provide an additional principal payment to the bank of $ XXXX. The bank verbally agreed and committed to this action XX/XX/XXXX/XX/XX/XXXX. It is now XX/XX/XXXX and TD Bank is suggesting that they can not abide by this agreement. I have been contacting them repeatedly without success. They continue to indicate that multiple departments are involved. Please provide any assistance necessary as my note matured XX/XX/XXXX. I stopped making payments based upon the bank 's acceptance of the $ XXXX principal offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX and i already send XXXX complains against debt collector XXXX, BOA and XXXX XXXX and their attorney XXXX XXXX! 
I rescinded the alleged loan XX/XX/2015 sinse the court did not go by the rules and did not take my discharge of the alleged debt into consideration. 
They received it XX/XX/XXXX and did not sue me in the 20 day frame.They waived their right to do so. 
so the deed and note is null and void!!!!!!!!!!!! 
Plus they ( XXXX XXXX violated all kinds of XXXX XXXX XXXX laws which i will bring up in Federal courtPlease help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I spoke to XXXX with Bank of America on Tuesday, XXXX XXXX at XXXX. She indicated to me that I needed to be a minimum of XXXX months late to be eligible for a short sale on my home. I have a fundamental issue with this because of the Fair Credit Reporting Act. There is a hardship. I need a modification. I 'm in the hardest hit state. Why are they telling people this when it 's a violation of the Fair Credit Reporting Act?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Syndicated Office Systems,XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX CA XXXXhas placed a medical record on my credit report that does not belong to me, they have been informed in writing that i am a victim of Identity theft and i only paid the account, because they said record would be deleted, they have now refused to remove record from my credit. i should not be asked to pay for bills that i am not responsible for, and after payment is made, they still refused to remove collection record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: CA

Complaint narrative:
When Navient took over federal student loans from XXXX XXXX, my information was somehow updated to show that I was late on payments, when in fact my loans was under deferral with XXXX XXXX. I have called and contacted this company twice in regards to this error and as of today, they have not provided, nor corrected my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is.

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 2015-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WV

Complaint narrative:
Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My balance seems to never go down

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: AZ

Complaint narrative:
i have my student loans with navient i have XXXX loans XXXX federal and XXXX private. i have started to pay more on the private loans because the interest is 13.65 %. i have had XXXX loans since 2004 and that have n't paid down that much. as a matter of fact XXXX has gone up. after i started paying extra they start holding my normal payments, which are auto pay, instead of applying them. they did n't do that before. i know that they are doing this to drive up the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America received a request to place a levy on my bank accounts, so they did. According to Virginia law, certain payments are exempt from garnishment and levy, which includes child support payments. I informed both the collection company and Bank of America that my child support payments are exempt, but Bank of America refused to release the hold on my support payments, which were being direct-deposited. I contacted the court and filed a " Notice of Exemption Claim '', reiterating that these funds are exempt. A copy of my claim was also sent to the attorney. A day after the notice was filed, Bank of America released exempt funds to the attorney.

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 2015-12-29 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: AZ

Complaint narrative:
I banked at Bank of America. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a " pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 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: CA

Complaint narrative:
I had submitted a previous complaint just last week regarding Navient Private Student Loan. I had complained about an employee who was rude and would n't help us with our situation to extend the Rate Reduction Program. 
I received a call back a few days later from another gentleman ( XXXX ) who said that he was going to request the extension and would call me back on Monday XXXX XXXX. I asked for his name and contact information, but he would only give me his first name. I contacted Navient today, Tuesday XXXX XXXX because I did not receive a call back from XXXX who said he would call me back. I was told that they denied my Rate Reduction. 
XXXX called me back after my complaint last week and he did not go over anything with me regarding our financial situation. I felt rushed off the phone and gaffed off so basically he did nothing for us and was a huge waste of time. I spoke to a supervisor named XXXX XXXX who gave me his employee ID unlike XXXX who did not. I asked if I could be transferred to the department where XXXX worked. He stated that they could n't transfer calls to that department. Well I could only imagine why since I 'm sure they have numerous complaints from the public. Where is the accountability at Navient? 
Currently our balance is {$48000.00} and our interest rate is a ridiculous 9.75 percent. We will never pay this loan off in our lifetime. When Navient went over our budget, I could n't include all of our expenses because they do n't allow pet food or vehicle registration, car maintenance or anything other then bare essentials. This is a nightmare for my family. Our payment was {$230.00} on the Rate Reduction Plan which had been increased from the year prior. We were under the impression that they would continue to increase the payment slowly until we could afford the regular payment plan, but instead they want us to pay over {$400.00} in payments each month with a high interest rate. We are decent hardworking people and all we are asking for is help. We have paid our payments faithfully each month. This is cruel to treat people this way. I only see these large corporations as XXXX, greedy and with a lack of compassion. We feel like slaves who are trapped in debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 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: AZ

Complaint narrative:
My student loan was transferred to Navient in XXXX XXXX, upon transfer Navient reported my payment at {$84.00} which is incorrect. In XXXX, I paid this amount without paying attention and in XXXX I contacted my previous servicer XXXX to inquire why the amount had increased. They stated I am under income based repayment plan and it should not have changed. The payment amount is {$64.00} and there was a late fee which made the total {$84.00} but it was my option to pay the late fee. I contacted Navient and told them this and was told their website would not allow the amounts to be seperated, I then stated since I paid the {$84.00} there was no longer a late fee and the correct monthly amount should be showing. I was then told that no the extra paid was applied to the loan and not the late fee and this was how it worked for student loans. I have been protesting since. In XXXX, Navient has hiked my payments up and my income based repayment plan is not expired and they are showing late charges in addition to prior. Navient is attempting a form of extortion and refuses to forward my any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/13 want to be removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 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: VA

Complaint narrative:
Bank of America keep charging me huge overdraft of the services they never rendered. 
the check was returned and they charge me XXXX dollars for 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 explanation
Consumer complaint received 2016-10-18 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: NY

Complaint narrative:
Contacted Navient XX/XX/2016 about changing due date for my loans. Date was changed to XX/XX/XXXX. Last paid balance XXXX/XXXX/16, discussed upcoming due dates of XXXX/XXXX/16 and XXXX/XXXX/16. Logged into Navient website XX/XX/XXXX and XX/XX/XXXX prior to XXXX/XXXX/16 showing no payment due and next payment due XXXX/XXXX/16 through AutoPay. All indications were that the account was current and that the next payment would in fact be XXXX/XXXX/16. There is no suggestion that the account is past due on " new '' Navient website or " old. '' Photos are attached to this complaint. Received via hardcopy dated XXXX/XXXX/16 that account is past due, there is a {$46.00} late fee, and I also note that interest rates are no longer being credited 0.25 % for AutoPay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 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: TN

Complaint narrative:
I have a private and federal loan with Navient, formly XXXX XXXX. Recently, I contacted them to reset my loan amount payments based on my income and to defer the payments since I 'm back in school full time. I was told they can defer payments on the federal student loan for 3 months, but it would cost {$50.00}. Otherwise, I have to continue to pay {$89.00} because I do n't have the option to base the payments off my income with either the federal or private loan which as an additional {$100.00} ea month. I 'm confused because this is a new law that was passed regarding school loans. Yet, you contacted this loan providers, and they tell you that you are incorrect. I 've had issues with the company before, and it continues. I 'm currently unemployed, and I 'm back in school XXXX. This company continues to draft payments on XXXX loans each month and threatens if I do n't pay them it will be reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My deceased mother had an account with Bank of America. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a BOA branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of BOA tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with BOA and get the money, but XXXX at BOA XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but BOA and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Bank of America and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).

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 2017-01-23 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: FL

Complaint narrative:
My loan amount increased and interest rate increased after being sold to Navient. Unfortunately, I am not able to make full payments on my loan but when I call for options on what I can do, I seem to get different answers. I was told that I could only do forbearance, which accrues interest. Then after talking to friends/family, I was told about the income based payment option which I was told was over {$500.00}. That was definitely not affordable. I was told then I can stay on forbearance, which I still am. They were not willing to negotiate affordable payment options. Two options basically given was an amount I can not afford to pay or go into forbearance and incur interests. I do not have an option. There should be more that Navient is willing to do to help students.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: AZ

Complaint narrative:
I have been trying to pay off my student loans since leaving college in 2010. At the beginning of the repayment period, my loans hovered at approx. $ XXXX due. I have paid my student loans ( never late beyond 30 days ) despite job losses and today my payment has increased to $ XXXX with no end in sight. I 've tried income driven repayment plans with no help. Unless I double my payments, I will see no progress in paying down. Not to mention that my loans ( which are supposed to be consolidated ) have varied interest rates attached to each loan. The rates range from 2.10 to 6.8 %. The website used to pay my loans is no help with trying to determine how to properly allocate my payments and the customer service number ( when it 's working ) leads to no help. I do n't understand why a consolidated student loan comes with varied interest rates. I would like someone to review my file and help me determine the best way to accomplish repayment. As it stands I will being paying these loans for 20 years when the rest will supposedly be forgiven.

Company response to consumer: Closed with explanation