vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 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: OH

Complaint narrative:
I tried calling them to get help with my private loan payment cause the amount they looking for me to pay is to high with the other household bills I have. The one person told me that I should n't have gotten a car and paid them but my car was XXXX and i needed a way to get back and forward to work and my kids to school. They are rude and not helpful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
the mortgages that are with XXXX XXXX XXXX that are fraudulent have now been referred to Pioneer Credit for collection. 
I have asked this agency to cease and desist. 
All matters are now turned over to AZ State Banking, AZ Attorney General office, AZ Corporation Commission and XXXX complaint with Federal court, Audit of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 BANK OF AMERICA , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!

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: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX, borrower contacted debt collector and acknowledged settlement offer from loan originator, Navient. Debt collector verbally denied borrower the right to settle referencing no knowledge of the agreement with loan originator. Furthermore, debt collector advised borrower that balance of {$8000.00} was different than balance of {$13000.00} loan originator was reporting to borrower 's credit reports. Debt collector also advised borrower that per the agreement reached in XXXX, there was no interest on the account. 

On the same day, borrower reached out to loan originator, and inquired about difference in balances, and debt collectors refusal to draft settlement agreement. Loan originator sent inquiry to Loan originator 's office of consumer advocate for review and response. Per loan originator, the debt collector had not communicated that they had committed to a repayment agreement with borrower, and therefore, Navient was reporting information incorrectly to credit bureau for a number of years. 

During the period of XXXX XXXX to XXXX XXXX, XXXX, borrower has contacted loan Navient, and XXXX, XXXX XXXX XXXX on a daily basis. Both parties seem to disagree on responsibilities of fair debt collection reporting, balances, settlement drafting, etc. XXXX, XXXX XXXX XXXX has informed borrower that account is not in collections proceedings due to the numerous errors, and they are in a holding pattern waiting for confirmation before collection action resumes. Borrower has, on numerous occasions, often daily, offered to make payment and or settlement in exchange for fair credit reporting from both parties. Both parties have remained in holding pattern, and improper balances, account status, and payment information has been reported to borrower 's credit account, thus harming credit standing, and civil liberties in regards to financing a home, available credit, consolidation, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I was incarcerated on XXXX XXXX 2016.at the time of my arrest my purse was in the vehicle of a woman I had met only a few weeks prior.I thought it was safe.WRONG.two weeks into my incarceration a deposit was made onto my bank of America visa in the amount of XXXX XXXX discovered upon my release on XX/XX/XXXX2016 ... I also discovered at this time I had a XXXX BALANCE.I was devastated.I filed a fraud claim with the bank right away.I filed a police report right away.I sent the bank proof I was in jail when each transaction was made.which was XXXX documents, ine for booking, XXXX for transfer to different county, and XXXX for final release.they inconveniently said they did n't get the release document, although they wrre all sent in the same transaction ... so I sent it again ... anyway they denied my claim saying they think I gave thus woman permission ... I absolutely did not.why would I? I hardly new her.I am the mother of XXXX and it was XXXX.please help ... I believe they are pAssing judgement on me ... because I was incarcerated.but what they DO N'T know is that jail saved my life. I was able to escape from my abuser ... some of that money was going to help me start a new life ... I had been waiting a long time for this money.it was back child support owed to me ... please help.the police report case number is XXXXXXXX.filed with XXXX washington police department..first officer XXXX then detective XXXX.then he says he turned it over to XXXX police ... because thats where most of the transactions happened. Then they said he would have never done that ... .I keep getting the run around..ive named the woman in the police report her name is XXXX.I fully want to press charges.I am willing to take a polygraph ... ... .please help me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I purchased a " lifetime subscription '' to XXXX XXXX XXXX XXXX XXXX ( XXXX company ). The transaction ( lump sum of {$15000.00} ) was made thru my XXXX Credit Card held in my Bank of America Bank account. The funds were paid out from cash held in my account around XXXX XXXX. By XXXX XXXX, I decided that I had made a huge mistake. I did not use any of XXXX XXXX services at any time. I notified the bank right away and asked them to cancel the purchase. They informed me of their policy which included that I could try to cancel the purchase but the seller had the right to present evidence of information which would allow them to keep the funds and force the sale. They were given 60 days to make their case. The process continued for the full allowed time. Near the end of that period the funds were nominally moved back to my account list with Bank of America and I had the mistaken belief that the long painful battle was over. I could not have been more wrong. I learned from XXXX of the many bank employees that the resolution had been made in favor of the sellers and I should have been sent a copy of it. Days later, I got a copy of it by mail. 
A few days ago, I received even worse news!! Even though I have already lost the XXXX XXXX dollars to the seller, the bank has structured things in such a manner that I will be forced to pay twice!! The bank claims that the {$15000.00} they passed on to XXXX is beyond their reach and there is nothing they can do about it. They claim I owe the bank {$15000.00} and they are more than comfortable to make me pay twice. The bank notified me that next month they will start charging me monthly interest and principal payments to repay the funds to the new phantom " XXXX '' " income fund '' sitting on my bank account screen and I am only allowed to " look but not touch '. Go figure!! I am XXXX XXXX XXXX with XXXX XXXX. This horrible ordeal has produced a tremendous amount of stress.

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 2015-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband & I along with my parents as co-signers purchased a home in XXXX XXXX in XXXX, XXXX. We went with an FHA loan through a mortgage company called XXXX , XXXX XXXX XXXX. XXXX XXXX got in a lot of federal trouble in mid XXXX and they went under, Bank of America took over our loan in XXXX XXXX. In XXXX XXXX I tried to refinance under an FHA Streamline loan with BoA and we were told we could not do this because we did not have an FHA loan. The BoA loan dept I was dealing with told me they would take care of it. After a few months I noticed that our loan was no longer listed as an FHA loan but it showed as a conventional 30 yr fixed rate mortgage. For months I was unable to pay my mortgage online and I was n't given any real reason why I could n't. After many phone calls with BoA our loan was changed back to an FHA loan & I was able to pay online. Then a few months later the loan was changed back to a conventional loan. I 've spoken with other mortgage companies and attorneys ( who are charging fees ) & we keep ending up with nothing resolved. I 've tried many times to talk to FHA and I either get transferred all over the place or get to someone 's VM. I 've tried to go to my local office that no longer exist and call my regional office with no call backs from them. Now our loan was sold in XXXX XXXX to a company in XXXX called XXXX XXXX. They are less than helpful and are totally clueless with no incentive to try and help me. 
This has left us in a position where we are unable to refinance under HARP ( since we are not backed by XXXX ) or an FHA Streamline ( since BoA changed our loan ). I need all partied involved to resolve this situation ASAP so we can move forward with a refinance before we lose the opportunity to use any of these gov't back programs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I have paid my mortgage to Carrington Mortgage company between the XXXX, every month for the past 7-8 months. I have a history of paying on time, never late. My XXXX payment was no different and paid via electronic bill payer from my XXXX account on the XXXX. Any payment received after the XXXX of the month is considered late. In XXXX, I received a past due notice and late fee from Carrington. I immediately called and faxed proof of payment to Carrington from XXXX bank and followed up with a call. Today, I received another past due note and late charge from Carrington. I immediately called and spoke with a representative. I asked to speak with a supervisor when she said my letter and proof of payment was not adequate to request the late fee be removed, it 's their policy, she said. She asked for copies of my banking statements. I stated that they have adequate documentation that the mortgage was paid by me, before the XXXX by my financial institution. I informed the representative that I have already been preapproved to transfer my mortgage to XXXX because of the awful customer service. My loan was originally with XXXX until Carrington purchased it. I have had nothing but problems since the bought the loan. This organization operates like a preditary collection agency, not a mortgage company. Their voice recording in calling informs callers they are a debt collection agency ( mini marinda ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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: AE

Complaint narrative:
Several years ago, I learned of XXXX student loans on my credit report when applying for a home loan. I contacted XXXX XXXX and they stated that I cosigned my ex-wife 's loans. I denied ever signing her loans and requested a copy of the contracts. After many months of many requests, XXXX XXXX sent the contracts without my signature but with an unknown email address and random sequence of numbers. When I spoke to XXXX XXXX, they said that the contracts had been signed electronically with the falsified email addresses ( XXXX separate email accounts ). I denied ever having access to these email accounts and asked how my identity was validated, which I never received a response. Instead, I was referred to their fraud department. 

XXXX XXXX 's fraud department instructed me to file a police report to have my name removed from these accounts. Immediately, I filed an identity theft report with the FTC, police report with my local police department and the police department where the fraud occurred. Neither police department would pursue the case because the majority of the loans were outside of the statute of limitation. Secondly, I was informed by XXXX the detectives that because the allegation of fraud was my ex-wife, the issue was a civil matter, not criminal. 

When I contacted XXXX XXXX with this information, they told me that they would not remove my name from the account without validation of forgery from the police. They recommended that I take my ex-wife to court. Afterwards, I retained an attorney and was awarded an enforcement order against my ex-wife to indemnify me from these loans. During the legal process, the loans transferred to Navient Corporation. I spoke to their fraud department and sent a copies of the the court order and police reports ; signed affidavits from people that could attest that I never used the email accounts used to cosign my name in the loans ; proof of an unrelated document that I discovered my ex-wife had forged my signature ; copies of tax returns to demonstrate false information provided about my employer and salary ; and proof that I had been XXXX and XXXX when XXXX the loans were signed. Navient did not respond. 

After I had received the court order, my ex-wife defaulted on the loans. Consequently, Navient has reported this information on my credit report, resulting in a XXXX point loss in my credit score. This has resulted in revocation of credit lines with my banks. Also, I have been counseled by my employer that my security clearance may be revoked as a result. 

I tried resolving this issue with Navient but they will not release my name from their records. It appears that my only recourse is to spend an additional $ XXXX for an attorney to hold my ex-wife in contempt. Regardless, this will not stop Navient from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 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:
I have a XXXX degree and significant student loan debt. I am currently working with XXXX different lenders. I keep records, and I pay on time. While my balances are decreasing with XXXX of the XXXX companies, I am baffled by what I consistently see on my statements and the lack of progress that occurs with my Navient loans. The allocation of principal vs interest to each loan makes no sense. The lack of transparency and progress towards paying down loans with this company makes me fairly certain that fraud is occurring with this company. I have years of records and am happy to provide whatever is necessary to properly investigate this company and situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX is showing I was 30 days late on my mortgage payment with Bank Of America, from XX/XX/XXXX-XX/XX/XXXX. Per my two phone conversations with Bank Of America on XX/XX/XXXX @ XX/XX/XXXX they checked back and said I was never late with any of my mortgage payments and also my first payment was due XX/XX/XXXX and it was paid on XX/XX/XXXX. Also Bank Of America told me I had the pay plan which is biweekly so there is no way that I could have been late on my payments which you are showing. 
Please have this matter resolved ASAP and let me know the status of my request. 

Thank-You XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-15 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: NY

Complaint narrative:
Hello, I opened an account using XXXX and connected my Bank of America checking account information to my XXXX account. I had an item due to XXXX and XXXX attempted to withdraw those funds from my Bank of America account. The funds were not available and I was charged a NSF fee of {$35.00}. I then proceeded to pay my XXXX balance using a different account. The XXXX system is designed to continuously try and gain these funds from the same account daily until the fee is paid. On Bank of America 's side, these XXXX transactions appear to be continuous withdrawals. XXXX continued to charge my account XXXX XXXX different occasions and Bank of America continued to charge me NSF ( {$35.00} ) fees each time XXXX attempted to collect these funds. I have documentation from XXXX addressing Bank of America of these reoccurring charges and requesting that the {$430.00} in NSF fees be removed from my account. XXXX and Bank of America have been unfair, deceptive and abusive. I demand that Bank of America remove the outstanding balance of {$430.00} for NSF charges that I did not approve by XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20 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: MI

Complaint narrative:
NAVIENT constantly puts my loans in default stating that I never " submitted '' paperwork. I have proof that I applied for an IBR on XX/XX/2016 reference # XXXX through the website studentloans.gov. Today is XX/XX/2016 and I received a call from NAVIENT stating that my loans are in " default ''. This is a reoccurring issue that I have had with Navient and I find it criminal because every time they pull these issues- I am penalized and my balance just continues to grow. I contacted XXXX as well as the om buds man for XXXX. They were appalled to hear of this. I am putting this out there because I feel that NAVIENT takes advantage of people and just tries to make MORE money off of people. It 's a complete outrage that I have proof that I turned in everything I needed and I have talked to 3 different people from NAVIENT- which everyone of them gave me different answers on what I needed to turn in. Meanwhile I am being penalized. I now have to go through the process AGAIN for something that should have been handled in XX/XX/XXXX AND they do n't want me to call to verify that they received my paperwork. The supervisor that I spoke to said that if I do n't hear from him- just assume that all is well. My guess is that my account will be back in default again- what do you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America mortgage has recently disabled their option to allow extra principal payments to pay our loan down. It used to be on their full website online as an option but they just decided to get rid of it. I was shocked to hear that the only option to make extra principal payments is to go drive to a bank or mail it in. We are unable to even try to do this by phone as BOFA will charge you. After contacting executive complaints Dept even they are aware how ridiculous this is. In today 's technology and especially when this was an option before how in the world can they think they can get away with this?? Driving to a bank or mailing it in is not only inconvenient, time consuming and costs us consumers interest and money not to be able to pay off our loan. It 's clear they are trying some deceptive option to make it difficult for us to pay off our mortgage quicker. I hope this gets around and something gets resolved or fixed. I 'm sure it will affect millions of customers.

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