vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I contacted Navient late last year to pay an extra {$1200.00} to pay off XXXX of my XXXX loans with the company. They falsely assured me that they will apply the payment to my smaller loan in order to pay it payoff. However, when I checked my account today, I noticed that they did not apply the payment as I instructed them and only applied {$200.00} towards the smaller loan. Second, they changed my monthly auto-pay amount and increased it by 50 %. There was no notification provided to me regarding the increase of payment nor was I provided documentation indicating a change in my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
You Bank of America are grossly misinterpreting the order of XXXX XXXX, 2014, signed by XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ), File Number XXXX, regarding Bank of America 's ( BofA ) Credit Protection Plan that I was enrolled in to " protect my credit ''. The CFPB is making all customers like me whole again. This means all fees and interests accrued as a result of BofA 's mishandling of these accounts are to be deleted from the credit reports. That is what I am requesting. I am stating exactly what the language is in Paragraph XXXX of File Number XXXX, and I quote : " With respect to any Credit Protection and Identify Protection Eligible Customer 's Account that receives redress as a credit that decreases the existing balance or charged-off balance, the Bank shall, as permitted by law and in accordance with existing procedures : ( b ) delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account. '' End quote. So please delete XXXX ( {$320.00} ) regarding me from all Credit Reporting Agencies ASAP. The balance that you BofA are continuing to report to the Credit Reporting Agencies is pure and simple illegal and a gross miscarriage of justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 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: NJ

Complaint narrative:
Hey, I have a XXXX Loan and they switched over to Navient. They are over charging my loan and my principal is not going down. They keep on collecting interest on my loans and also have been paying interest when I was in school so that my loans does n't exceed the amount after i graduate. After looking into it I realized that my original balance was XXXX and now its XXXX and I have been paying interest on this since I got the loan and it same thing for my other loans. I have been going back and forth with them but never got any resolution from them. I have been quietly paying the student loan every month of XXXX. The never every communicate on any changes or changes that I made which need results from Navient so I can move forward. For Example, I had apply for automatic payment but never heard from them that I was approved. I had to call them and confirm that I approved or I would have double payed them. I also recommend a lot people not to get XXXX or navient because they are very very unfair to the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit reports this year, I found that BAC has given me a negative rating starting XXXX. It started with a N/R rating, then on XXXX it went to an X for unknown. They also stated that this account was closed XXXX/XXXX/XXXX as well as discharged in the bankruptcy of XXXX. Again, IT WAS NOT INCLUDED! I have all my statements from BAC, my bank, and even an escrow account review that begins XXXX and ends XXXX, showing that I have paid every month. The previous credit report that I received in XXXX stated from BAC, that I paid as agreed, was current and never late. And nothing has changed on my end. I have tried to rectify this with BAC and the credit bureaus, but to no avail. However, since I disputed their rating, BAC has retaliated against me by transferring my account to XXXX Mortgage, XXXX, which I have since found out to be a collection agency. And I have read nothing but horror stories about this agency. There was no reason for the adverse credit reports in the first place and certainly no reason to transfer my account to collection agency, since I am current and always on time with my payments. This is a malicious and unconscionable act on the part of BAC. Nor will BAC even speak to me concerning this or the credit reports. I had no idea that there was even a problem with BAC until I saw my credit reports and I do n't understand why they just changed everything, out the blue, when nothing had changed with my payments. I suspect, since their XXXX statements started mentioning the bankruptcy in bold print and that they could foreclose if I default in my agreement ; that by making fraudulent claims, they are trying to set me up for foreclosure. Why they ca n't just do the right and just thing for consumers, is beyond me. It is as if they have a department that does nothing more than figure out ways to steal, disrupt the lives of and just plain defraud their customers. All they had to do was just report the correct information on my credit reports. I ca n't even refinance my home because of the adverse credit reports by BAC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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 am enrolled in an automatic debit payment plan with Navient. They take XXXX out of my account on the XXXX of every month. They are claiming that I am late in my payments and charging me a late fee for my loans because even though the date they take the loans out of my account is on the XXXX, my due date is actually set up on the XXXX. This was unknown to me when I set up the payment plan. I have contacted them over 5 times about this and the past 3 attempts to fix it, someone at Navient has said they were going to refund my late fee and fix the issue however that has yet to happen. I am concerned because I am getting charged a late fee when I do n't feel like it is fair to charge me a late fee, and it is affecting my credit and also hurting my chances of releasing my co-signers which requires 24 months of consecutive non late payment. Navient has set up my monthly debit payment in a way that it is taking more money from me and making it impossible for me to advance further in my economic independence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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: CA

Complaint narrative:
My student loan is managed through Navient. I had been making payments towards my loan even though my due date was not until 2018. I thought that the payments I had been making were being applied towards my principal but over the last couple of months I noticed that my principal was increasing instead of going down. When I called Navient they told me that my payments were being applied to the interest that I would accrue until 2018 and until I paid this off then the rest would be applied towards the principal. I told them that why would I pay to defer my payments when I know I am accumulating interest? This option makes no sense and I do not recall signing up for this. They automatically put me on this plan which I would have never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
Aadditional payments on my student loans are not being applied to my principle balance, but rather only being applied to interest, therefor my balance has not dropped. In 2016 I paid over {$5700.00} in interest, however my balance has dropped less then {$1000.00}. ( 2016 beginning balance approximately XXXX ending balance approximately XXXX. ) I can provide financial statements to show payments and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have received a letter of " Notice of Pre-Foreclosure options '' form bank of America for our house on XXXX XXXX XXXX XXXX, XXXX, WA XXXX The letter requests that we " respond within 30 days or a notice of default may be issued and you may lose your home in foreclosure ''. 
Yet, the latter did not include why this letters was issued and why we may lose our home for a foreclosure. Bank of America failed to tell us know what is the problem and what action we need to take to avoid such action by them. Especially when we paid our mortgage on time every month since 2009. 
I am attaching the letter we received from Bank of America and the last mortgage statement. We here by request asking your assistance in resolving this issue and would like the bank to : 1. Specify exactly what is the problem and what we need to do to resolve. We need that in clear " English '' not in obscure lawyer language. 
2. Rescind the letter in writing. 

We also, contacted the bank today and the customer service person was not able to help and he stated that he " could not find any reason fro such letter since our payments are up-to-date ''. On top of that, he stated that he could not do anything.

Company public response: Company 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: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was able to lower my monthly payments based on my income. They payments have more than tripled without notice and I am struggling to pay the loan. Additionally, I was charged late fees that do not bear a relationship to the actual costs incurred by XXXX or Navient in processing the missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America XXXX. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.

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 2017-01-20 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: CT

Complaint narrative:
We have been paying first XXXX XXXX now Navient since 2005. We have XXXX daughters that went to different colleges and we tried to consolidate these loans at the lower interest rate and we never heard from anyone. We now have 8.5 interest on our remaining loans, which, at present are in deferment, as I have had an accident and can not work. I believe the way they determine the lost interest is incorrect as it seems the balance we owe never goes down. The statements they send are very confusing for the layman.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Bank of America is still not crediting my principal only payments to the principal remaining on the loan balance. Instead they are applying it to future payments ( and interest ) despite my insistence not to, and their policy not allowing this. I have previously submitted a complaint to CFPB regarding this matter ( case number XXXX ). Despite my efforts BoA continues to violate their written policy regarding application payments, and is in violation of the XXXX XXXX XXXX ( c ), failure to credit a consumer 's periodic payment as of the date received. These payments are instead being used to satisfy future payments - as of my XX/XX/XXXX statement, I am now paid ahead until XX/XX/XXXX - ( approximately {$1600.00} in advance interest payments ). 

I pay my mortgage twice per month. The second payment on the XX/XX/XXXX of the month is supposed to be a principal only payment. I have contacted Bank of America regarding this issue on numerous occasions. Resolution specialist XXXX, replied to the last complaint submitted and corrected payments. Furthermore, in his letter he assured me that if I wanted to pay in advance I would have to submit a letter in writing specifying this desire. 

All mid month payments ( extra payments ) are to be applied to the PRINCIPAL balance of the 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 non-monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Bank of America written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Bank of America allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. " Per Bank of America BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-11 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: WY

Complaint narrative:
I was sent a letter giving condolences for my death. I called and informed the company that I was very much alive. Another letter was sent that my mother received while at my house- it caused her quite a fright. I have yet to hear anything back from the company either way, and have not had any of my automatic payments taken out for months. I absolutely refuse to pay any late fees or interest that is tacked on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 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: NY

Complaint narrative:
I have tried to close my Bank of America account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to 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 non-monetary relief
Consumer complaint received 2017-01-23 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: SD

Complaint narrative:
I have been paying my loans since 2006, I struggled at first as I was just out of school.I did what I could and was into at least XXXX forbareneces, never once asked if I wanted to do income based payments. Now 10 years later I 'm still paying and for the last 5 years I have been over paying my loans to the point that they say I do n't have a payment due for 2 months. On top of it all the payment has shrunk. There is no definite due date and as I keep over paying the payment gets smaller. This is rediculus, I own a house and if I over pay I still have to make the same payment ever month. They are XXXX me and XXXX out of money cuz of the way they set up loans. No one will ever get out from under the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For XXXX years I 've been transferring funds from my credit union account to my checking account at Bank of America. Those transfers all cleared in XXXX hours or so - I never even saw a hold placed. Last month, however, my deposit was held by BofA, XXXX for XXXX days, then on the XXXX day extended to XXXX days. The credit union reported that the funds were delivered to BofA on the day after the deposit. After an hour on the phone with the " risk department '' at BofA, a supervisor giving her name as " XXXX XXXX '', released the hold, but refused to tell me why the bank had placed a hold on funds they had already collected. The same thing has happened this month - my check was deposited in a BofA ATM on XXXX, the credit union shows the check clearing on XXXX, but BofA, on XXXX, declared a hold on the deposit, which they say will be released on XXXX. Again, agents of the BofA refuse to say why my money is being held, a XXXX after they collected it from the credit union.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
We recently contacted Green light and Mortgage to refinance our current mortgage went through the options available to us we choice the option that best suited our needs. XXXX XXXX provided us with new loan document and contract and in the contract the follow disclosure was made and I quoteThe locked rate you were quoted, and our rate lock agreement is contingent upon you signing and returning required document within 5 BUSINESS DAYS of receipt. 

If we do not receive the required documents within 10 BUSINESS DAYS of receipt, we will be unable to proceed with your application and it will be cancelled. After this time, you will be required to re-apply and start over. 


We return the signed loan document and contract XXXX/XXXX/2015 through XXXX on XXXX day from the time we initially received them from XXXX XXXX and on the XXXX we sent declaration page and XXXX mortgage document 3 business days from the when we initially received them XXXX XXXX. I call XXXX XXXX and was informed our contract was cancel we did not meet the requirement s set forth ion XXXX page of the disclosure and were expected to pay more interest. 

We met the required obligation within the time frame specified in the disclosure page within the specified business days. In fact today would be the 10th business day of the agreement today. 

While I can understand policy and procedures we meet the requirements but then to be treated in condescending way from XXXX XXXX put me over the edge I am filing a complaint a against Greelight Mortgage with AZG, HUD, FTC. 

We meet the requirements set forth by Green Light Mortgage it is Green Light Mortgage that 's failed to honor their agreement with us

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: KS

Complaint narrative:
Well i have both federal and private loan. I graduated college only owning XXXX dollars. I got out of college and did not get a high paying job and had other bills to pay. Well they steered me towards forbearance on federal loans and gave me low income based repayments plan for my private loans, never telling me that the interest alone would raise my principal by double ... I now pay close to 500 dollars a month for federal and private loans and i now owe around 58000 dollars.

Company response to consumer: Closed with explanation