vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Opened a bank account with Bank of America via an online public offer of {$200.00} bonus for depositing {$1000.00} of new funds into the account within 60 days. I opened the account online through the public link, and met the deposit requirements within a week of the account opening. I 've now only received {$100.00} of the advertised {$200.00} bonus. BofA is now citing me other terms and conditions not present at the time of the application, as well as alleged emails requiring customers to pick their preferred offer and associated terms. These emails were never received. The offer is publicly available to online applicants ; which I was.

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 2015-06-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Consumer Finance Complaint # XXXXXXXXPlease add additional information to complaint : The mortgage loan was transferred to Countrywide Home loan from the lender I tried several time to modify my loan because the interest rate adjusted out. I was given given incorrect information on how to submit the modification by customer service., Documents was faxed to Countrywide several times but they would statethey never received them. Several large mortgage payments was also made to Countrywide per their request. 
The loan was later transferred to Bank Of America and they were difficult to workwith on the modification request. I 'm aware Bank Of America entered into a Federal Consent Order, Justice Dept. because of the mishandling of mortgage modification requests. I am a victim of those unfair practices. I 'm still residing in the propertyand I want to keep my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: NY

Complaint narrative:
Navient is the servicer to my federal student loan. Per their internal policy, they apparently can not process paperwork for loans on autopay if they decide to process two weeks before the date of an autopay. This stands in complete contrast to their stated commitment to process paperwork in five to ten days of submission. 
As an example, my automatic payments are deducted on the XXXX of every month from my bank. I filed paperwork showing a change in my income levels on XX/XX/XXXX. Despite calling to push the process along on XX/XX/XXXX, Navient internally claimed they were ready to process on XX/XX/XXXX. However, as XX/XX/XXXX is within two weeks of the autopay day of XX/XX/XXXX ( 13 days, to be precise ), they will not consider the paperwork that has been filed until after XX/XX/XXXX ( and up to five business days after that ). Navient also agreed with me that it could be much later than that, as that " will be the holiday season, and work slows down. '' I am a responsible lender and have made on-time payments in the Pay as you Earn plan for several years. I am shocked that Navient, a private sector company, can not hold itself to a standard to process critical paperwork for months on end. Its client, the federal government, should take action to stop such incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: KY

Complaint narrative:
I have a {$24000.00} 6 % interest consolidation loan through Navient ( originally XXXX ) originating in XX/XX/2001. I have been making payment on this loan for 15 years ( less a few early periods of forbearance and an unemployment forbearance ). I logged in recently to see how much my remaining balance was and was shocked to see that I am after 15 years of payments listed as now owing Navient {$38000.00} in student loans. I have called and spoken with their customer service department asking how this can be the case on a 6 % loan I have been paying for 15 years on, they explained that during my forbearance periods interest was accrued and that for a time I was on an interest only repayment plan. My math still does not add up on how these amounts could lead to such a massive increase in the loan amount. I inquired on how we could get the loan paid in a timely fashion and the best offer they could give me was that I could pay $ XXXX/month for for 170 more months - which would be another {$55000.00} in addition to the 15 years of payment already made - which would be something like four times the amount of the original loan in total. 

I suspect something may have been added to my account or misfiled ( late fees, misapplied payments, etc ). Also, if I had been aware I would be accruing interest during forbearance or that I was paying an interest-only repayment plan ( and with that, if I was, how could I have been accruing interest as they claim ) I would never have agreed to those terms. I am turning to the CFPB as Navient appears unwilling to work with me on coming to a reasonable repayment of these loans. I would like to work out a reasonable and mutually acceptable repayment to get these loans resolved - I have been paying them for 15 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Over three years ago my neighbor walked away from her house. The house has been empty and the utilities have been shut off for this whole time. The home is deteriorating and in need of repair. The lawn maintenance has not been completed regularly and our city left a notice on the front door regarding the un-mowed lawn. I tried to contact the mortgage company and have been unsuccessful. I 've contacted the companies that have been managing the property and they do not respond to my complaints. We live in an HOA managed subdivision and we are required to maintain our homes to a high standard.

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 2017-02-05 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: NH

Complaint narrative:
I have been off and on an income based repayment plans with Navient. I have been having problems with them not processing my applications. I submit all info, they tell me that they have received it. Then I would get an email saying my next payment is XXXX. I call and they tell me to wait until I am closer to the due date. I do, and the amount does n't change. I call back and they tell me that they have not received all of the information and I will have to resubmit my application and force me to do a forbearance agreement. They have taken the {$590.00} out of bank account twice. The first time I called I was told that I was on a XXXX mo IBRP. I had to go to my bank and fill out a report that I did not authorize that payment. The second time was " for the remaining XXXX months of the XXXX and my plan expired. '' I again had to go to the bank and file another report. I removed my account information for the auto pay. Then I was told that I had to add my husband 's financial information even though this debt was incurred well prior to my even meeting my husband. He is also an XXXX XXXX XXXX with a security clearance. So I did as I was told to go to XXXX and the IRS would send our tax return info directly to them. I received confirmation from the government that it had sent the information. Navient initially told me that it had received the information and that it had not processed the information yet and to check closer to my XX/XX/XXXX due date. I did, it was still showing the XXXX amount. I called and then Navient claimed it did not receive the information and I would need to resubmit again and again forcing me into yet another forbearance until XX/XX/XXXX and then they changed it to XX/XX/XXXX. My account is showing an amount past due of over {$1100.00}. The short times I was on the IBRP all payments were applied to interest. I owe so much more now than the original loan amounts. I have XXXX loans with them, but I am attaching screen shots of the larger XXXX, but the same thing is happening to the smaller loan. I have been trying to work with Navient since it took over XXXX ( who did not treat me well either ) and have been arguing with them since XX/XX/XXXX of last year, just trying to get these loans paid. They keep putting me into forbearance agreements and, at this rate, I am never going to be able to pay off these loans. I have finally got my credit situated and the fear of Navient reporting this to the CRA 's is devastating. I feel that they are taking advantage of me by abusing the system and waiving the fact that it will be reported to the CRA 's and they should be stopped from this unfair practice. I also have been sending them information to change my name to my married name for almost XXXX years. They have me as XXXX and my married name is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: FL

Complaint narrative:
Problem : In XX/XX/XXXX, Navient changed my Billing and Servicing address without my request, knowledge, or consent, to collect a bill on an open account. After contacting Navient, they responded that " they had the right to do so '' and were not obligated to send me a bill. They provided me a copy of my billing history which shows the change of address, again, without consent nor request, and the address where the bill was changed to was not correct either as it was missing the Apartment/Unit Number. I have resided at the same address since XX/XX/XXXX and have never moved. By not receiving account statements from Navient, i was not notified for three months about the status of the account, which caused it to report to the credit bureaus as an account that was late over 120 days. Navient does not have the right to change a customers billing address in their system on an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I purchased my home with no down payment - XXXX in 2006I was making the mortgage payment for XXXX months. 
Then, i lost my job and fell behind on the mortgage. 
I called them several time and i was offered a program to help me save my home. 
Again, I fell behind. Then Bank America began to harass me ... I do n't understand why they called me until .... i was told that they purchase XXXX. Again i was offered a new payment plan. I was not working and could not afford it .... Then a few other banks called me - i had a XXXX mortgage too ... .. XXXX, XXXX, ,XXXX, XXXX , XXXX AND XXXX .... This was very confusing to me so i took XXXX to court. They agreed to present the original note and show they are the current mortgage bank ... PLEASE HELP MY FAMILY AND SAVE OUR HOME ... ... ... ... ...

Company public response: Company 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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Mary Mae Financial, LLC
State: NC

Complaint narrative:
I am an XXXX veteran and was induced by XXXX to take out a private loan from Mary Mae while they waited for my GI bill funds to come in. I was pressured and given no other options, and I was never refunded anything from the school once the GI bill funds did come in. The loan has an incredibly high interest rate of 14.99 %. I have always made my payments, but I was defrauded and stolen from, likely by the school but potentially by Mary Mae as well, it is unclear. Mary Mae 's website changes all of the time, and I am not able to get in contact with anyone to discuss the loan or its terms. I continue to make {$170.00} payments a month, with {$1300.00} left on the loan, but it would relieve a great burden on my family to stop making these payments or see some other resolution of this issue. I can not afford what it would cost to attempt to take legal action on my own. I want this amount forgiven, or at least the loan payments reduced substantially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a duplicate as the attachments I had attempted to send previously did not attach I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XXXX from XXXX. These are specifically marked that the debts were discharged/forgiven and have supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my prior disputes, they updated the items correctly. Unfortunately Equifax reverted back to reporting it incorrectly as originally disputed. I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually while I 'm on the phone and send updated reports to my house. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters freshman year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances since XXXX. Please help me get this corrected permanently. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a private loan with Navient. They are continuously harassing me to make payment on my account even though I tell them I am having financial difficulties. I pay what I can, but they call continuously through the day, more than XXXX times a day! This is harassment! My parents are my cosigners and are in their late XXXX 's and are constantly being harassed as well. I make my payments they are late sometimes maybe at the most 7-14 days late, but I always pay up my past dues. There has to be a better way to have Navients workers give better options with repayment, not just telling us the only way to defer is to go back to school and or to lower my payments. I have read many reviews about Navient and they are all the same complaints, harassing phone calls, Bad customer service, and no way to better help the student with better options for repayment. I feel moore than 3 times a day calling is harassing. I am looking at seeking legal council regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: CO

Complaint narrative:
The interest on my loans was raised to one of the highest the loan counselor at my university has ever seen. I 've been told that because I 'm in a loan repayment program I ca n't try to lower the interest. I 've also been told that if I were to request a lower interest that it might come back as higher interest and then I would not be able to decline that higher interest. What business operates this way?! I make my monthly payments ever month and yet go further into debt every month because of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Bank of American and got no response over a 2-month period. They called me with this problem and I went into the Bank of America branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within BOA that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was " wasting her time '' and " to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled " Shut up! '' I will be closing my account with BOA. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.

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 2017-02-17 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: KS

Complaint narrative:
I had changed my monthly payment to more than double the original amount so that I could repay my loan more quickly. Two months later they sent me an e-mail stating that they had lowered my monthly payment amount. Then when I called to reverse the change they said that they could not guarantee that the change could be made by the time my next payment was due. 
I was also informed that I would probably not be able to use my regular method of payment. Because the virtual bank card I use falsely classifies itself as a " pre-paid credit '' card I will probably not be able to use it to pay my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
I held a Bank of America Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Bank of America ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 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: CA

Complaint narrative:
RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief