vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-28 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: CT

Complaint narrative:
Navient took over my loan from my previous loan servicer, where I had a 1 % interest rate reduction for maintaining autopay. When I was switched over, I needed to sign up for autopay over again to retain that discount. I did so, however i also needed to switch bank accounts. Unfortunately, the web site was giving me several problems and I spent hours fighting with it. I finally was under the impression that the autopay went through with my new bank account, but it did not in fact go through as expected. As time passed, I was charged for a late payment, and quickly reinstated autopay. When I called to address this issue, I also noticed that my rate had increased by 1 %. To add insult to injury, they blamed me for not making the payment on time, and refused to return to my original interest rate. They even refused to refund the late fees. I called again and asked to speak to the manager. They put me on hold multiple times, for several at a time, giving me the impression that they were working to resolve my issue. They ultimately informed me that they would send it to someone who would potentially fix the rate issue as a courtesy. Nobody ever got back to me, the late fees were never returned, and my rate is still 1 % higher than it should be. There seems to be nothing I can do. I have had these student loans for over 10 years with a previous servicer and never had a late payment in my life. One missed payment that occurred because of their broken web site, and I am now paying them a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I have tried contacting them 3 times in one day to discuss a payment plan that is affordable to me and I was put through to 4 different people the first time then, as I was supposed to be transferred to someone else, I was transferred to take a survey then hung up on. The second time I was transferred to a second person who hung up on me. The third time I called I had the most help, not sure who I spoke with, but they were still not able to get me the answers I needed. The guy I spoke with just told me to call back in one week. He gave me a reason but it did n't make sense to me. I 'm just looking for someone to help me lower my payments to something I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
In 2010, the value on my property had dropped significantly due to the mortgage meltdown, so my wife and I became behind on payments on our first and second mortgage. We were advised by an attorney to file bankruptcy. We had to file Chapter XXXX, because of our combined income, and later converted the case to Chapter XXXX when my wife lost her job. The Chapter XXXX bankruptcy was discharged in 2010, eliminating my 2nd mortgage and allowing me to keep the 1st mortgage and my home.

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 2016-09-20 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: GA

Complaint narrative:
A Bank of America ATM card, issued to bank patrons, allowing a customer to access their accounts stopped working in B of A ATM machines. The card did work at the banks inside teller Windows. My branch tellers thought that strange and advised me to call the B of A telephone number on the back of the card since the card was not damaged and did work if I entered the bank. I called number on the back of the card and was advised that the account was active and that problem should not happen and they would replace the card for a {$5.00} fee. Since this card was originally issued by B of A when opening my account and thru no fault of mine the card no longer worked, B of A should replace the card instead of passing on an ever growing number of fees costing the consumer excessive financial burdens. As an additional note my local branch advised me they were getting numerous complaints from customers regarding excessive fees, that they as a branch had no control.

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 2015-10-12 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX, 2010 I purchased a foreclosed home from Bank of America XXXX BofA XXXX. BofA still thinks that it owns the home and is mailing me debt collection notices and sending debt collectors to my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 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: TX

Complaint narrative:
I lost my job in XXXX due to XXXX. I graduated and was unable to find a job. I am married and according to Navient my husband 's income was " too high '' to qualify for lower payments, so they suggested to put the loan on forbearance. My student loan increased from the original {$50.00} to {$98.00} in three to four years. On XXXX, I was informed that I could place my payments for 25 years and that my payments would be around {$650.00} a month. After 3 to 4 years of no negotiation towards lowering our payments, my original balance doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: AZ

Complaint narrative:
I have been unemployed for over XXXX months and had to defer my student loans. I have to renew my unemployment benefits with the state and show proof to navient of this situation. My current unemployment benefits expire on XX/XX/XXXX. Navient has now sent me multiple emails with different amounts of payment? I received a change in loan terms email stating that my monthly payments will be {$120.00} per month. I then received another email stating that my monthly payments will be {$250.00} as a monthly statement. This is confusing because the terms of my new loan payments state {$120.00} yet I am receiving emails stating my monthly payments are higher?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I set up a personal checking account with a bank XX/XX/XXXX. I had been " taken '' by a scam artist who wired money into my account, but later, after the account was " purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been " taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to " worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to " worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved.

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 2016-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My father 's Bank of America debit card was used in a XXXX XXXX XXXX while he was in a XXXX We have filed at least XXXX complaints about {$37000.00} in charges from his bank account with Bank of America. We have provided a letter from the hospital naming the person who used the card, provide notarized copies of his signature and the bank keeps telling us that these were authorized charges on his debit card made by him. We have been fighting this battle with Bank of America since XXXX XXXX, 2015, when my father passed away in XXXX XXXX. They also paid alimony payments from his bank account after I froze his account on XXXX XXXX, 2015. I have done everything within my power to try to retrieve these funds that were gotten nothing but letters stating that these were signed by my father. I feel that it is unfair that a large bank can get away with stealing over {$37000.00} from a deceased person 's bank account.

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 2017-03-07 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: NJ

Complaint narrative:
Navient failed to notify me of my student loans going active when i was between semesters in school. i wrote them a certified letter that they received on XXXX XXXX 2017 and never received a response. i called them on XXXX XXXX 2017 to have the late payments removed due to their failure to respond and they lied to me saying they did and they were not going to change the reporting. after arguing and getting nowhere i hung up. then instantly after hanging up the phone i log on to navient and have a messge dated for XXXX XXXX. with a letter back dated to the XXXX. either way they never did it in the 30 day period they had, continued to live to me, and didnt make the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has purposely parked and stalled my Request for Mortgage Assistance ( RMA ) application package with the various tactics that include, but not limited to, incorrect denial of borrower eligible programs, specifically Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ), ceasing communication during the loss mitigation process, withholding material information regarding the status of the borrower, mishandling of documents, misrepresenting the status of the loan, and making duplicative and unnecessary requests for documents. 
These tactics are employed and designed to intimidate, disstress, and coerce the borrower into an action or inactions that, absent of such tactics, would not have occurred. 
In addition to soliciting a desired result, Bank of America had also solicited government and tax payer funds that, absent these tactics, would not have had cause to be solicited or used. Specifically, Hardest Hit Fund Program ( HHFP ) for borrowers who are active in the loss mitigation process. 
From XXXX XXXX through XXXX XXXX, Bank of America received HHFP Unemployment Assistance monthly installments applied to this home loan mortgage account. On XXXX, XXXX, and again on XXXX XXXX, XXXX, I received the same exact MHA HAMP denial letter from my assigned SPOC which was later determined to be incorrect on an appeal and subsequent escalated cases. This is no coincidence in timing that just so happened to be when the last HHFP Unemployment Assistance monthly installments ended. 
I have repeatedly requested an explanation for the Bank of America repeated representation of borrower ineligible for HHFP assistance while collecting and applying those payments to my home loan mortgage account from XXXX XXXX through XXXX XXXX, but have never received any response from Bank of America and their representatives that addresses my concerns.

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 2015-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent " conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went through a bankruptcy and came out with a negative balance for my insurance and taxes against my home after 5 years with interest. I request a modification and it took close to two years and the loan was only modify by adding the balance back to loan and the rate stayed the same and I ask why the rate stayed the same I was told that the modification was to ketch me up not make it comfortable. My payments was XXXX and thru my trial modification XXXX a month. Now I am asked to pay over XXXX a month. I also found out that a lean was put on my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
None of my Federal loans are in default and I had no idea they have been that way for the past three to five months my private student loans have been in default for over a year and they never sent me any documentation to let me know and now the turn my credit score down to XXXX and I have no idea that I could get that low. So now I ca n't even get a loan to get an apartment so I can get my own place. I think because they defraud me of my education in the classes were so poorly managed that they should just eat the loans that they have for me and wife might get out of my student loans completely. Oh yeah I went to XXXX XXXX by the way

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2015 I XXXX XXXX XXXX call Bank of America N.A . to follow up answer the Bank of America N.A..They supposed provided to CFPB when they ask for extension which they never answer to CFPB. 
The outcome was that in the follow day XX/XX/2015 Bank of America officer call me and refused to provided her name and she advice The Bank of America N.A . or any affiliated or subsidiary was not related to this case at all and they do n't have any type of interest in the residential located XXXX XXXX XXXX ; XXXX, XXXX XXXX, in controversial of a paper Motion To Amend Final Summary Judgment Of Foreclosure And Rescheduled Foreclosure Sale file in XXXX County Judicial Court at XX/XX/2015. 
I requesting to CFPB to reopen in to demands answers for Bank of America , N.A . 
I want to received the respond true United State Postal service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 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: NJ

Complaint narrative:
I deposited a check into my Bank of America personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Bank of America and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned.

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 2017-03-13 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: LA

Complaint narrative:
I am currently enrolled in school and working on building my credit. My loan is now deferred, but I have several missed payments being reported on my credit report that is dropping my score. How can I have these remarks removed now that my accounts are current and may have been reported incorrectly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient is applying portions of my private student loan payments to each of my loans, with less money going to my highest interest loans, and more money going to my lowest interest loans, automatically. 

Also, they make it virtually impossible to deal with any issue. I have called tonight about this issue to get it resolved and spoken to XXXX different people and been on the phone for XXXXminutes. You are sent to the XXXX or XXXX, back to the U.S. and then to 2-3 people at least. It seems that they have intentionally structured their contact with customers in a way that makes it really difficult to make any changes to the account ( e.g. adjust payments so that they go to the highest interest loans before the lowest interest loans ) or to get answers from anyone. No one person can handle all of your issues. You have to be shuttled from one person to another and they will not interact via email, except statements and other generic emails. I have spoken to no fewer than XXXX people ( in and outside the country ) and have now just completed a XXXX minute call to get this resolved. Still, the issue is not resolved and they have to have someone call me back. They compartmentalize handling of any one particular issue so that their employees can not possibly see or find any issue with they way they do business because they ca n't possibly understand the big picture, as they only see XXXX small piece of it. 

Has anyone else had this issue concerning allocation of payments to lowest interest loans first? or had a similar issue with how they have constructed their customer interactions?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a letter on XXXX XXXX, 2015 from Jefferson Capital dated XXXX XXXX, 2015 ( attached ). 

On XXXX XXXX, 2015 I mailed a certified letter ( attached ) via USPS certified mail ( attached- received XXXX XXXX, 2015 ) disputing the validity of this debt and requesting validation as I do not agree I owe this debt. My requests are very clear and very legal. 

Jefferson has failed to provide me ANY documentation like requested in my certified letter ( which we have proof they received within the 30-day notice ) yet have tarnished my credit by falsely reporting this information to the credit bureaus. 

Because they have violated by rights by improper reporting/ defamation and disregard to my right of validation and dispute, I am requesting immediate removal of this item from my credit reports.

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