vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-10 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: OH

Complaint narrative:
My loan is in default but not by my fault. Navient is horrible. They were taking my loans out whenever they felt like it, up to 4 days before the date I had chosen with the original loan holder. It was causing all kinds of hardships like overdrafting my bank account. I contacted my bank and told them Navient was not abiding by the original agreement I had with my school loan lender. I never made any sort of agreement with Navient. It turns out that Navient had no right to be taking anything out of my checking so my bank stopped allowing the payments. I 've tried to contact Navient but they never email back. I do n't have a phone. They send mail to the incorrect address. An address that I have never lived at or provided to them or anyone. A family member owns the house and just send everything back return to sender. I 'm currently in bankruptcy due to my school loans that I have paid on time for the last 13 years, never missing a payment until now. The payments I was making is well above 15 % of my income. My bankruptcy lawyer just tells me it will cost me more to dispute my loans than to just pay them. I do n't have any money at all. My lawyer says it will cost me thousands extra to go to a separate court to dispute the loans and it 's too hard to prove. My lawyer is just plain lazy. What can I do to get them included in my bankruptcy? 
Is there anything I can to since my lawyer wo n't do anything or even advise me? 
Also, Navient has no right to be sending mail to an address that I do n't live at, never have and the person is angry for mail being sent there. I have never provided Navient or anyone else of that address. 
Now I am received phone calls to numbers that were never provided to Navient or to anyone else. I received 4 calls in 5 minutes. They broke a privacy law by calling my cell. I never gave this number to anyone at anytime. XXXX also agreed that a privacy law was broken and would like to know how they obtained the cell numbers as it was not public record. Both numbers are on the donotcall registry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Tuesday XXXX XXXX I spoke with a representative of B of A because I had a loan modification application in process, or so I believed but on Monday XXXX XXXX, 2016 we received a certified letter, ( which my daughter had signed for the previous week because we we were out of country and returned XXXX/XXXX/16 ), stating letter of intent to accelerate loan. The representative informed me that our loan modification had been denied in XX/XX/XXXX, XX/XX/XXXX, and that this letter is sent to bring loan current or foreclosure proceedings would be filed. I explained to the B of A representative that i had spoken to account manager in XX/XX/XXXX regarding loan modification and was told the status was still being reviewed/ no decision! B of A representative could not explain why we were told it was still in process when it had been denied. Per the B of A representative one of the reasons we were denied for loan modification is that loan was not delinquent, but the fact is it was, which letter of Intent certainly confirms. There was one other reason which had to do with our income being too high ... and that was just shocking because my husband and I can both testify to the fact that we live month to month on our income, very, very, VERY modestly. The B of A representative recommended I contact XXXX XXXX ( not sure of spelling ) XXXX. XXXX is the supervisor of the Account Manager 's. I had complained that none of the Account Manager 's I had spoken to, assigned to our loan modification, could answer any of my questions regarding income, declination, etc. So on the advise of B of A representative I left an urgent voice mail for XXXX on XXXX/XXXX/16 and p another 2 urgent voice mail messages on XXXX/XXXX/16. I never received a return call, not to either of our contact phone numbers. My voice mail messages were very specific, matter was urgent, regarding loan modification declination, reasons for decline, and needed explanation. I gave all our loan information, number, etc. 
There was no message on XXXX 's voice mail saying he was out of office, that he would not be returning calls, etc. I think that it is outrageous that someone in his position would ignore urgent calls for 2 days. In fact I think that should be illegal in banking. 
I feel that the only way I get some one to return my calls is to file formal complaints ... and that is a very bad reflection on B of A and staff. 

All of this can be verified by phone calls since every phone call that I have made has been recorded per a representative and then there are the voice mail messages left on XXXX 's extension.

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: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello. 

The story here might sound strange. This credit card was never opened by my permission, and i have never opened or ordered to open any credit card from Bank Of America. 

When i first saw a charge on my account from the credit card company i went to the bank to ask about it and i have been told they will take care of it. Month later i saw charge again and i went again to the bank. This time i did n't have money in the account enough to cover the charge so i have been charged also for negative balance fee. 

This happened 4 times in a raw and i did n't want to pay the balance because i was n't the XXXX who made the mistake. They ruined my credit and i could n't get car or loan or any normal service from anyone that asked for my social security number. 

Today i want to take care of this issue completely. I need your help please. 

Thank you, 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 2015-09-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
Me and my wife have a mortgage with XXXX, this organization choses Seterus Inc. to collect the monthly mortgage on its behalf. After I have lost my job for about a year, I was going to lose my house. Thank XXXX I found a new job back to XXXX last year and I started making payment to Seterus until I saved my home from foreclosure. Seterus had me and my wife signed a new agreement by taking us from 2 % interest to 4.5 % rate. We have accepted. However, We got surprised that from {$2300.00} per month, only {$230.00} was applied to the principal and it is been going this way from XX/XX/XXXX until now. The principal was {$380000.00} jumped to {$390000.00}, and after 9 months of payment on time, the principal is {$380000.00}??? 
We are working hard me and my wife trying to save our home, but the way Seterus is acting toward our situation is not helpful and needs to be adjusted. Since XX/XX/XXXX we have paid toward {$410000.00} the amount of {$250000.00} and we still showing {$380000.00} as the principal of the loan??? 
Please we need help, what should we do? Thank you. 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I am being charged XXXX plus dollars for a XXXX sample. I have asked for a itemized bill and they never send it. It XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: OH

Complaint narrative:
Signed up for an income driven repayment plan but was not told that I had to pay my late fees first before I could start the plan. I asked numerous times if my payment would be the agreed upon amount and was assured everytime it would be. When the bill came due, it was {$80.00} higher because of the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I consulted with HUD counselor in XXXX 2015 regarding options to lower my mortgage payment. In XXXX I received a letter dated XXXX/XXXX/15 from Bank of America ; stating that XXXX XXXX would be my dedicated Customer Relationship Manager. I then received letter dated XXXX XXXX, 2015 congratulating me on being approved for Trial Period Plan, but I would have to return signed trial period plan and requested documents. I did not sign Trial Period Plan, nor did I submit requested documents, as I did not want to move forward with the modification or Trial Period Plan. In XXXX 2015 I spoke with XXXX XXXX directly ; letting her know that I did not want the modification, as is it would add time onto my mortgage. She stated, " it is already in the works ''. When I questioned how this was possible without my signature, she responded, " we assumed you wanted to move forward ''. I have continued paying my regular mortgage payments, yet there is a code on my account which delays the payment from being applied directly and results in reversals of late fees and unapplied funds. It appears my account is in the Trial Period Plan, although I did not sign or provide documentation requested to move forward with the modification trial period plan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am requesting that you remove the negative reporting on my credit report from lender XXXX. It has been over 7 yrs and they also in correctly reported that I was 120 delinquent on my account when the account was placed on hold due to being in school full time. Please remove from my credit report should not have been reported in the first place. 
Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 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 am in the process of purchasing a home. I am actually in escrow. My credit was pulled XX/XX/XXXX and I was suppose to sign docs today until this company placed an unknown account on my credit. 
I was never contacted by them via phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I bought new house in XXXX, TX area. I and my family were excited for our first home. We were looking around for good lender with great rate. Bank of America is XXXX of them. they come up with plan mentioning that you are eligible for physicIan loan with 3.75 % apr AND You do not need to set up any escrow account for it. I asked their agent-XXXX XXXX multiple times that are you sure that I do not have to set up escrow account? She answered me that I am 1000 percentage sure you do not have to set up escrow account with 10 percentage down. There are few lenders who were providing me similar rate with XXXX loan with no set up of escrow account. XXXX was so aggressive that we will give you best service and everytime my question was similar that are you sure that I do n't have to set up escrow and she is saying that I am very sure. We decided to go with Bank of America looking at her confidence and promise. She sent me closing cost work sheet/good faith estimate without any escrow account as well. I can show to prove her promise. meanwhile, I provided lot of documents for my loans in timely manner whatever processor and underwriter was requesting. There was only 4 working business days remain for closing and she came up on XXXX/XXXX/2015 late afternoon mentioning that we have to now set up escrow account. I made mistake and please forgive me. I was really upset because not setting up escrow account was only reason to go with bank of America. There are other lender providing same rate loan with out escrow. I was really anxious because only 1 wk remained for my closing. I felt cheated as customer by end of day. I can not understand that loan went through different stages before final approval and nobody noticed or informed me about escrow thing until last moment when only 4 days remained so I can not go any where. I would never go with Bank of America if I am aware about that I had to set up escrow. I had different options for not setting up escrow for home loan. I ended up paying additional XXXX for escrow account and now monthly payment that I was not ready for it. I would totally consider it as a fraud and cheating to customer. I believe that it is customer right to get correct information about product whenever they are buying something. INFORM CUSTOMER ABOUT SURPRISE WHEN THEY CAN NOT DO ANYTHING THAT IS MOTTO OF BANK OF AMERICA. 

please help me out with this matter so no one else can get fooled/cheated by them.

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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient consistently misstates the amount due on my student loan, calls constantly including after XXXX XXXX, and sends emails stating my account is past due for days after my payment has been made electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am going through financial difficulties and requested a modification for my XXXX loan on XX/XX/2016. My services/lender, Bank of America, acknowledged receiving paperwork but then did not do anything to process it. I try calling once a week to check the status update and I was told that it is still in process. in fact, they never processed my paperwork instead, they gave me a repayment plan which was ridiculously unaffordable for 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 2015-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have been actively filing loan modifications with B of A sinceXXXX. I am a XXXX Veteran and I did use my VA certificateto secure my home in XXXX. My home was finance thruCountry Wide before B of A bought my loan. B of A didservice my home for foreclosure while I was serving in theXXXX XXXX about XXXX XXXX and the loan was noteven 2 months behind. I came home in XXXX XXXX andrequested another loan modification but no response soI obtained an attorney. My attorney did respond to B ofA and requested all correspondence concerning my homebe sent to them and they were actively involved with myloan modification. In early XXXX I was notified by areal-estate agent that my home was listed for foreclosureand public auction. No XXXX service me or my attorney. Theforeclosure was listed in the local newspaper. This wasnews to me and my attorney since we both had no ideaand was actively involve with a loan modification at thetime. I have since been working with Attorney Generaloffice in Florida. I was given guidance from the AG tofile this complaint with CFPB along with their inquireabout my case. I have been told my request formodification has been denied for reasons such as '' I was not living in the home and it is a VA require-ment '' which is not true, " insufficient income '', mycurrent husband signed a form stating he wouldcontribute {$1500.00} additional income to my household to help cover the cost and the list goes on. 
I am currently enrolled in a XXXX programwith the XXXX VA and is receivingtreatment. My condition is described as " XXXX '' at this time but with support from my husbandand adult children I am trying to do what isnecessary to keep my home. I am filing thiscomplaint because I too believe I am a victimof " dual tracking '' with B of A. They are notowning up to their constant mistakes. I don'tunderstand why they will not work with me tohelp me keep my home vice foreclosing. I amnot trying to run from my responsibility of payingfor my home. I just need help with lowering the payment so I can afford it. Is that too much to ask for? 
B of A pulled back the foreclosure because they justrealized we were working on a loan modification with mebut recently filed a petition in court another foreclosure. 
I have no other option but to file bankruptcy to keepmy home. This not fair to me the consumer because allI wanted was a lower payment.

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

Complaint narrative:
I attended XXXX in XX/XX/2009 I believe and was told if the money is used for school I will not have to repay. I only received one check for {$1100.00} the rest the school kept. I only applied for grants as well & I did n't think those had to be paid back. As far as XXXX College online, I was told the cost of my schooling would be {$9000.00}, I never once received a check from them, I applied for student grants and was approved, so I am not sure why my student loans are so high. Please help me understand. This has gone on entirely too long. They are taking advantage of less fortunate individuals and it is not right. I just want to be able to provide for my family as everyone else does. Being on welfare is not an option and I do n't want my family to think that is the only way to survive either. Justice needs to be present for all individuals no matter the race.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The financial burden of my student loans are to large for me to handle and I am unable to negotiate other options like forgiveness plans or bankruptcy. I have had to postpone life choices like marriage and children due to these burdens. I have a good paying job and still unable to live within my means. This form of indentured servitude is unethical in our society.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I just wan na start with saying I am upset on how the Bank of America customer service rep treated me over the phone when I called to try to get my {$210.00} back from a charge I never authorized to be made! I hate doing these claims, but when I know I was done wrong I would like my bank to have my back, and best interest! I am old and do n't have a lot of money and live day to day. XXXX took money from my account I did not authorize, and theyou could n't do anything for me, so they told me to call my bank and they should help me, but all I been getting is a runique around. They call me from a claims Center, and I call back no later then 10 min and nobody answers or calls back!! How 's does that work then! I love Bank Of America, and just want them to reimburse me my money plz. By this happening I went negative and my rent is not paid.

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 2016-11-23 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: DC

Complaint narrative:
I mistakenly submitted 4 transactions to my bank account which were denied after my job delayed an expense reimbursement. Not only did they charge me excessive overdraft and finance fees 14 times ( as of now ) for the 4 charges, they would then attempt to withdraw the charge again, causing overdraft and finance fees to multiply. This occurred with a XXXX credit charge of XXXX, a student loan of {$160.00} on XX/XX/XXXX, XXXX of {$61.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. This is predatory and it caused a downward spiral that I was just able to get out of. Had I not had the resources to climb out, I could have been bankrupted.

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 2017-01-19 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: FL

Complaint narrative:
I called to get help lowering my payment because one, I have n't finished my degree and two I was unemployed and had a baby. All times they told me to fill out a forbearance letter. Thus adding more interest and higher payments. This happened more than twice. I was not informed of other options. Now I am left with more interest and higher payments.

Company response to consumer: Closed with explanation