vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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: IN

Complaint narrative:
For years my private student loan debt through, what was XXXX XXXX, Navient has been nothing but a floating burden in my life. I have watched my interest accumulate through time. I have XXXX loan that started as {$17000.00} and is now double because of interest and fees. I am drowning. I have XXXX loans through Navient now. I have asked repeatedly for statements and explanations of fees from start to finish and have been told they can not do that for me My parents are cosigners on XXXX loan and my parents have even asked for these said documents. Then I went into repayment in the middle of a divorce. My ex put me into default and until the divorce was over I asked what I could do to lowere my payment because I could not afford the payments on my own. I was told to forbear the XXXX XXXX times I called to figure somethign out in the mean time. I was never told about IBR each of these times. The first time I asked them abotu it and was told that was not an option for my loans. Then I paid XXXX or XXXX forbearances, I utilized all of them, and I was then approached with being able to do IBR at 1 % interest for a year. This whole time I was asking why this was not an option for me and I could not get XXXX answer. So here I am paying out {$240.00} a month in student loan debt with no statements or beginning of time documentation. So I have not clue what I am paying. I just have a monthly total and a deadline in # of months. How is this legal? They should have the original note when my loans where sold to XXXX XXXX. Also, how can a lender not provide documents per loan on how my loans got so high? This is a total scam and my life 's nightmare! Right now my loans are double what I originally took out! I am a single mom now of XXXX. I make {$12.00} and hour and have $ XXXX in student loan debt. I will never make anything more then maybe $ XXXX. the rest of my life due to life changes. This will forever be my struggle. My Government loans have gone smoothly. I file IBR every year and they will be wrote off. But I will forever have my $ XXXX private debt!!! Someone needs to do something about these scammers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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:
In 2014 I lost my 8 year job as a XXXX XXXX XXXX due to no longer being able to do the job because of XXXX. I also have a XXXX that also limits the types of jobs that I can do. In subsequently was found eligible for XXXX and XXXX is now my sole source of income. Since going on XXXX I can no longer make payments on my student loans and other debts and have had to file bankruptcy. I requested that both lenders ( Navient, and XXXX XXXX ) for my XXXX student loans consider discharging the debt because of the XXXX. Neither will do so, and both essentially state that there is no arrangements that they are willing to make. All XXXX loans were made for education at XXXX XXXX XXXX XXXX. As I understand it all XXXX loans are technically dischargeable in a Chapter XXXX bankruptcy because XXXX XXXX School of XXXX is not a Title IV institution, which means that the loans were not made for a " Qualified Education Expense ''. But apparently, according to my current bankruptcy attorney, they ca n't be discharged without an " Adversary Proceeding '' against both lenders which would essentially cost thousands of dollars, to discharge about {$110000.00} in debt. This is something that I do not have the money to do. As it is I am having to make payments to the Bankruptcy attorney just to do the chapter XXXX filing. Finally, in addition to the financial issues I have informed both lenders of the impending bankruptcy filing, and directed that they not call me regarding the debts and provided them with my attorney 's contact information. Despite this XXXX via their collection agency ( Concentrix ( not sure that is correct spelling of the company name ) ) keeps calling daily. I have repeatedly informed them of the bankruptcy and that they were instructed not to call and have even threatened complaints, yet they continually call. So I am writing the CFPB for assistance in XXXX areas. First, and foremost, I am requesting assistance in reaching a resolution with Navient and XXXX regarding my student loan debts. Second, I am requesting assistance in getting XXXX to stop calling. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Multiple instances of merchants conducting unauthorized billing against my Bank of America bank account. Reported claim to Bank of America. Have not received all claim documents in the mail. Unable to complete form online. Completed some documents via mail. Bank of America should resolve complaints and allow me to certify claims online. Their online claims certification tool is not working. Please ensure all documents that need to be completed have been sent. Undue burden of pursuing claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I am requesting with great dissolution, pain an anger a review of my financial documents for a work out plan that would be affordable.. I am XXXX and my hardship began XX/XX/XXXX when th e economic became horrific. The economy faltered and my business fell. This was the beginning of our struggles. The reduction of income and increased expenses. In the midst of the economy downfall our property taxes went up adding to our expenses. Shortly after I was XXXX. I was no longer able to perform to my job capacity after the accident as a XXXX. I am now recuperating and business is increasing slowly. 
Our mortgage is upside down, the values around have taken from when we bought our property. Refinancing was and at this point is not an option. We have taken distinct steps to better our financial situation. We 've cut back our household budget, eliminating some debs and no credit cards. We heve provided to Caliber homes our financial documents asking for a modification with no success. We have just found out that our house has a sale day of XX/XX/XXXX. I am devastated it and asking for your assistance I want to maintain my home. It is not a palace but is the home that my wife and I have struggled for. All we are asking Caliber is to extended the terms, lowering the rate and adjust the principal balance will make our home definitely affordable and sustainable. 
I hope, you all consider my request. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Its has been eight years since i have attended XXXX College XXXX and have had multiple conversations with XXXX XXXX Navient now XXXX XXXX XXXX XXXX who is now the " middle man '' between myself and XXXX XXXX . After agreeing to pay back XXXX $ a month for the foreseeable future i was on my way. I have made about 11 payments in a row with out any problem until my current job ( XXXX XXXX and XXXX XXXX ) did n't pay me for the work i have done. I have not been paid in a month. The situation did n't improve and i had to apply for unemployment. I called my XXXX XXXX stating the situation and they advised me on my options and were helpful explaining Deferment and income based repayment. XXXX XXXX were less then helpful. XXXX XXXX XXXX XXXX explained that they would talk with XXXX XXXX Navient on my behalf to help me in my situation. I was accepted in the interest program with XXXX XXXX XXXX and if i didnt pay they would kick me out. So i received a phone call from my representative from XXXX XXXX XXXX saying that i can stay in the program but have to pay XXXX dollars a month just to stay afloat in the program but i will still be accruing interest. How is this fair that Navient can ask me from money that is technically the governments money? ( because i 'll have to pay it the government ) I barely making ends meet looking for work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a Bank of America account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called bank of america 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.

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 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I purchased a house in Massachusetts back in XXXX with Countrywide Bank in the amount of $ XXXX. In XXXX I could not afford my mortgage payments and the bank initiate a short sale process in my primary house. I tried to negotiate with BOA but the Bank did not want to make a fair agreement. My house was sold to a 3rd party for a half of the amount owed to BOA. 
Bank of America owned both mortgage by then. The house was sold in XXXX. In my perspective both loans will be cover by the sale. BOA never informed myself that I could have a deficient judgement against me. Few weeks a go a collection name XXXX XXXX XXXX XXXX contact me trying to collect an AMOUNT OF {$61000.00} saying that Bank of America transfer my 2nd Mortgage to them in XXXX XXXX. At this point the house was not even sold and I was living in the house. 
My complaint is : How come BOA sold this loan to a collection before the house was sold? 
Unfortunately I did not had any legal support in order to give me and my family orientation in regarding to remained balances of this mortgage. 
How came they want to came after myself with both loans was done when the house was purchased. 
Please help me to solve this situation. If this is true I would need to file for bankruptcy since I do not have the funds to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am Bank of America account holder who also has XXXX credit cards with Bank of America. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my BoA online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Bank of America credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Bank of America website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Bank of America as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with BoA that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on BoA customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15 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: OH

Complaint narrative:
I went to school back in XX/XX/2001, supposedly had taken out a loan for an amount that is unknown. Needless to say, now that loan amount is over {$150000.00}. I have tried since graduating to get setup on a feasible payment plan that I could afford and not once have been successful. I 've been summoned to court appearances on XXXX different occasions in regards to this obscene loan amount, which I had to hire a lawyer each time. The outcome all three occasions were in my favor, as to the judge not authorizing the " act of garnishment ''. I do n't remember all the technical terms but I know we were fighting for litigation laws, and the falsification of the loan amount and interest accrued. This has been haunting me for well over 15 years now, I never understood how/why they are still able to continuously report this on my credit and it 's been over-ruled by a judge. They constantly still harass me with phone calls and obscene requests of payment terms. Over the 15 years sometimes I 've been fortunate enough to catch a break from some nice employee that will place the loans in an outstanding forebearance term but once that 's over it goes right back to the ridiculous interest fees. I attended XXXX I used to ask them how much can I pay as far as payments and would also end up with this insane amount and then they would say, " that 's the lowest you can pay ''. So how am I supposed to live?! The amount they were asking for you 'd think I had a house note, car payment and my mothers monthly expenses all in XXXX. So basically unaffordable!! Please someone if you could take a look at my account and be a witness to this entirety that I 'm dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Being billed by a fitness center without a billing agreement. Bank of America did not respond to last complaint. Seeking the closure of both checking accounts in my name at Bank of America. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Bank of America is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.

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 2016-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have recurring bill payments being handled by Bank of America being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Bank of America since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Bank of America to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Bank of America are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18 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: NY

Complaint narrative:
Due to the lawsuit I want to make sure that I am not one of the customers that has gotten cheated because no matter how many payments I make to navient my balanced only tends to go up never down. I did at one point call to get enrolled in the program that would help me be able to pay baised on my income. Please help me figure this out. I first attended XXXX XXXX XXXX and now attend XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Bank of America holds my mortgage and I pay into an escrow account for my property taxes and homeowners insurance. My homeowners has now been cancelled for nonpayment, because Bank of America never paid the bills. When contacted B of A says my insurance company never sent a bill and that I can contact my company to send them a bill and it will be paid. However my insurance company will not reinstate my policy. My agent has searched for a new policy, but due to the cancellation can only find insurance in surplus lines which will cost almost {$2000.00} more than my original policy. I have the papers that show B of A was sent a bill along with later cancellation notices. How could Bank of America know to send me notice that my insurance had been cancelled if Bank of America never received anything from my insurance carrier. Plus I have enclosed the original bill that was sent to Bank of America. I want B of A to pay the difference on my homeowners insurance as they caused my dilemma. It is ridiculous to think this company can just say " oh we never got a bill '' and it relieves them of all responsibility. If I tried that with my mortgage payment I highly doubt B of A would just let me pay if and when I got a mortgage bill without repercussion. Bank of America needs to either pay for the surplus insurance line or they need to get my insurance company to reinstate my full policy at my original rate.

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 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The Bank of America, XXXX Missouri, charged to my checking banking account a fee for image of a check. For which I did not request and or authorize. This matter was raised recently with Bank of America. Again the same fee. Today, Bank of America, could not provide what employee of Bank of America made this decision without my request and or authorization.

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