vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In the past 7 years I have been submitting the same paperwork in order to get a modification and an assumption. I have been thru XXXX employees and now im in foreclosure, however, I just got a notice that there are documents I need for the assumption,,, But I got served with foreclosure paperwork, I am a veteran and they have ignored my certificate of eligibility to make it a guaranteed va mortgage,, I do n't know what to do, but I plan to protest at their headquarters to get my message across

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt is on my credit report and I would like to dispute this matter. The account is Jefferson Capital SY - XXXX XXXX for the amount {$2600.00}. Please help me fix this. My email is XXXXXXXXXXXX. Phone number XXXX. Thank you. 

XXXX XXXX XXXX

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 2017-01-19 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:
I was just approved by Navient to consolidate my student loan through them. I have not made a payment as of yet. My first payment is XXXX XXXX. In my initial letter was not clear to me as to what I am originally suppose to pay monthly. I had to call and speak with a representative. They said a payment option letter will be sent to me and was never received. At the same time the representative still did not take the time out to explain the breakdown of my repayment. I was also advised that if i was the monthly payment was not feasible they can go by income to lower my payments. However, I was told by a representative I have to make 3 monthly payments first before they can lower the payments. I received nothing in writing about that option. Today I see online that the Federal government is suing Navient for over repayment and cheating borrowers out of their repayment rights. I do not want fall victim of paying more than what I should be paying and dishonesty in repayment. No one, such as myself, wants to be cheated on with money they give to a lender just to have their hard own money be thrown by the waste side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I paid on a {$17000.00} loan for 11 years, and when I got divorced and was not get my mail my account was put into a program. I paid {$200.00} a month for a year then they add {$4500.00} to the balance to reinstate the loan. I Had to pay child support so I had go into forbearance for 4-5 years before I was offer income based repayment which I have been in for two years now. My loan is now over {$50000.00} which is 3x my original loan which I had paid on for 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: NJ

Complaint narrative:
I keep paying navient. I even put it on automatic pay and they are always telling me I am late

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
On XXXX XXXX 2015 a sales rep from XXXX XXXX named XXXX XXXX came to my XXXX XXXX year old father 's home and convinced him that he would benefit from a solar installation. The next day I reviewed the contract he had my father sign and decided to exercise the cancellation clause that day. My father was unaware that the papers he signed would allow them to open a {$40000.00} dollar line of credit with Green Sky Credit. They advanced {$5000.00} on this new credit card. We have been trying to reverse the {$5000.00} credit for months now. I have requested multiple time 's to correct this. I am hopeful this week on XXXX/XXXX/15 almost 6 months later I will resolve this. But we could use some help as it keeps lingering with no resolve.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I currently have XXXX private student loans being processed by Navient totaling XXXX. 
I have been on XXXX as of XX/XX/XXXX. I receive a total of XXXX a month in XXXX insurance. I currently pay private Medicare Advantage insurance of XXXX a month. I have attempted four times to seek financial forgiveness of my loans under the Total and Permanent Disability Act with Navient. Navient has forgiven XXXX of my loans for which I have attached documentation of along with my original diagnosis from my XXXX. 

Navient 's claim for not honoring the Total and Permanent Disability Act is that the current existing loans are not eligible for the TPD program without stating any reason why this is the case of their claim nor providing requested documentation showing proof of their claim. 
It is my understanding after talking with several persons at Navient that it is up to their " private discretion '' as to honoring forgiveness of my loans under the TPD act. 

I am reaching out for any assistance as to the veracity of their claim under my medical and financial circumstances. 

Thank you for your attention to this matter. 
XXXX p. XXXX e. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is my complaint I sent Bank of America : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with " credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how BOA conducts business regarding my concern.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
For several months now, Bank of America which holds my mortgage has been promising to get me a loan modification. For several months I have provided all the numerous documents they have asked for. Still week after week, I have received more packages from them which is now a big pile of paper. Until I decided to hire a lawyer to help me out. Even with the law firm being involved they have been dragging their feet and even though the last person for my file who was the XXXX person to be in touch with me told me weeks ago that they will have an answer for me in a few days, told me today that they needed two more documents. It is my belief that BOA was never interested to help me out or get me a loan modification. I have paid more than XXXX XXXX dollars to them and still owe XXXX XXXX!! without owning a single brick of my only asset in life. Now I got a letter from a different loan company that BOA has actually sold my loan to them. So I have to start all over again. This is the most unprofessional and unethical company I have dealt with. Not only they were not honest in their dealings, they basically lied to me. Please advise me what to do. I am behind my payments but I do n't want to lose my house. It is the only asset I have. I also have a son with XXXX. I have to spend all my time and energy and money on him. BOA is not an honest broker. 

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 2017-01-19 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:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, XXXX, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. Something needs to be done about these predators.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I received a letter letting me know that the interest-only payment plan I 've been paying for XXXX years would be ending XX/XX/2017. The letter stated that if I was going to have trouble making the new, higher payments, to contact Navient to discuss the repayment plans. The letter states that an alternative payment plan could help me lower my monthly payment. When I contacted Navient I was transferred to XXXX different representatives. The first woman discussed a payment plan with me, but said she had to transfer me to collections. That representative said she was n't sure why I was transferred to her and transferred me to a man who told me that he had no idea what repayment plan the first representative was talking about and that I actually do n't qualify for any reduced payment plans. He stated that I would have to continue paying the standard amount because I do not qualify, so I 'm confused as to why I even got the letter in the first place and why one person did n't know what the next person was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was given a equity loan 10 and a half years ago were I was to pay interest only. I have done this on time for all this time. The bank half a year ago told me I was after the 10 years to pay them principle and the interest. I am willing to do this but the principle they want me to pay is much more my wife and I can afford. We are in our XXXX and live on social security and a part time job. After talking to a government foundation who tried to help us for over 4 months they the foundation told us we should file bankrupty before the bank as treatened foreclosure on our home for over 35 years. Please help.

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: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
b of a botched my refi. they dragged it on for months, claiming issue was name change. when we went to closing, name not changed, bad number given for contact, rates had gotten lower. they variously spammed me with email I did not want, refusing to stop, yet refused to provide contact email for the responsible parties/ refused to respond to email. their customer service is terrible. I have asked them to fix the rate and/ or refund fees, which they did not earn based on the terrible experience with refi. they refuse to be held accountable. innumerable phone calls, emails, faxes, letter, withholding payment have not led to resolution. they unilaterally instated escrow against my express wishes to the contrary. they refuse to be held accountable

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 2016-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America N.A . is the servicer of my mortgage. A year ago I removed my ex-wifes name from my mortgage using a qualified assumption through Bank of America. Ever since the qualified assumption has been performed, I have been locked out of being able to access my mortgage via online resources. I have a savings account, checking account, and mortgage through Bank of America, and before the assumption, all my accounts were linked through my overview page and could be access from XXXX spot. Now every time I try to access my mortgage I get an error message that states " Due to a technical issue, we are temporarily unable to display Qualified Assumption loan details in Online Banking. Your monthly statements and your annual tax statement will be issued via XXXX mail and payments can be made via the banking center, over the phone or mailed in. We apologize for any inconvenience this may have caused. Please call XXXX for account information. '' I have called Bank of America multiple times to try and resolve this issue. Every time, I spend hours on the phone, get bounced around from department to department, and ultimately am just told " This is because an assumption was done. Give it a few months, you will have access again. '' I still am not able to access my mortgage account via my online banking center, and I realize this might be viewed as a minor inconvenience, but it is deny me my access to the information regarding MY home loan, and I now have to rely fully on the US postal service for my payment options. If for any reason my payment check should get " lost in the mail, '' I am unable to just log into my account and pay my mortgage as I used to be able to do. 

I feel silly turning to a regulatory agency to try and resolve such a simple issue, but I have been given the runaround by Bank of America numerous times, and have wasted hours of my time talking to various agents and departments with no resolution yet. A mortgage is a VERY serious financial decision and it is very disheartening to see that the very large banking institute that is in charge of my financial future can not even fix a SIMPLE problem and restore my online access to my 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 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On Friday XXXX XXXX my identity was stolen my bank account information my debit card information my social security number birth certificate was stolen as well. I contacted police made a police report to .I also contacted my bank bank of America on Saturday XXXX XXXX I went in to banking center to close my account as well the bank gave me the money back then they took it back stating it 's not fraud I have a police report to prove it 's fraud which I fax to the bank bank of America is not trying to help me at all I 'm being treated like the criminal instead of the victim since banking with bank of America I have been a victim of fraud on several occasions my information has been stolen in the past from using public library computers please help me I will mail you the police report

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 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX I took a loan for {$8000.00} from XXXX XXXX to cover the remainder of my college tuition that my federal aid and family contribution did not cover. At some point the servicer changed to Navient. Over the course of time I was unemployed in XXXX once and could not afford to make payments on my account. I recall calling customer service and asking for a forbearance and I was told that it was not a federal loan and therefore I did not qualify. That I could pay {$50.00} to apply for a partial forbearance and I could just make payments towards the interest or something. I was worried about all of this impacting my credit score so I agreed to do whatever was necessary to keep the account in good standing. Over the years the loan literally doubled. The balance is now over {$16000.00} as of XXXX and I have been making a payment of {$200.00} for as long as I can remember each month. I called customer service some time again to ask why my loan had gone up so much and the answer was unclear and confusing. At this point I calculated what I would be paying for the {$8000.00} I borrowed as a college student by the estimated loan payoff ( XXXX ) and it 's close to {$75000.00}. The customer service reps have not been helpful over the years explaining my concerns or answering questions I have. They have not offered much help towards making my payment more affordable or how to get a handle of paying off this loan affordably and in a reasonable time frame. Please offer any suggestions and or help you can. I feel quite helpless and frustrated and regret ever taking out a loan with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
When I lost my job, I contacted Navient to ask for a forbearance and was told that there were no options available to me. I graduated from XXXX in XXXX. Unfortunately, I had requested a forbearance when I did not XXXX on the first attempt and had requested a forbearance again when unemployed in XXXX. According to Navient, I exceeded available forbearances and they would pursue collections against my co-signor who is now retired and on limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am going through a divorce with XXXX XXXX XXXX, XX/XX/XXXX, address is XXXX XXXX XXXX XXXX, XXXX, WV XXXX. XXXX XXXX has used my cc to charge multiple services on my XXXX Credit Cards, for ex : Instant XXXX. He has created multiple email addresses to obtain information from my credit cards and/or credit report. The email addresses being used are XXXX # XXXX, with my name being XXXX XXXX, Also, there is XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. XXXX XXXX has been letting XXXX XXXX XXXX XXXX, DOB - XX/XX/XXXX ( my sister ) and XXXX XXXX XXXX ( my cousin ) use my ss # in order to obtain Credit cards for their personal use. This activity has been going on since XX/XX/XXXX until current. XXXX XXXX has been doing it longer. Please help me, I feel my credit is being destroyed. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I do not have a email, due to. XXXX XXXX hacking into them ... You may try and use XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i refinanced my mortgage on XXXX XXXX with Bank of America and i was told yesterday for XXXX of the banks when i was trying to get my principal reduction that my mortgage was miss handled by Bank of America. Even though when i tried to do my loan modification Bank of America told me i do n't qualify. Now my mortgage was transferred to XXXX in XX/XX/XXXX. I am in a trial payment with XXXX and i prequalify for the loan modification vs when I tried to do with Bank of America they told me I do n't qualify. 
I would like to have my loan review by the consumer finance. I have all the documents when i refinanced my mortgage with Bank America in XX/XX/XXXX. By the way my investor is XXXX XXXX XXXX XXXXXXXXXXXX

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: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was unable to pay my loans secondary to financial hardship. So every time I would call navient the first thing they told me was to forebear my loans. I was never informed that interest unpaid would be capitalized. I have been paying on my loans for 3 years now and yet my balance is higher then what it was when i graduated college. It is very misleading information when talking to representatives. They always tell you, if you cant make a payment to just file a forebearance and make the payments in a couple months when you have the money. What they dont tell you is that the interest you dont pay capitalizes and you end up paying 10x more the money in the long term. Navient has never offered me any other option into repaying my student loans. The least they could of told me was that i should still make some type of payment contributed to my loans.

Company response to consumer: Closed with explanation