vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I made arrangements with Navient to bring my account current and into forbearance. I made a payment of {$240.00} on XXXX XXXX and they stated that another payment would not be due until XXXX XXXX. On XXXX XXXX another payment for {$240.00} was taken out and they are saying it was done through the online payment method. I did not log into that account at any time around that date and did not make that payment. They have agreed to refund the payment within 6 to 10 business days but my account is now overdrawn and they do not want to cover the overdraft fees. Not only am I not able to make current bills because that account is overdrawn, when money does go into it there will be several overdraft fees that will take up that money. Not only am I paying over {$200.00} a month in interest and only a little over {$20.00} is coming off of the principal each month, I am now facing more loss of money because of their screw up. I live paycheck to paycheck it 's not like I can just transfer the money over to cover it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a XXXX XXXX on my and my husband credit I have called them I get transferred over and over spent hours on the phone just for them to tell me they will send me a bill to show me what it is for but it never comes. So it is on our credit as part of my bankruptcy when this was paid in full we were with this company for years. When I first went to XXXX years ago they told me my husband and son had the same name so my sons up grade got added to our account by mistake. The point is it is affecting my credit and I want it taken off.This is showing on all three bureaus on mine and my husband. I have no documents due to the fact it is so old.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
On or around XX/XX/XXXX, I open a checking account at HSBC Bank USA, XXXX. I opened this account online because there is not a HSBC local branch in the area where I live. I am writing CFPB because HSBC did not follow through with the offer they promised. HSBC promised to deposit a promotional bonus of {$350.00} into my account once certain conditions were met. There were XXXX options ; I chose to make 2 bill payments for three consecutive months to qualify for the offer. 
Twice in XX/XX/XXXX, I called HSBC to find out when I would receive the promotion. XXXX supervisors on two different occasions told me that I had met the conditions of the promotional and the funds would go into my account by XX/XX/XXXX. When XX/XX/XXXX past, the funds were not in my account, I called HSBC to find out why. I was told that since I had a credit card with them, I did not qualify for the promotion. HSBC never mentioned anything in the promotional material about having a credit card with them to qualify for the promotional bonus. They indicated that one could not have had a checking account with them within the past year ( they tried to use this excuse at first to deny my bonus ). I told HSBC employee that this was not true. HSBC never would have opened my account if I had an account with them within the past year. 
I am requesting that CFPB look into this matter. HSBC has reneged on its promise. This is an unethical act on the behalf of HSBC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-26 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: SC

Complaint narrative:
I was never notified that my interest rates increased for XXXX my loans near the end of last year. As such, my payments went up and I did n't know that until I just happened to look in the portal. Essentially, I could have been seen as delinquent on my loans if I had n't caught it due to the lack of communication from the loan servicer. As a side note, it is generally not a profitable practice to leave your borrowers in the dark about rate changes, it is advised that a form of electronic or paper communication be sent before the next pay date that the rate increase affects.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: MT

Complaint narrative:
I had to take out loans in order to attend school. I recently saw the following story on the XXXX. XXXX. This story states, " Navient, the nation 's largest student loan servicer -- and formerly part of XXXX XXXX -- was just hit with a federal lawsuit that alleges the company deceived borrowers to the tune of {$4.00} XXXX. Customers who took out student loans were hit with unnecessary interest payments, denied options to reduce their debt, and suffered damage to their credit scores, according to a lawsuit from the Consumer Financial Protection Bureau filed on Wednesday ... '' I feel I personally have been through this same situation with Navient. My loan was taken over by Navient in XX/XX/2009. The original balance was {$53000.00}. They asked me to make a payment of over $ XXXX/month. I explained to them repeatedly that I could not afford this payment. They told me I could fill out an income based repayment form which would bring my payment down to around $ XXXX/month. I told them this amount was not possible either. I have had XXXX children in daycare, XXXX dollars in medical bills and the other usuals of daily living. I simply did not and do not have the money. They tell me my only option is forbearance. They have refused to work with my on a payment. My current balance on my loans has now reached {$84000.00} because of interest. This is absurd to me. I will never be able to get this loan paid off if they do not work with me. I feel like it is a crime that they can so casually say that my only option is forbearance while they make nearly {$32000.00} in interest off my situation. I have told them repeatedly I do n't want to be in forbearance and I want to be paying on my loan but I need them to work with me. They refuse. What can I do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. 
I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.

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 non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
I received a mortgage from Primary Mortgage Residential, Inc sometime in XX/XX/2015. I made my first mortgage payment a couple of weeks latter which was not due until XX/XX/XXXX. They never applied the payment to my account. I noticed this 1 month after making the payment and asked them what happened and they said it will be applied. They sold the mortgage to XXXX XXXX and I still do not see the payment applied to my account. 

I do n't know where my money is and why it has not been applied.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am currently a consumer of Bank of America past 26 years. I am filing a XXXX complaint in regards to Bank of America who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Bank of America have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-24 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: WA

Complaint narrative:
I have been paying my student loans for 11 years. I was on Autopay and never missed a payment. About 1 year ago I lost my job. I now have no money while I am looking for a new job. XXXX of my lenders allowed me to deffer my loans as was the case when I graduated college. However XXXX XXXX now Navient has refused to grant me defferment and insists I pay them {$150.00} to deffer my loans for 3 months. I told them I have no money and did not pay. Navient has began harrassing me instantly by missing XXXX payment. I have received like XXXX calls from XXXX different numbers from XXXX to XXXX. This is plain rediculaous. What other business harrass people like this? I have no money to pay them and am now requesting all information be sent by mail. What are my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-01 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: NY

Complaint narrative:
My student loans are consolidate with Navient. I called Navient today to get more infomation regarding loan forgiveness and found out they previously gave me wrong information. I was previously told by Navient that after XXXX payments I would qualify for student loan forgiveness. Today, after XXXX payments I was told that that information I was given by them was incorrect and I must first consolidate with Direct Loans to qualify for the loan forgiveness. They offered no answer as to why I was previously given wrong information. What can I do?

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: PA

Complaint narrative:
I was working on getting my loan payment lowered. After reaching a number I had.to give my debit card number. Once I did that the employee had to play a recording about terms and conditions. Before that I heard him clearly laugh out loud to his coworkes and say I got him to use a debit card. This concerns me. When I confronted him about it he stumbled upon his words before making some excuse up about its less paper work since its a debit vard and he was happy about that. I am worried he directed into some payment plan that will hurt me instead of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
RE : Additional Fees in amount $ 250.00Time and time again I am continuously filing a complaint again BANK OF AMERICA HOME LOANS. 
I am fortunate enough to have an outstanding program like SAVE THE DREAM to nurture my frustration ; however BANK OF AMERICA is continuously trying to abuse the system. I was informed by my counselor ( XXXX XXXX ) at working in our neighborhood that I must monitor all payments. Before applying for service I was informed that working in our neighborhood/Save the Dream would contact my mortgage lender ( Bank of America ), for the total amount including attorney fees, pass due fees etc. This would have me current and up to date on payments! WELL THAT IS NOT THE CASE! Bank of America provided the total dollar amount to Save the Dream to have me current in the amount of {$17000.00}, for XX/XX/XXXX, however Save the dream was billed {$18000.00} which was paid to Bank of America. I received an additional statement from Bank of America for the month of XX/XX/XXXX in the amount of {$1400.00}. The XXXX prior payments have the following : Additional Charges Overdue payments, fees and charges for XX/XX/XXXX {$330.00}, XX/XX/XXXX {$330.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, XX/XX/XXXX {$250.00}, and XX/XX/XXXX for {$250.00}. 

When I notified Bank of America customer service department transferred me to their foreclosure department who informed me that those additional fees are for attorney fees, foreclosure fees etc. I informed her that those fees were included in the payoff amount to get me current. Needless to say nothing was resolved! I believe that BANK AMERICA is abusing the system/program and need to beinvestigated. The following document is my current mortgage statement. Also I have listed some of my current complaint claim number below : Attorney General # XXXX ( Fiscal XX/XX/XXXX ) Federal Trade Commission CLAIM # XXXX Attorney General claim against Countrywide Home Loan XXXX # XXXX Consumer Financial Protection Bureau Case # XXXX Federal Trade CommissionXX/XX/XXXXI called Bank of America because I did not receive my XX/XX/XXXX statement, however they informed me that XXXX payment has been made and my next payment is not due until XXXX XXXX, 2015. I informed XXXX at Bank of America that I still would like my XX/XX/XXXX statement. I called Save the Dream and spoke with XXXX who informed me that they have made my payment to Bank of America in the amount of {$1100.00} and the additional {$250.00} for XX/XX/XXXX payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: ID

Complaint narrative:
I originally had my student loan thru XXXX XXXX, they turned it over to Nagivent, so I made arrangements to pay Nagivent XXXX dollars a month so they would stop garnishing my pay checks, I was paying them each month and in the fifth month of paying they told me I had to start all over again, and the keep calling and harassing me at least six times a day, so my complaint is, If they are garnishing my pay check that means they are getting paid and should stop the phone calls, I tried working with them but they are making it impossible to do that!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Bank of America reported I was delinquent on several credit card payments. I contacted Bank of America and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a call last night from XXXX XXXX, XXXX XXXX XXXX XXXX ext. XXXX a Bank of America representative. She stated that she was here to help me and that she works closely with the risk department. She also stated that she received my complaint from CFPB and wanted to address my concerns. So I asked XXXX questions, 1. Why are you guys holding my check until XXXX XXXX when it was drawn on a Bank of America account? 2. Why is my account being closed. The rep could not answer either question. She kept stating to allow her 15 days to review my account and she will get back to me as she had not researched my account as of now. I stated well what was the purpose of you contacting me if you did n't know what was going on. I advised that she should have researched and then reached out to me. She then stated that she knew why my account was being closed and kept stating well you signed the signatures cards and because of that Bank of America does not have to disclose this information to you. I asked if they were going to cover my late fee that I occurred because of this and she kept saying give her 15 days to review my account. I advised that I do not have 15 days to wait and had I known this, I would have simply cashed the check and paid the fee that they charge for not being an account holder and I would not be going through this nightmare. These people at the risk closure department XXXX XXXX XXXX XXXX Option XXXX feel as though they can do whatever they want to the consumers and nothing will happen to them and that they do not have to tell the consumer anything and they do not have to give the consumers their fund within the time frame disclosed in the disclosure form but yet want to mention the disclosure form when it is against the consumer. I need my money and I want them to cover my late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
My account was paid and included XX/XX/XXXX Chapter XXXX, discharged on XX/XX/XXXX. Bank of American are billing a deceptive amount. The monies paid were reversed and added back into the loan making the loan more than what the Heloc 's original amount. Debt was paid in chapter XXXX and settled with debtor. Bank of America has reported to all credit reporting agencies during the period that of the chapter XXXX bankruptcy. They attempted to collect on the debt during the XXXX year chapter XXXX bankruptcy period. I attempted in good faith to work with bank of America and each time, they became more aggressive with billing statements with deceptive information and false claim of amount owed. They have reported to credit agency false misleading information that I have disputed. They have mailed false billing statements. They have reported missed payments and late paying to the credit bureau. I filed with XXXX and someone sent a mean nasty message regarding filing with XXXX and stated that this would be handled with CFPB and it has not been resolved to this day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been trying to get a loan modification from Bank of America for my Home Equity Line of Credit since XXXX of 2015. To date I have not been successful. I had been paying interest only payments on the loan of around {$420.00} per month. In XXXX of 2015 the Bank sent notice that the payments would increase to a little over three times the payment I had been making. A new payment of {$1300.00} My circumstances have changed significantly since when I originally took out the loan. I was XXXX that rendered me XXXX and unable to work. I had to retire on a small pension. To start the loan modification process, the Bank asked me to provide extensive financial information : monthly income and expenses, tax records, ( which had been destroyed and I am just now recouping ), retirement and XXXX records. I provided the Bank everything they asked. At times, they asking for the same thing XXXX and three times, from the initial contact until now. The new payment amount of {$1300.00} I can not afford to make along with my monthly medical expenses, rent, insurance, food and transportation, all of which are going up and XXXX for benefits did not this year. 
I will be forced into foreclosure for sure. When I asked for the modification under hardship, I wanted to lower my payment to make it affordable, i.e. a lower FIXED interest rate and extend the loan term. 
BANK CONTACT-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 non-monetary relief
Consumer complaint received 2016-09-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I lost my whole wallet with all my I 'd social security card in there and that how someone got hold to my account information

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