vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-24 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:
My son was readily provided with numerous school loans from XXXX in XXXX. I cosigned a loan for him six years ago. When he was unable to afford all of the monthly balances, I stepped in to help several years ago. I made a large payment believing the loan was almost satisfied. It has taken me two years to get answers, loan paperwork and exact balances. In the past two years, after countless phone calls and letters from my end, interest capitalized. I requested an ombudsman this XXXX but was actually connected to a Navient employee. My concerns are lack of explanation to my son when borrowing all of this money, lack of communication to me as the cosigner over the past several years, and incorrect statements by Navient. One example of this was a recent conversation with a " top '' loan administrator who insisted that I should have known about increasing interest penalties due to monthly statements. I have never received statements and was told on several phone conversations that as the cosigner I had no right to specific information. As it turns out, they did not have my address correct. Statements were never received by me. I corrected my address with Navient in XXXX of this year, and have yet to receive any statements on this account. In order to reduce the extremely high interest rate, I borrowed as much money as I could three months ago to pay down the loan. I have a small balance left to Navient, and still can not get statements. I have also tried several times unsuccessfully to pay online these past two months. The insistence that I should have known all along what was incurring is incorrect as statements were not received by me. The address they had on file this summer was not even an address I recognized. I was also told repeatedly over the past four years by phone that I was not allowed to get specific information, which I believe as a cosigner is also incorrect. Interestingly, I recently heard an interview on XXXX by a young woman stating that she was offered and given numerous loans from The XXXX XXXX XXXX XXXX XXXX, XXXX, without a clear understanding of how much debt she was actually incurring. These young people are getting themselves turned upside down financially unknowingly before they even have the opportunity to make an income. My frustration is the way Navient mishandled communication and has cost me thousands of extra dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
This is my second complaint filed against Bank of america. I am on my third short sale agreement. They approved the first short sale, but buyer cancelled bc BOA was taking so long, asking repeatedly for documents they already had. Second short sale they finally rejected after I sent in a complaint against them. They said it was because I was current on payments. Only reason I was current on my payments was because I borrowed some money to keep it from foreclosing after the first short sale fell through only a few weeks before we closed. The short sale and mortgage depts refused to communicate. Even though I had a short sale contract they still pursued foreclosure. So, I remodified the loan to buy some time while we found another buyer. Now we are on buyer number three. My realtor submitted to equator a week ago the short sale and BOA still has not initiated it. I have tried multiple phone numbers to contact them. I have tried the number which they have instructed me to use : XXXX. I enter my loan number and follow the prompts and then get a recording for a voice mail box.I left two messages last week. I have been calling for a week now and still get the same message. Every number I call for BOA I still get that voicemail recording. I even went on the website and tried to chat. It said nobody was available. I called the mortgage and home equity line just trying to get a live person and each time i end up at the voice recording. This has never happened in the past 1.5 years I have been dealing with them. So now, we have another buyer and another contract and BOA is impossible to reach. We can not move forward without BOA initiating the short sale and my realtor has done her part. I can not even find a way to talk to any human at the bank in any department.

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 2017-01-20 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: NC

Complaint narrative:
Even after correcting past incorrectly applied payments in response to an earlier complaint to CFPB, Navient continues to apply payments to the wrong loan when the payment amount and loan number are clearly indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the payment as indicated on the payment slip. Telephone representatives refuse to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I ordered a XXXX Tablet for {$53.00} at XXXX on XXXX XXXX and ended up cancelling it the same day. XXXX confirmed that they sent the money back and that I would have to contact my bank about the matter. I did and they continued to tell me to contact XXXX and that there was nothing that they could do. So I did and XXXX referred me back to Bank of America because they are the only ones that can release the hold. I contacted the bank yesterday and they told me it could take up to 3 days for the money to show up on my accont. I told the teller it was the XXXX day and she said it should be released by the end of the day. I then called Bank of America today when I saw it was not released and I was told that they could not find the purchase of file a claim because the {$53.00} sent to XXXX was not able to take the money out of the account due to problems with my card and then the story changed to it was automatically refunded and to check my transactions on line by the claims department supervisor named XXXX XXXX. XXXX was very rude and talked over me. She also told XXXX a lie instead of trying to find out about my daughters child support money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I disputed XXXX accounts with Central Financial Control. They are harassing me about medical bills that I do not owe. I asked them to send me validation and they responded with NO VALIDATION! They just continue to say I owe these accounts with NO PROOF! This is unfair and extremely frustrating! I requested this information over 60 days ago!!! There time to investigate is up by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver.

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 2017-01-21 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: CA

Complaint narrative:
Navient is steered me to higher-cost repayment plans several times without notifying me ... I have been paying alot and hardly made a dent ... something is not right ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I met with XXXX with Mortgage Relief in XXXX to assist me with a Loan Modification. He discussed with me about a possible loan violation and suggested to start the paperwork for a Forensic Loan Audit with XXXX in XXXX which cost me {$2900.00}. At this time, they asked me to forward any correspondence that I receive from Bank of America. I received a Letter from Bank of America dated XX/XX/XXXX to start a Loan Modification with a Trial Period Mortgage Payment of {$1100.00}. After I successfully made 9 or 10 monthly payments, I received a call from XXXX to come into the office, they had me sign a letter terminating their service with me. I then received a letter from Bank of America dated XXXX asking for additional documents, which was submitted. I called Bank of America after no response, which then I was informed by the Customer Service Rep that I did not qualify for a modification. So, I seek assistance from a Real Estate Agent to Short Sale my home. At this point I felt that I had been misinformed and service that I paid for was not rendered which resulted in losing my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 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: MI

Complaint narrative:
My loan debt is zero. I 've received all letters stating this and I 'm out of default status. I 'm beginning college at University XXXX next week and this negative impact on my financial aid is Ludacris. I have proof all loans are not default or have a balance. They harass with calls even though I owe nothing I 'm going to sue if I have to. I want that negative impact information removed asap my credit is suffering because of these greedy collection agencies and I wo n't stand for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Unbeknownst to me, my son ( XXXX XXXX XXXX ) took out a Parent Plus loan for online classes with the University XXXX XXXX. He attended class for a day and advised XXXX counselors he could not avail himself to attend anymore classes. XXXX ( or Sallie Mae ) sent him the remainder of the loan which he never returned. I reported the fraud to Sallie Mae and was advised to go to the police and file a report. I did so but for some reason, Sallie Mae representatives and the police department were unable to resolve the problem. Now I am getting the hit on my credit and made to pay the bill. FYI, the police has the fraudulent signature card which XXXX, my son, had submitted. Everything else was digitally signed. I have filed an affidavit to Sallie Mae stating the loan was not authorized by me. I would like this issue resolved and the loan taken off of my name. I will not pay for a loan I did not authorize, incur, or had knowledge of at the time it was taken out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 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: MD

Complaint narrative:
Navient is servicing my daughters student loans. We receive on average 8-15 calls per day telling us we are late repaying our loans. Navient has auto deduct from our checking accounts so there is no possible way we are late. We pay what they told us to pay and yet we are told its not enough. My credit rating went from the high XXXX 's to low XXXX 's. Whenever we speak with a Navient rep, they argue with us and trying to turn the conversation back to us making a payment over the phone. No help from them in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
FCRA VIOLATOIN : Transunion file # XXXX. 
I disputed information contained in my credit file for my American Express credit card account. The only information that was incorrect was the balance due and account rating just for the month of XXXX was incorrect, it was listed as N/R. All the other months had correct information. The dispute was resolved in 2 days but the whole account with perfect payment history was deleted. This has caused my credit score to drop significantly due to no fault of my own.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a FHA loan and this loan is serviced by Bank of America. The bank did n't fulfill any of the contractual obligations it made with HUD, specifically loss mitigation before filing a foreclosure lawsuit against me. I have been fighting this bank for nearly four years in court and it has still refused to do what it contractually agreed to do. I also sued the bank under the Illinois Consumer Protection Act for its unfairness. It 's my understanding that this bank has repeated this conduct with several XXXX of FHA mortgages.

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 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In need of immediate assistance against Bank of America , NA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: GreenSky, LLC
State: CA

Complaint narrative:
Green Sky fraudulently opened and charged a closed account. Please reference File number XXXX, Green Sky admitted error and credited my account. 
the account. I received a letter today that they without permission opened the account and charge me XXXX. 
Please contact me regarding resolving this issue, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to me.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I 've had on several occasions, problems with my payment to hit my account. I called Navient the past two months wondering why my normal monthly payment of XXXX dollars says XXXX dollars on my Navient app. They would tell me they did not recieve a payment then put me on hold for a brief moment. Both times the representative came back on and told me he found my payment but it has n't been confirmed yet. I questioned them multiple times why I have to call every month asking why my payment is not up to dat. I was hoping somebody would catch on to their antics. I just hope I have n't lost miney because I 'm a very dedicated customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have had my checking and savings accounts with Bank of America for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Bank of America to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 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: AZ

Complaint narrative:
Navient is just poor, all around. Poor customer service, poor loan servicing, poor plan options. I have submitted paperwork for a lower payment on two different occasions, yet they tell me they did n't receive it, or they tell me it 's processing. I can not afford the payment they are STICKING me with and they are not giving me any other options. I have submitted bank statements and all required documentation.

Company response to consumer: Closed with explanation