vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
Back on 2005, We refinanced our home loan with XXXX XXXX, and Fidelity NationalTitle Group was our title company, and we never got the HUD statement at the time of closing and when we finally received a copy of the HUD1, and disbursement ledger it shows with out our signatures and also it reflects that the sum of {$51000.00} as paid to us from the closings preceeds. We have not recollection of ever receiving or negotiating a check in this amount from Fidelity National, and the reason that I 'm filling a complaint is because Fidelity and XXXX XXXX wo n't help. 
I respectfully request a invesigation into this matter and demand a proof where the funds are. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. 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 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I only attended the school for less than 6 months. Could n't do the work and was getting no help and then the Dept of education investigated the school for fraudulent loans which then resulted in them closing the school down. XXXX XXXX was where my loans were then Navient started harassing me saying they took over the loan and would n't work with me even though I had already started working with the federal student loan filing a discharge of loan due to school closure. Navient then without service of paper work filed a case against me and managed to get a lien to take all of my money from my bank account. No notice was given, I found out when I was checking my balance and seen no money and I called my bank. I then called XXXX XXXX and filed an excemption and had to wait 15 days to see if Navients attorneys would oppose it, they never did so my money was released but now I have to figure out how to close the court case against me. All this time Navient would n't speak with me and the attorneys would n't send me any documentation showing me why they filed against me. They were rude and irate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have issue with my second lien on my primary resident. with Bank of Americai was told by b o a staff on XXXX that my second loan was waived and they willsend me the release of lien shortly, after that due to family emergency i had to go to overseas and lost contact with bank of america . also never received any certificate of lien release. mean while my first loan that was originally with bank of america after several times attempt to modify, and deny with no reason. finally was sold to XXXX, then after several attempt finally my first loan modification was approved, recenlty i check my property tittle report. and find out the second loan lien has not been released yet.?!!! 
i called bank of america, and first they denied the cancelation of my second lien, after several weeks i called bank of america again. this time they told that yes, my second loan was approved to be released on XX/XX/XXXX, but are not releasing the lien, and loan was referred to their recovery dept. for collection and demanding full payment on the second loan .my credit report shows as with XXXX credit agency as paid status, and with third agency as open account. 
Now my first loan has been modified but still is underwater, i barely can afford first lien loan mortgage .with HAMP loan, and there is no equity for second loan, but still demanding payment. it does not make sense to go through a first loanmodification process ( according to affordable home modification act ) and havingthe second lien with no equity position staying on the property as an activeand open second lien .and waiting some day to foreclose on my property. 
I ca n't afford to pay for my second loan, barely keeping my first loan in current status. 

why they do not release the second lien base on their XX/XX/XXXX promise?? 
what was the purpose Hamp loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: MO

Complaint narrative:
I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue.

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 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I was scammed into buying what I thought was a one-year contract for XXXX. After one year my bill went from {$30.00} to XXXX. I told them unless they could put me on a cheaper plan I would have to cancel my service. They did not object, or give me any options, so I called XXXX XXXX and got a lower cost plan from them. I called XXXX and told them I wanted to cancel my service. Then I was told that I could not cancel without a fee to cover my TWO-YEAR contract. When I told them I did not have a two-year contract, they told me I did have one and that I could have gotten a cheaper plan with them.. But it was too late as I had already agreed to a plan from XXXX XXXX. 

Now a collection agency, CBE Group, is trying to collect {$220.00} from me and I ca n't afford to pay them. The letter contains this notice, " Unless you notify this office within thirty days after receiving this notice that you dispute the validity of this debt or any portion there of, this office will assume this debt is valid. If you notify this office in writing within thirty days after receiving this notice, that you dispute the validity of this debt or any portion there of, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment of verification .... '' I can not pay, and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Bank of America and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: MD

Complaint narrative:
I was told that they could not lower my payments, however I was continually advised to request forebearance subsequently accruing unaffordable interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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:
Here is an idea. Let me know what you think I, XXXX XXXX, feel that I am an aggrieved party in this action. Navient has committed multiple acts against me that I believe have injured me and my student loan situation. I am one of the many Navient clients that has been steered into forbearance to my detriment. I believe I was not given sufficient information by Navient to properly decide if this action was in my best interests. This forbearance has added a substantial amount of interest to my loan, therefore ultimately extending the time required to pay off my loan. This process took place between XXXX and increased my loan interest by {$8000.00}. I am paying this increased interest on top of interest to this present day. 

I also believe that Navient purposely misled and deceived me by providing me with unclear information concerning the Income Based-repayment plan that they wanted me to sign up for. The information provided was not clear as to the important dates and deadlines that needed to be followed in order to qualify for this specific plan. I was also denied the relevant information as to the specific dates for program renewal and the length of time it would take for Navient to process my application. The application processing timeframes were necessary for me to have, as Navient knew and failed to disclose that while my approval was pending I would potentially lose the opportunity for the extended repayment plan. Furthermore, because of the waiting period to be approved, my loan payment would increase dramatically between 3x-4x per month. It was at this point where my loan would become due, that Navient steered me into forbearance, adding even more interest unto my loan. Navient knew the process, the timeframes and the consequences, but failed to disclose any of this to me in order to allow me to make an informed decision. 

The representative that serviced me attempted to steer me into forbearance a second time. During the time I was applying for the extended repayment plan, she mentioned that I could not apply for another plan until my income-based repayment plan had ended. Only at that point could I be approved for another plan and that I should wait a month after my plan had ended, enter into forbearance until the beginning of the next calendar year, and then begin that program. I would again continue to pay interest while waiting to get into another program. I was given no information or counsel that said I had any other options. I asked for and did not receive anything in writing concerning my options. She stated that forbearance was the only way to bridge the gap from one program to another. If I had options, I was not made aware of them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 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: IN

Complaint narrative:
I feel like I am being harassed by my student loan creditors. Shortly after I graduated from XXXX University in 2009 I was called numerous times a day by XXXX XXXX. When I looked at my phone I would have several missed calls and voicemails from persons from different numbers, at all times of the day. They would leave voicemails and disclose unappropriated information, some even making threating remarks if I did not call back. 
When I would attempt to call back, I would get the run-a-round with collectors claiming that I needed to make unreasonable payments of {$300.00} to {$400.00} a month. I would try and negotiate terms but feel helpless as if they were unwilling to work with me to come to some solution. 
I would make payments thinking, " anything is better than nothing " and still receive calls saying my payments were missed or late. This constant annoyance made it very difficult to actively fix my student loan situation. I felt personally targeted by many of the persons calling because they would imply that I was a " bad person '' because I was n't trying to settle my debt which is false. They would call my mother and father and leave voicemails. They have contacted my siblings and other family members after being told by myself and others to please stop. They have called prior places of work and asked personal information from my co-workers. 
The constant harassment I experienced causes me to feel paralyzed with fear due to relentless provocation. I am in the process of going through a 3rd party to try and settle my loans and repay for my college education. Although those calls stopped for a while, they have restarted again and have repeated called me in the same an hour, reached out to my family numerous times and also reached out my employer. Due to the fact I work in a XXXX it is forbidden for me to receive personal calls and Navient, once known as XXXX XXXX, has reached out to them several times. Not only is that embarrassing, phone calls are strictly forbidden and I could lose my job. I need help ... I do n't know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I saw in the news the other day that the CFPB is compiling a list of complaints against banks and presenting the information to Congress. Approx. XXXX years ago I filed a complaint with you regarding the mishandling of my mortgage by Bank of America. The complaint is on file and you requested BofA to respond to my letter. They basically sent a form letter after their " investigation '' and said the matter was closed. They did not indicate what efforts they went thru or if they talked with the employees I quoted in my complaint. There were numerous other similar complaints on google when searched. Basically, BofA worked in bad faith and strong armed my situation. The stories on the internet even stated they paid employees incentives to get mortgages foreclosed. Basically, I was behind due to losing my XXXX because my bank, XXXX XXXX failed and was taken over by the FDIC. I was forced to sell my business in the middle of the banking crises to pay off my business loans. Then while negotiating with BofA they called me to inform me that my mortgage was foreclosed on and I had XXXX days to move out. They offered me {$5000.00} to leave my home in good and clean condition which I did. Then after I moved out they said I did n't qualify for the incentive. So I lost all my equity ( approx. {$250000.00} ), my credit is ruined, housing values fell in the immediate area and so did real estate taxes. All because BofA just wanted to clean up their mess. I believe there are many more people in my situation and are basically helpless against the giant bank. It sure seems like corruption and racketeering on the highest level. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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: CA

Complaint narrative:
I was approved for a trial loan modification on XXXX XXXX, 2015 with my XXXX trial period payments ( TPP ) scheduled for XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. The amount of each payment is $ XXXXXXXXI made the XXXX XXXX payment of {$1800.00} by calling BoA customer service over the telephone using the funds from my XXXX account on XXXX XXXX, 2015. The transaction was completed the same day as the money was taken out of my account and deposited with BoA and I was given credit for the XXXX TPP payment of $ XXXXXXXXI called on XXXX XXXX, 2015 to BoA Customer Service to make the XXXX TPP ofof {$1800.00} using the funds available in my XXXX account. The transaction was completed. However, BoA made XXXX transactions instead of XXXX and attempted to withdraw {$1800.00} on XXXX occassions totalling {$7300.00}. Our account is overdrawn and XXXX charged us {$34.00} each for the transactions for non-sufficient funds as only XXXX payment of {$1800.00} was accepted. Also, we have written XXXX checks for water, telephone and gas that will be returned because the account is overdrawn. Upon calling BoA Customer Service on XXXX XXXX, BoA representatives said that there was nothing that they can do and that BoA might send a check for {$5500.00} within 10 business days. However, we ca n't wait XXXX business days as our utility companies may interrupt service by then. Also, we need to get reimbursed for the {$34.00} overdrawn NSF fees that will total {$200.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill

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 2015-07-18 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was sent an unsolicited credit card from Bank of America XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. XXXX XXXX bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again XX/XX/XXXX. I worked odd, temporary jobs during that time and finally found another full time job XX/XX/XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But XX/XX/XXXX, XXXX froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to Bank of America XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Bank of America. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I was sued and paid the judgment. A new lawfirm file took over the judgment and garnished my wages. I have comunicated with them to stop the collection efforts to no avail.

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 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: TN

Complaint narrative:
I have no knowledge of said debt.

Company response to consumer: Closed with non-monetary relief