vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
About 2 years ago I reached out to you twice for some assistance dealing with Bank of America as they refused to work with me on several of thier options to prevent foreclosure for which i qualified. I lost the property but just received a check from them for XXXX dollars because they wrote that they may not have provided me with the level of service I deserved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been trying to consolidate my loans to enter an income based repayment plan. However, the National Student Loan Database ca n't find my loans. We *think* this is because my information has not been corrected since I got married and changed my name ( 8 years ago ). For months I have been fervently trying to correct this, but NSLDS keeps sending me back to my servicer ( who swears up and down my name has been changed ) who keeps sending me back to NSLDS ( who swears up and down the information is still incorrect ). I 'm so frustrated I want to cry. 

Also, my servicer, without any prompting on my part or any clear reason why, suddenly changed my loan with only 8-years left of payments on it to a new 20 year term. I only received a generic form letter telling me my loan terms had changed with absolutely no explanation as to why this had happened. When I called my servicer I had to try XXXX different representatives before I finally found one who could vaguely explain the issue. ( Apparently they did a review and discovered that my I unsubsidized loan and my subsidized loan had different terms, so that triggered some sort of reset ). These types of things make me very nervous. Federal loans are complicated enough as they are. How can I trust that my loans are being handled properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 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: FL

Complaint narrative:
I have XXXX consolidated loans ( Unsubsidized & Subsidized ) with Navient from XXXX schools I attended. I submitted a change in repayment plan application on XXXX/XXXX/XXXX. I was on the XXXX plan and requested to be switched to the REPAYE. I became unemployed on XXXX/XXXX/XXXX and have remained so. I submitted all the required paperwork necessary which included a letter indicating my situation as well as my unemployment approval letter. That is my sole source of income. After submitting it, I was told it could take up to 20 business days to complete. On XXXX/XXXX/XXXX, I received an e-mail which stated that my application could not be processed because I applied before the renewal period. This e-mail was in error because my application clearly stated that I wanted to change my repayment plan, not renew it. Nevertheless, I called and recorded Navient on XX/XX/XXXX to clarify the mix-up. After being transferred twice, I reached a rep named XXXX who assured me that he was going to take care of it. He said that he needed to collect a small expedited payment from me of any amount ( {$10.00} ) and he would put a one month 's forbearance on the account, forcing the system to remove me from the IBR plan. At which point my application to be placed on the REPAYE plan would be processed. He said I did n't have to resubmit an application and the existing one would be used. My forbearance expires on XXXX/XXXX/XXXX and my payment is supposed to be {$0.00}. However, I have not received any follow-up on my application and according to the navient.com website, my payment would resume at over {$600.00}. I 've spoken to and recorded over XXXX reps including XXXX to get this rectified. I can not afford my payments and have done everything within my power to communicate and submit the required documents. I will follow-up on the next business day, but wanted to file a complaint against this company for purposefully delaying the processing of my repayment application ; thereby increasing interest on my account and possible late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We/our client have been unsuccessful in a loan modification process that we have been attempting since XXXX 2015. We have submitted each and every request to Bank of America to no avail. We have provided documentation each and every time it has been requested and can not seem to get confirmation of documentation ( because there is an active cease and desist on the file due to litigation ) along with opposing counsel continually requesting the same documentation over and over only to consider they are not forwarding to their client 's for review. Our translation of the guidelines support that we are to have a dedicated individual reviewing the documentation and open communication re : same. Litigation is still continuing and we are not getting anywhere with the review.

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 2015-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have asked Franklin Collection Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDCOUNTRY FINANCIAL CORP
State: MN

Complaint narrative:
MidCountry XXXX sold my loan to another company " B '' on XX/XX/XXXX. I received two XXXX forms from both companies in XX/XX/XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XX/XX/XXXX. I reached out to MidCountry XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. The same thing happened when I contacted company B. 
In total, I spent more than 4 hours talking to both companies back and forth multiple times, which was a very frustrating process. 
Eventually, MidCountry XXXX admitted they made an error on the XXXX form on XX/XX/XXXX, which negatively impacted my tax return filing for XX/XX/XXXX. The staff apologized to me in email. However my request for a compensation of my time : $ XXXX/hr * 4 = {$240.00} from MidCountry XXXX for their mistake was completely ignored.

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 2016-08-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Calls are being made to all different numbers that they are not authorized to do. I 'm being harassed at my job, family, and individuals information they are getting from a third party. This is not right. I specifically updated my account what number they can call. They continue to harass me daily on different numbers. I know this is against the law. I have recordings on my work voicemail showing they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with BANK OF AMERICA at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I receive a check written on Bank of America from an attorney for refund the of products furnished. The bank of America branch near my home would not cash it because I wrote my name on it instead of him XXXX handwritings then they want to charge me for cashing their on checks. I thought in U.S. 
that banks had to honor their customers checks written on their bank. 
bank of America say they are bigger than us and do not adhere to any regulations they set their own regulations.

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 2016-06-10 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.

Complaint narrative:
I am submitting a complaint against Navient who gave my son student loans without my approval. Now it turns out that they put me as a co-signer of which I never had agreed to nor have signed for. I requested a copy of the original loan contracts and found that they have typed in my name even thought the contract clearly states that one should read the contract before signing it. I see no where that I have signed it and I will never agreed to it. I am requesting help on getting these loans off my credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
XXXX, have created an inaccurate account with identity theft violating the fair reporting act and the reporting transaction act.name XXXX XXXX XXXX and XXXX XXXX charging us both for non active accounts enrolling us as married.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: IL

Complaint narrative:
I completed medical school in XX/XX/XXXX and consolidated all my outstanding XXXX student loans at that time with an interest rate of XXXX %. Over the last XXXX years, my rate has dropped to XXXX % due to discounts I have received for on-time repayment history ( 1 % discount ) and enrolling in autopay ( 0.25 % discount ). In XX/XX/XXXX my XXXX XXXX was transferred from XXXX to Navient. I received a letter from Navient on XXXX/XXXX/XXXX informing me that my monthly re-payment amount would increase from {$480.00} per month to {$490.00} per month. It was my understanding that loan repayment terms should not change when the loan is transferred to a new XXXX XXXX XXXX XXXX to Navient XXXX. I called Navient to inquire, and they confirmed that my interest rate has not changed. It is still XXXX % however I continue to receive the 1 % on-time payment discount and XXXX % autopay discount, making it effectively XXXX % as before. They explained that they recalculated the loan using the higher interest rate of XXXX % and that if I continued to make the higher payment, the extra {$10.00} per month difference would go towards paying down the principal every month, and that I would actually be paying the loan off faster and enjoy lower interest payments going forward. This has not occurred. On my XX/XX/XXXX Navient statement ( prior to the increase in monthly payments ; total payment was {$480.00} ), I paid {$340.00} in principal and {$140.00} in interest. XXXX months later, on my XX/XX/XXXX Navient statement ( after the increase in monthly payments ; total payment being {$490.00} ) I paid {$350.00} in principal and {$140.00} in interest. Therefore I am paying only ~ {$5.00} more in monthly principal payments, and actually continuing to pay more per month in interest as well. I believe that I have been overcharged on my loan since Navient increased my monthly payments on XX/XX/XXXX. The additional payment has not been going towards principal payments and they are charging me a higher interest rate than when they took over my loan from XXXX who was my previous XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: NY

Complaint narrative:
On XX/XX/2016. Navient received a check I sent them for {$15000.00}. I know this because I have a return receipt from the the post office which is dated and is stamped by Navient. I called on XXXX/XXXX/16 around XXXX to enquire why the check has not been posted to my account. They said they have n't recieved it. I spoke to a supervisor by the name of XXXX. She asked me to fax them the return receipt and to verify if the check had been cleared with my bank. The check has n't been cleared.I faxed the receipt to them today. She also said it would take XXXX business possible days for the process. I told her that I wanted to pay Navient as soon as possible and on I do not wish to wait that long. I am now paying for the {$15000.00} loan with my bank as well as Navient.. I need to get this done asap..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My loan started with XXXX XXXX and Navient became my servicer and failed to contact me to notify of the change. I was in default I was asked to pay 9 months straight to clear my credit when I called to have this consolidated via XXXX. I paid the 9 months on time and then they told me the loan was transferred to someone else and they could n't fix my negative standing with the bureau. It 's been difficult for have any reliable and useful help from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of 2016 I was the victim of a cell phone ( smartphone ) theft. The police report is attached. Due to that there was a avalanche and domino effect of low level identity theft. I am not rich therefore there is n't much for a thief to take. However, what I have I am proud of an I take honor in maintaining. The person who took my phone ( I 'm assuming ) was able to deplete my checking account as I had several virtual cards and other sensitive information there for the taking, unfortunately. This left me without funds other than what was in my pockets or at my home. I eventually was able to have every penny given back to me but it was weeks before this happened completely. I had to block my bank account to prevent further damage and as a result could n't pay my Chase account in a timely fashion. As a result, the payment was late and I went from a great customer to a one with a 30 day mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Prepaid card — Transit card
Issue: Unauthorized transactions/trans. issues — 
Company: Netspend Corporation
State: CA

Complaint narrative:
To whom it may concern ; My name is XXXX XXXX and I am a previous Netspend cardholder. On XXXX/XXXX/2015 I filed a claim for unauthorized charges. I received correspondents in the mail on XXXX/XXXX/2015 informing me that claim # XXXX was found in my favor and {$180.00} would be refunded to my account. Unbeknownst to me, my account was closed on XXXX/XXXX/2015 without reason. I was never informed of anything suspicious on my account nor was I informed that my account was even being closed. On XXXX/XXXX/15 I tried logging into my Netspend account only to receive a message to call customer care because my account was locked. At that time they informed me that my account was closed and the funds were issued to a check and sent out to my address on XXXX/XXXX/15. I have yet to receive anything in the mail and any helpful answers for Netspend Customer Care. I even opted to have the check canceled and the funds put into a relative 's Netspend account. I 've read numerous accounts and complaints about closed account owners never receiving their check as promised. I can not afford to be one of those. If the check was sent out from Texas on XX/XX/XXXX, I should have received it by now. I just need my funds returned please. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My family and I found a beautiful short-sale home from Chase Bank in XX/XX/XXXX. We placed an offer that was accepted by both the seller and the Chase bank but, in XX/XX/XXXX Chase came back and requested more money. At XXXX we offered {$260000.00} using a VA backed loan with the seller covering all closing cost at 2 %. When chase came back requesting a final offer in XXXX, we raised our offer to {$270000.00} with the seller covering closing cost at 3 %. This was accepted and on XX/XX/XXXX we went to settlement and close on the home, all documents were signed and I was given the keys to our new home. However, a couple hours later my realtor and broker called to inform me Chase did not accept the HUD-1 statement and wanted more money to the tune of {$3500.00} ( {$2000.00} escrow and an additional {$1500.00} ). As a XXXX and wounded veteran I was appalled by the GREED and DISHONORABLE behavior displayed by employees of Chase bank that are willing to let another veteran ( the seller ) go into foreclosure for {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Netspend Corporation
State: PA

Complaint narrative:
Received an un-solicited card in the mail. Could not reach a person to resolve the matter. All calls went to machines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation