vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc.
State: MT

Complaint narrative:
My federal student loan was through Nelnet. I have since paid it off, but during the course of the loan, they almost never mailed me a bill, even after I sent numerous Certified Letters and phone calls requesting them to send the statements/reminders - that I had no problem with the payments, but needed the statements. I even submitted a complaint to the XXXX which also fell on deaf ears. As such, I frequently missed payments that were not a problem for me to make financially, but caused major harm to my credit. My resolution was finally to just pay the whole balance ( not easy for my family but it was necessary ) so that I could cut ties with Nelnet. I believe this is their primary job : to properly bill their debtors and help them pay off their loans in a manner which keeps all sides satisfied. It should have been easily resolved by Nelnet but now it will be my ongoing problem for the next 7 years on my credit report, attempts to purchase a house, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I asked for a quote on lights from, XXXX XXXX, of XXXX. On XXXX XXXX I received quotes from XXXX XXXX for the lights ( {$6700.00} ) and light stands ( {$1100.00} ). I was told that there " may '' also be a shipping charge and that if so " XXXX '' would review that with me. I approved the XXXX quotes and authorized those charges to my credit card. 
I was never provided a quote for shipping. XXXX did not review any shipping charges with me or seek authorization for any shipping charges. On XXXX XXXX an unauthorized charge for {$590.00} was made to my credit card. 
I disputed this charge with Bank of America by phone and mail. I received a response from Bank of America that stated this was not a 'duplicate transaction ' and therefore 'valid '. I never stated that this was a duplicate transaction rather I explained in writing and by phone that it was an unauthorized charge.They provided an invoice from the company which showed the unauthorized charge -- that invoice was created ( as stated on the invoice ) after the unauthorized charge.The relevant invoice is the one that I authorized prior to any charges which does not include a {$590.00} charge. 
On XXXX XXXX, 2015 I called Bank of America at XXXX and explained the details to the representative. She told me that because I had authorized a charge for the lights that the additional {$590.00} unauthorized charge could not be disputed. 
I am writing to ask that the {$590.00} which was not authorized be credited back to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had Applied for a Loan with Countrywide Mortgage now Bank of America XXXX/XXXX/2005 ( Exhibit ( B ) which I later Withdrew ( Exhibit ( F ) Countrywide/Bank of America Still moved forward with An alleged Loan ( # XXXX : ( Exhibit G ) using unsigned and False Documents ( Exhibit C, D, E ) : provided to Me upon showing my Government issued Drivers License to prove my Identity to XXXX XXXX Bank of America Representative XXXX office ,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX, Phone # XXXX. 
I asked for an Investigation from Bank of America but they Refused until I Sign an Affidavit Relinquishing my Rights, which I see as extortion and giving up my Legal rights to Damages caused by Bank of America and its subsidiaries. Why would They need me to Sign anything when the information was provided to me From their own computers and Files? 
I just proved the Theft to them and they admitted to the Theft of my Personal information in A Letter provided to me By Countrywide ( Exhibit ( A ). 
Because of This Loan I have now been wrongfully Foreclosed on, and Forcefully Evicted from my Home.I did not Know the extent of the Damages caused by this Breach until recently upon my own Investigations and Research using FOIA and public records request via Government Agencies, The courts and Legal system have Failed to Give Me a Remedy in order to cover up the Corruption I have uncovered by Banks and Lending institutions using Government Sponsored Entities ( XXXX ) to Shield and obstruct the PUBLIC from getting Remedies and information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc.
State: MN

Complaint narrative:
I am a victim of identity theft. I have sent numerous affidavits and police reports to Total Card, Inc., in reference to the following account : *******************. The reference account do not belong to me. I want Total Card, in the spirit of good customer service, to close the above referenced account. Cease and desist all collection efforts immediately and permanently and have the account, deleted from my XXXX credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
XXXX XXXX, 2015Letters of Harassments. Beginning to receive letters from Bank of America, addressed from XXXX, Tx XXXX. Cover page states " Time Sensitive ''. Letter states " Thank you for sending your financial documents. Here 's what to expect next. Letter goes on and states that I have initiated home loan assistance. The sooner we receive your documents, the sooner we can evaluate your loan for " MODIFICATION ''. Letter has signature block of XXXX XXXX, Home Loan Team, Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
My client submitted a request for short sale to Penny Mac in XXXX and we were told the file had been submitted to the investor for a decision in early XXXX. We had a ratified contract on the property in XXXX and were told to hold it until we received the Approval to Participate ( ATP ) which is the FHA letter allowing the seller to participate in the pre-foreclosure sale. Approximately 10 days later we were informed that the property has a foreclosure sale date of XX/XX/2017. When I confronted the contact at Penny Mac he said he is just informing us of the sale date and that the review was still pending. After several days I emailed him to get the status of the ATP and was told they will not issue the ATP since there is a sale date scheduled. I explained we had an offer on the property and asked him why he told us not to submit the contract. His response was the investor initiated the foreclosure faster that they thought it would be. I immediately sent in the offer and closing disclosure and requested he send it in for review. I asked for an update and he is no longer returning calls or emails. I have called his manager 3 times and not received any return calls. My client was depending on Penny Mac to handle his request in a timely manner and give him consideration on his offer and they have completely dropped the ball. This company has drug the process on and allowed the home to go into foreclosure when they had the ability to move the file in a timely manner and keep the foreclosure process from being initiated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: SC

Complaint narrative:
Collection company refuses to provide information as to name of creditor. They only provide a database listing showing my name and an amount allegedly owed. I have recently suffered from identity theft, and have had a number of claims for services that have been provided in states where I do not live, and have never lived in or have not lived in for 10+ years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: VA

Complaint narrative:
Hi there, I 'm the seller on this purchase transaction. I 'd like to file a complaint on Primary Residential Mortgage, Inc. XXXX XXXX XXXX XXXX. XXXX XXXX This mortgage company issued FHA case # on my house, which the transaction did n't go thru, and Sales contract was cancelled. I have made cancellation requests via email and phone call, and in all occasions my requests have been ignored, and my right being denied. I emailed on XXXX XXXX, called on XXXX XXXX, and manager promised by XXXX XXXX, FHA CASE # will be cancelled, which it was not.And again today XXXX XXXX when I called to follow up, manager was really rude and I was told they will not cancel the FHA CASE #, and there is nothing I can do and rudely hang up on me. I am seeking your help in this matter, kindly please help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back owned a heloc loan on our property. They sold to XXXX a sub of bac. They wrote the note off because we did not repay this loan in 2012. Now we understand XXXX financial bought the paper and is trying to get payment. It shows on our credit history it was written off. XXXX now has started trying to collect.

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 2017-01-23 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: IA

Complaint narrative:
I have called Navient several times over the course of the last few years to get help lowering my payment but they keep saying there is no way to do so. I 've been paying on my XXXX since 2004 and I have a child in college and am having a hard time swinging all of the payments. I 'm not asking for something unreasonable as I 've made payments of {$250.00} a month for years and never missed a payment despite my loans being transferred from the government to private companies. Just some reasonable assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-25 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: TX

Complaint narrative:
Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: AZ

Complaint narrative:
I have a large amoun of small student loans over the course of years. XXXX degrees and XXXX degrees. I do take responsibility and pay my student loan. I consolidated to my knowledge my student loans under a navient servicing center that consolidated all of my loans. Little to my knowledge did i know the company could not consolidate a spousal smart consolidated loan with your DL 's. All loans were consolidated under 1 payment which is {$600.00} dollars monthly. My payments were only going to my DL and my Federal loans were getting nothing paid on them for over 8 months. Unto my knowledge I have now gotten my loans unconsolidated from a 4.75 % to a 6 % higher interest rate and all of the {$600.00} ive paid for over 8 months. I am unsure where the credit is. A balance started out as {$110.00} k was now $ XXXX due to double charging me for my loans and consolidating loans incorrectly. 
the balance has been corrected in the system back to the original $ XXXX but all of my {$600.00} a month payment ive made auto pay for over 8 months. I do not know where my credit is. The loan that was incorrectly consolidated is not XXXX + days over due. The servicing company has charged me late fees and I had to pay to get a extended forbearance because i have used up all of my forbearances. That has not been approved. Sent 1 email stating this was the XXXX delinquency notice out which indeed was the first on this past friday XXXX/XXXX/16 stating I can get my check garnished, bad credit reporting etc. My payments are not correct in the system. I went from a consolidated loan of XXXX back to $ XXXX but the payments are unresolved to the correct amount, the due dates have not been corrected, my {$8000.00} credit is no where to found nor credited to my account.Im still past due on my Federal loan with a late fee and I have to get my DL reconsolidated again as Navient servicing center cancelled the consolidated i had which had a 4.75 % and now its at a 6 % interest rate with incorrect payment amounts. Balances and amounts incorrect. My entire account is a unprofessional mess. I am so disappointed in navient unprofessioanlism and huge mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
My Private student loan with XXXX XXXX was transferred to Navient. I joined the military in 2009 and was able to take advantage of a repayment plan. It helped when my loan was with XXXX XXXX. Ever since the loan was being handled by Navient I have been calling and calling and the automated operator would say please call during our normal business hours even when I am, and it would hang up. Then I called XXXX XXXX and they would transfer me to Navient but then they 'd attempt connecting me to another operator that is supposedly the correct department and it would say again " Please call during our business hours '' and hang up on me. I am tired of the treatment from Navient and I am a XXXX veteran trying to receive assistance with info and repayment options. I am going through financial hardship and it is close to impossible to get this matter resolved!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I scheduled a payment through Bank Of America to a local merchant. I admit the funds were NOT in the account upon scheduling because I knew it took at least ten days to process. I went to the nearest branch, XXXX miles away ( 1 hour drive each way from here ) to make a deposit after to make a deposit to make sure the account was in good standing. The bank was boarded up and shut down. The next nearest branch to make a deposit was XXXX miles away. I could not do that. The check hit and B of A declined payment and just charged a fee. I paid the bill through my new blue card from XXXX which does n't ever charge fees for anything. B of A charged another fee for not paying the first fees that included maintenance fees, as driving XXXX miles to their other branch and covering it within five business days was not possible. My account currently has - {$100.00} with {$100.00} of that amount being pure fees, no actual goods or services. B of A provided NO goods or services for those fees. They are running them up seemingly non-stop, with monthly maintenance fees for doing absolutely nothing. I 've discussed this with their customer service and they said I could pay ALL fees or get banned from having a checking account anywhere in the U.S. once they report their unrecovered fees to chex systems. I wanted to end my account with them, but have to drive XXXX miles at their convenience and pay them to do so.

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 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: MIDFIRST BANK
State: LA

Complaint narrative:
I am trying to get a succession completed. They keep asking for the same info again. First this is not signed .now this info is out of date, because the first info they ask is out of date now they want more info with the same previous info again. I have been fighting with Midland mortgage for three years now. I want them shut down today for incompetent actions.

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 2016-01-15 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: National Enterprise Systems, Inc.
State: ME

Complaint narrative:
Two to tree calls a day for the past 4 months from a " National Enterprise System '' to collect a debt that is not ours.

Company response to consumer: Closed with explanation