vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-21 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: CO

Complaint narrative:
I am in debt to Navient, or XXXX XXXX - not sure how everything works. Anyways, my XXXX 4 years ago and I submitted paperwork through the Navient site to have my loans dismissed. I guess I got some of my loans dismissed, but others were still active? 

The loan serviced has been ringing me off the hook for months and XXXX me around just as long. 

When they called a few months back and I explained I should have everything dismissed due to XXXX they said that the paperwork I filled out was only for a specific set of loans and not the ones they were calling about. 

I asked them where I could find the paperwork to print out for the remaining loans and they said, " You ca n't print those out, we need to send them to you. '' Alright - cool, that was literally months ago. I 've spoken to them twice since but basically refuse to pick the phone up because of their sharkish practices of calling me at all hours of the day and night. Who calls past XXXX or XXXX - honestly? 

The loan provider somehow is incapable of getting me the necessary paperwork to fill out for my XXXX, but are perfectly capable of getting repayment reminders to my mailbox. 

I 'm at my wits end - I do n't know what to do to try and deal with these crooks. 

Oh, yea, Navient - I know you 're having the pants sued off you as we speak. 

I do n't know if this is the proper channel to go through to try to find some help, but I really hope you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.

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 2015-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this " trial '' period I could only make payments in the amount due even though I offered to pay more, even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan, only the amount due each month. Even though my loan was approved, the bank then submitted a delinquent notice to the credit agencies. In turn my credit rating quickly dropped from XXXX XXXX very good XXXX to XXXX XXXX fair ). I have responded to all bank requirements regarding this loan in order to avoid any negative credit reporting. The bank did not advise me that upon loan extension approval that I would be reported as delinquent. The bank misrepresented the consequence of the loan extension and unfairly and unjustly damaged my credit rating. I feel that consumers need to be protected against such improper banking practices. Full transparency must be a requirement. I request that the Bank of America be required to fully disclose their delinquent and unfair handling of my account so that I can restore my very good credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Describe what happened so we can understand the issue ... 
Santander Bank Mail Code:XXXX XXXX. XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX XXXX XXXX and XXXX XXXX XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX XXXX XXXX from XXXX, XXXX, XXXX XXXX XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :

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
Consumer complaint received 2016-12-06 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My husband and I were supposed to close on our home in XXXX, FL on XX/XX/<YYYY> An email was sent by, who we thought was our realtor, to my husband 's email address with the wire information : Bank Name : XXXX, XXXX, XXXX, PA XXXX Account Name : XXXX, XXXX Account # XXXX Routing # XXXX We transferred the monies over to that account at around XXXX ( give or take ), at which my loan broker XXXX me with the realtor stating that, that email was n't from her. I immediately contacted BoA to put a stop and filed a claim on this transaction. The wire amount was for {$26000.00}. 
On XX/XX/2016 the claim was closed because BoA had the claim open as a " check fraud '' claim. 
On XX/XX/2016 we re-opened the case to the correct claim. 
My broker 's risk XXXX has been in contact with BOA, XXXX, the FBI and we did file a police report as well. 
Apparently, XXXX has the funds stopped. BOA, and XXXX are not communicating with each other properly and everything has been on a hold since XX/XX/<YYYY> The closing was extended for a couple of days being that if the funds were stopped and if everything went well, we would have those funds back immediately, and we could close on our house. 
As of today, XX/XX/2016, BOA sent numerous attempts to collect the monies back from XXXX, and now were are at a stand still. 
On XX/XX/2016 XXXX emailed BoA back regarding the monies. 
On XX/XX/2016 BoA stated that we were in good standing with BoA and XXXX and everyone was cooperating. 
On XX/XX/2016 BoA told us that XXXX denied the request and BoA attempted to close our case.

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 2016-11-18 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: CA

Complaint narrative:
For years, Bank of America has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.

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 2016-08-31 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: LA

Complaint narrative:
In a previous compliant, Navient stated I did not attempt to return their calls from XXXX XXXX and XXXX, 2016, to discuss my account regarding retracting negative information in my credit reports. This statement is inaccurate. 
I did return XXXX XXXX XXXX 's calls on XXXX, XXXX, XXXX, XXXX and XXXX, 2016. I was unsuccessful in speaking XXXX XXXX, but I need speak with their representatives, XXXX, XXXX, XXXX, and XXXX, respectively, in an attempt to contact her so that I could speak with her. I still was unable to speak with XXXX XXXX, and she did not return my phone calls after XXXX XXXX, 2016. However, instead of speaking with me, personally, she relayed messages through representatives XXXX, on XXXX XXXX, who told me she was researching my case and will return my call. She never returned my call. XXXX, on XXXX XXXX, stated, she stated the negative information was retracted and will be sent to credit bureas. On XXXX XXXX, 2016, XXXX stated that it had to be sent to thr credit department for approval, but it will be retracted. 
I was given misinformation and my attempts to contact XXXX XXXX XXXX ignored. I was never given the opportunity to discuss my account in more detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.

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 2017-02-01 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: MA

Complaint narrative:
After requesting to increase my student loan monthly payment several times, Navient did not follow through. I have been trying to pay off my loans faster since there is no pre payment penalty I called Navient multiple times and requested them to increase my monthly payment amount. Every time I have called they said they will implement it by 1 or 2 cycles but is yet to do it and it has been over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: TN

Complaint narrative:
I enrolled at XXXX here in XXXX, TN back in XX/XX/XXXX. Moved into my dorm the same month. I applied for financial aid and it was awarded to me. I never received a schedule, nor books. My financial aid advisor later informed me that I would have to withdraw or take out an additional loan, because I did not have enough money to cover my cost. I ended up withdrawing I think in XX/XX/XXXX. Till this day XX/XX/XXXX, I 'm still struggling to pay a loan for a school I never attended. Due to my age my mom an I went to the school and spoke with The President, and he promised to get back with us, and we never heard back from him. We were told that the financial aid advisor had been fired because she was stealing the money, and nothing on my end could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: VA

Complaint narrative:
In XX/XX/XXXX I called Navient to find out why I was receiving a statement and what I could do to lower my payment even though I should not be in payback status right now ( I filed a previous claim with CFPB in XXXX and then disputed Navients false dates of school enrollment and forbearance period and deferment period on XX/XX/XXXX ). As a result of this call the customer service agent said I used all of my time I was upset because I knew I had not used that time and I should not have been in repayment. She apologized and offered to reduce the payment and said it will not be effective in time for the payment due in a few days. She never told me to contact the financial assistance department for options on reducing or setting up arrangements all she said was I was able to lower your payment from almost {$400.00} to {$250.00}. It was not until months later that I learned she placed me in an interest only plan with no payment going to the principal. I did not ask for that, I did not agree to that, and nor would I have agreed to those terms. I work in accounting and finance I understand how interest only payments work! This blanket intentional assigning of clients to payment plans they did not agree to, deferments they did not request, not properly informing clients of other repayment options, and making it difficult to repay is downright wrong and scrupulous. XXXX the Navient XXXX XXXX never returned my call once he saw and confirmed that the dates of enrollment were incorrect on their end in addition to confirming that in XXXX ( after XXXX XXXX created Navient XXXX placed me in a blanket deferment status and should not have done so. He was supposed to be working on finding out if they were going to restore the entire year that was lost after I forwarded from the school my official enrollment dates. I called and called and he never called back and never confirmed that he or his office ever received the official enrollment transaction in order to restore the erroneous lost time. I am completely disgusted with XXXX XXXX and Navient for not taking ownership of the mishandling of these accounts prior to XXXX XXXX creating Navient right on down to Navients current deceitful practices and operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I Have a mortgage note with Bank of America since XXXX XXXX, 2007. My loan has been current thru the duration of this this note wit the exemption of a few late payments. I have been trying to modify my rate as it is at XXXX for a jumbo rate. 
I have been told that because my loan is current they would not modify my loan. Bofa had put me thru the modification process several times for years before I finally had a rep tell me that because I have a jumbo loan and current they would not provide any modifications like the do for people under $ XXXX k and delinquent. I feel that since I qualify for a modification otherwise and people with jumbo rates have been modified this is inequitable and I need someone to review my loan and get back to me as I have been round and round for over 5 years. This is discriminatory.

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 2016-11-17 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Bank of America at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
This is a case of identity theft. Navient Solutions ( A spin-off of XXXX XXXX XXXX ) is attempting to collect a debt from me that is n't mine. Over the past several years this debt has been reported on my credit report and has been disputed with each Credit agency. Periodically I would receive collection calls from various agencies attempting to collect the debt which in each instant would be higher that the last because of interest. In the past 2 months I have gotten XXXX letter and XXXX calls trying again to get me to pay on this debt. I feel there is no other recourse at this time but to file this complaint and seek legal assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
Ditech/ Greentree started foreclosure on a property that I used to live in. The house was foreclosed on in XX/XX/XXXX by XXXX. Ditech started foreclosed in XX/XX/XXXX. Ditech admits that they should have never had the mortgage and they took it off of my credit report. However they say that the account will remain open. Which makes no since if they should have never had the mortgage. Ditech says I owe them no money. I need them to report to the credit bureaus that the account is closed and that I owe them no money. Also XXXX says I owe them no money. I 've talked to both companies and each company tells me to contact the other company. If I owe neither company money I do n't see why they ca n't close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 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: NY

Complaint narrative:
NAVIENT and XXXX have made it difficult to repay the loans they have requested and exuberant amount per month stating that I do not qualify for income based repayment which I do n't understand because I 'm a single parent with a teenager in XXXX. And when I tried to send what I could afford they said it was not acceptable. So I keep putting the loan in forbearance because I ca n't afford the payments and they make it difficult to pay.

Company response to consumer: Closed with explanation