vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
This company is continually harassing me by calling me six to seven times every day. I do not wish to communicate with them and has written them letters on two different occasions to this.

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
I was paying XXXX payment towards my school ( XXXX XXXX XXXX ) loans for a couple of months, then I rec 'd XXXX different letters with XXXX different addresses from Navient stating that I was late on them. This was a shock bc I was paying a little more than the minimum payments. Then come to find out my payments were only going to XXXX loan and not being applied to all my loans ; therefore I was late. Then I made XXXX big payment in hopes to be up to date, but then was notified I was late again bc the loan dates are different on my loans. Then I come to find out that XXXX loan payment is different and is not part of Navient but should be paid directly to the school. It has been most frustrating bc I am being told that I am always late and my minimum payment has ballooned up to $ XXXX/mos for Navient alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My friend transfers fund to me according to my mobile number and I got a text from BOA saying that my account will be credited. However, I actually did not get the fund. The BOA said that the fund was transferred to the person who had this phone number before me because the phone number is bounded with his/her account, not mine. The BOA has tried to contact the person who received the fund, but got no response. The only solution BOA provided is to suggest me to call a lawyer to sue that person who received the money. XXXX reasons that I wan na make a complaints to BOA : ( 1 ) My friend is required to input the phone number and the recipient 's name ( My name ), but the fund actually went into a person with different name. The BOA did not match all the information. ( 2 ) I got the text from BOA saying that " xxx sent you xxx. Your account will be credited ''. " Your '' here should refer to the person who currently have this phone number, who should be me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Prosper Marketplace, Inc.
State: NY

Complaint narrative:
I have received an e-mail from a Prosper that my personal loan application was declined and stated that my XXXX score is XXXX. I called Proper and I spoke to customer service rep who confirmed my Ss and DOB and refused to informe me who have appliec on my behalf or the source of their info, she stated that it wo n't affect my credit while they have a full info on me. 

The name is Proper Marketpace Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It XXXX Concern : XXXX XXXX, XXXX Experian XXXX. Box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The following creditors have made unauthorized inquiries onto my credit report. 
Please contact these creditors and provide me with a complete written explanation for precisely why they have obtained my consumer credit report. I did not authorize these credit reports to be obtained and I want an explanation : XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX XXXX Date : XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Tried to access my checking account with Bank of America and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account.

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: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I refinanced XXXX of my XXXX loans through Navient. When the loan went through, the amount was larger than the the loan I was paying off, and the rest of that money went to the remaining loan and satisfied several months worth of payments. During this time they were accruing interest, and it was n't billed to me. It was only visible on the statement, not on the setup screen for payments on their website. So I had no idea I was being charged this amount of money for interest each month. So now, because I paid early payments for several months, I have to pay down nearly {$500.00} worth of interest before I can even pay towards my principal. It was nice of them to automatically decide for me to take the money and put it towards several monthly payments instead of making one payment toward the principal. And I had to hunt down a number through XXXX just to be able to talk to a human. All of their " main '' numbers are just there to force you to make a payment, and will not let you talk to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have asked several times for them to stop calling me at work. They have called my HR department and several co-workers to contact me. I have repeatedly asked them to not contact me at work and it wil not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in " HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the " XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Bank of America branch in downtown XXXX at XXXX XXXX time, Bank of America is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of " MONEY LAUNDERING '' in a " PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Bank of America Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Bank of America and its Directors, CEO, Agents and employees ' are held to the " HIGHEST ESTEEM '' to safeguard the public form " FRAUD '' and " MONEY LAUNDERING '' within their institutions, " THEY HAVE FAILED ''!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX issues:1. My XXXX payment was made on XXXX XXXX, 2015 and was not credited to my account until after I emailed the CEO, XXXX XXXX, on XXXX XXXX, 2015. In my email, XXXX of the things I requested as follow-up was a written response informing me if my XXXX payment was reported as a delinquency to the credit bureaus. I never received a response and would like an update. 
2. My XXXX payment was made on XXXX XXXX, 2015 and has n't been credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank of America, Bankruptcy Dept. referred my mortgage to nationstar XXXX XXXX. BOA told me I was in good standing and they did not see where I had missed 8 months of payments. XXXX credit report shows all payments have posted on time. XXXX send a letter saying I was 8 months behind in my countrywide mortgage paid to Bank of America. 
My primary mortgage shows no history on my XXXX credit report and the XXXX credit report. I have spoke to XXXX on XXXX XXXX XXXX, and she stated a check from the trustee came in on XXXX XXXX and it was sent back to the trustee since my loan was sent to XXXX. 
I need for XXXX to get good data showing my mortgage payments. I have bank statements and all months were paid XXXX through XXXX XXXX when the loan transferred to XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25 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: CL Holdings LLC
State: NM

Complaint narrative:
Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong. 

The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and 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 explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.

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 2015-07-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of mortgage fraud and have been trying to resolve this since 2008 and have not been able to. I received a call from XXXX XXXX stating that he was a representative from Country Wide who helped customers that had problems refinancing their homes. My understanding with XXXX XXXX was that I would refinance my home on terms suitable and I agreed ( after several meetings ). Later, XXXX XXXX told me that I would benefit from a " special financing '' program and that this was the only way to refinance my home. The special financing was that I could remain in my home and have a lower mortgage payment. I did not understand that the special financing was to tell my home to a third party and then have it Quit Claim Deeded back to me ( I learned this after the fact ). 

XXXX XXXX told me that I would need to make payments for the mortgage to XXXX XXXX XXXX in XXXX XXXX, CA ( which I did ). Several months later notices started coming in the mail for XXXX XXXX so I decided to open one. At this time I found that a XXXX mortgage had been obtained and payments were not being made ( I had no idea about this ). I went back and opened others and found out the XXXX mortgage payments had not been made either, despite the mortgage payments I made to them on-time monthly via cashier check. I contacted XXXX XXXX immediately and he told me payments had been made and it was a clerical error. That he would get back to me and never did. 

My son and daughter-in-law insisted that I contact the XXXX XXXX County District Attorney 's Office and I did just that. The DA conducted an investigation and Investigator XXXX XXXX informed me that this act was deemed fraud and issued me a case number ( case # XXXX ). He also informed me that the FBI had been notified and that XXXX XXXX and his associates had been doing this type of business throughout the XXXX XXXX XXXX XXXX as far as XXXX and further. I have contacted B of A on several occasions and they have not helped me. I filed for bankruptcy protection ( chp. XXXX ) and that did not help either. I have attached documentation proving the company that refinanced my mortgage was sanctioned for fraud by the California Dept. of Real Estate. I hired an attorney in 2008 and Bank of America refused to respond ( the original loan is a Countrywide loan ). Today, no attorney will take my case and I am now at risk of losing my home to foreclosure. I have attached supporting documentation. 
My home loan is in the name of XXXX XXXX who quit claim deeded the property back to me. After the XXXX XXXX County DA 's Office Inspector XXXX XXXX investigated this matter, he informed me that XXXX XXXX does not exist and that I am a victim of mortgage fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I paid off my credit card in full on XX/XX/XXXX with Bank of America on a closed account. On XX/XX/XXXX I received a bill from Bank of America for {$1.00} cents. When I called to ask were this charge came from the phone rep said it 's the minimum charge for all credit cards. I told her that my account was paid in full on XX/XX/XXXX and has been closed for over 10 months. She said that makes no difference and if I do n't pay the {$1.00} I will be charged a {$37.00} late fee for every month it 's not paid. I checked the statement they provide online and it does n't show anywhere this {$1.00} came from. How can I be charged a minimum charge on a card that 's been closed for ten 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 monetary relief
Consumer complaint received 2017-02-06 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: MI

Complaint narrative:
I have student loans with Navient and have been trying to arrange a payment plan with them for over a year. Every time that I speak with an agent, they tell me my only option is to pay {$100.00} and put my loan in forbearance for XXXX months, at which time I would do the same thing and the cycle would repeat itself. I know that I have been accumulating great amounts of interest by doing this and I spoke with an agent today because my loans have been XXXX days delinquent. I understand that is my fault and what the consequences are regarding my credit score etc, but I have asked a number of times to try and set up an income based plan. Today, the agent told me to do that, my co-signer ( mother ) would have to submit her income for them to review and make a decision, not my income. I asked why they would want my cosigner 's income, and not mine - the person who should be responsible for the payments. She told me that is how things are and that I have to pay the amount now or have her submit her income, which I know will not lower payments as she makes more than me ( which I am sure is the case for many student borrowers ). I asked several times for them to work with me and said that I have every intention of paying them and want to make payments. She still gave me no options. I am extremely stressed out over dealing with this and can not believe that there is no option for me to set up a payment plan. I have never had this sort of problem with any other company and I do not understand why MY payments would be based off of what my cosigner makes. I spend hours every day stressing out about this and am constantly getting calls from them, at least XXXX times a day. Their voicemails always say that they are willing to work on coming up with an affordable plan, but every time that I speak with an agent they tell me I have no options on working out a repayment plan. I know that my credit score is being destroyed by this company and every attempt I make to arrange something gets me no where. This time, the agent even hung up on me after she ordered me to tell my mom that she has to make the payments for me and that they have to be paid now. I just want to be able to arrange a repayment plan with them that is more affordable for me as I have an entry level job and am responsible for living expenses, groceries, utilities, car payments, and other college loan payments among other common bills for young adults living on their own. I do n't know what else to do, because every time that I speak with an agent I get no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: MA

Complaint narrative:
My son stopped paying his student loan because of a divorce. By the time I found out he was behind he was almost in default. I am the co-signer of his student loan that was XXXX and is now Navient. I have taken over the payments because he just can not afford to pay them. I have spoke to Navient on several occasions to try and work out more affordable payments but they say I need my son 's information that I can not get. 
the loan is presently {$1700.00} past due. with a 10 % interest rate. I have made several attempts to bring this current but they have not been willing to help me get an affordable monthly rate. they will not decrease the interest rate, put the past due amount attached to the rear of the loan. I have been paying the monthly payment of {$250.00} -- the actual monthly payment is {$240.00}, trying to get the past due amount down since I can not pay the full past due amount. I pay {$250.00} /month and only {$37.00} is going towards the loan the rest is interest upon interest. Now I see the interest rate was changed from 10 % to 10.25 % - so instead of paying {$200.00} in interest it is {$210.00} .... how can I ever catch up or make a dent in the payment. 
original loan amount was {$17000.00} -- - now the repayment balance is {$26000.00}. PLEASE need HELP as soon as possible.

Company response to consumer: Closed with explanation