vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I spoke with a representative on XXXX XXXX, 2016 about canceling a payment that had been previously set up as the funds were not available. She advised me to put the payment on a credit card and I told her I was unwilling to do that, she the proceeded to tell me what credit card options I had available to me. I never authorized for my credit to be pulled or looked at by the representative. 

While I owe over XXXX in student loans, ( over XXXX in interest and fees ) I have attempted to reach out to the company about trying to make some sort of payment, and while they have offered reduced payments to me they are still over {$650.00} a month which is unaffordable to me. The agent I spoke with informed me that since I had credit card availability and would not use it I did have the means available to me to pay and I simply refused to pay. The was berating and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been try to get mortgage loan assistance for a number of months from Bank of America. They repeatedly ask for information that had been previously provided. Bank of America apparently is stalling to the point where they wo n't have to take any actions. Note that information has been forwarded to them via phone, fax and XXXX XXXX. 

My loan number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America has, in two weeks time, tried to improperly take overdraft fees on my account with XXXX separate checks. The XXXX occurred when Bank of America charged my account XXXX day early for a monthly fee. After calling and complaining to a service rep, Bank of America admitted to the mistake and credited my account with the fee. The XXXX incident is far more serious. My check to the IRS for taxes was {$5900.00}. I sent this check in the mail on XXXX XXXX and it was cashed on the XXXX, thereby affecting my account. No check clearing days were given and my account was overdrawn. My paycheck hit my account on the XXXX, thus covering the check. The check to the IRS bounced, Bank of America hit me with a {$35.00} fee, and I now may be responsible for penalties to the IRS. Bank of America is now liable for any penalties that I incur as they provide no time for the check to actually clear as they do whenever I have a personal check issued. I ask the CFPB to investigate this incident thoroughly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 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: CA

Complaint narrative:
I am a victim of fraud and have submitted all paper to XXXX in regards to " Defense against Repayment '', for my federal loans.I am a graduate of XXXX 2009.My loans are thru Navient account # XXXX.I am current on my " private loan '', my federal loans are in deferment.My complaint is against Navient.After countless hours of research I was never notified by Navient that I was eligible for a class action law suit against XXXX.It is my understanding that my lender Navient should have notified me.I have called countless times in regards to information about XXXX and it is unexceptable not XXXX representative has any idea of what I 'm talking about.i have asked for assistance with private loan and have been told " what can be done has been done '' interest only payments '' XXXX a month .A loan that has grown from XXXX to XXXX.since repayment in 2009.I am gratetful that XXXX is getting what it deserves as I am a victim of misrepresentation that has destroyed me financially.I am XXXX in debt based on lies and fraud.I am requesting that Navient educate their representatives and if a class action suit is available against XXXX, I should have been notified by my lender Navient.I thank you for your time and any assistance I can get to pursue discharge of this fradulent loan Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: CA

Complaint narrative:
I consolidated my loans several years ago for a lower interest. Since then I have been making regular payments bi-monthly for more than XXXX years via automatic payments. In XXXX Navient received XXXX of the payments, and then returned the funds to my bank two weeks later without crediting my account, immediately before they accepted my next payment. I discovered this and contacted Navient. The representatives said they could not help me but would investigate and have someone call me back. 

I received no callback, but did receive a letter stating that because of the missed payment my interest rate was being raised because of the missed payment. When I called again I was told there is no department or person to handle disputes. All I can do is send in the documents from the bank showing the payment and refund. They can not tell me what they might do with the information other than forward it on to the payment department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-02 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: CA

Complaint narrative:
I currently am in graduate school and unable to pay for my education because Naviant defaulted XXXX of my private loans from college. I have been consistentlay making monthly payments of {$500.00}, but my total debt has yet to go down. I feel so enslaved and trapped. My mother has been helping me with the payments but no matter how much I pay the interest keeps rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: MA

Complaint narrative:
I 'm given to understand that the CFPB is investigating Navient. In early XXXX I was laid off, and Navient told me that forebearance was the only option besides a ~ {$450.00} combined monthly payment. I reluctantly agreed. After reading the investigation, I do believe these practices continued after XXXX and may even be continuing right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I initially entered a Bank of America branch on XXXX XXXX to apply for a home loan. I spoke with XXXX XXXX, gave him some documentation. He promised he would get back with me the following Monday. He blew it off. I contacted XXXX XXXX at Bank of Americato assist in completing the mortgage. He frequently ignored my calls at XXXX point I had notheard from him in 11 days. On XXXX XXXX I received a letter stating Bank of America promised XXXX back if they did not close witjhin 30 days. It has been 3 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Spoke with the case manager today XXXX XXXX about the Judicial Sales date set for XXXX XXXX .... All paperwork was submitted more than 37 days before the foreclosure sales date.. Asked XXXX why is the date still valid ... Due to the fact the paperwork was submitted more than 37 days before the sales date .... XXXX informed me the banks policy states they can keep the date up to 1 week before the sales date " Just In Case '' a modification is not feasible .... I stated this is illegal due to the new rules ... XXXX proceeds to say " What If I Do n't Accept The Modification or Ca n't Qualify '' the Bank will still have that date looming over my head so I will be forced to accept what ever terms the underwriters decides ( this is the conclusion I was able to understand according to what XXXX XXXX was trying to explain only what was written in quotations is what XXXX actually stated ) Included in the submitted documents I copied all the CFPB rules to ensure no confusion would occur unfortunately some sort of misinformation still takes place at this 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 non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have received endless calls from Municipal Services Bureau at random times of the day from the phone number XXXX. My phone number is on the " Do Not Call List : '' and the calls continue and wont stop from XXXX XXXX from the Municipal Services Bureau. I do not owe a debt. I want to file a complaint against Municipal Services Bureau due to constant harassment and fraud in order to collect a debt from me that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
Navient told me at XXXX point after i filed my bankruptcy that my balance was at a zero balance and discharged in bankruptcy and now they put it all back on and put it back into charge off this was a 2007 private loan and my federal loans have been approved for XXXX discharge and are now at a zero balance but the private loans will not approve me or let it go with my bankruptcy which i had to file XXXX and still no relief please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: NJ

Complaint narrative:
I do not appreciate the tone of the representatives from Navient who call and threaten to " move your file to the next step '' If you do not contact them by XXXX. Not only am I in the military ( XXXX ) I WORK too and also recently relocated to a different state a few days ago. I refuse to work with prying unprofessional rude people who do not have the common courtesy to help you out as apposed to questioning, WHY you can not pay something. If i do not have the money at the time, simply put I DO NOT HAVE IT but was willing to pay the following week. I have not been in my position for weeks to even come to a conclusion as to when I can pay before XXXX XXXX. I was willing and able to set up arrangements for XXXX XXXX, but received threats instead.

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: TN

Complaint narrative:
I currently have XXXX Private Student Loans with Navient. 
The combined original amount was {$8400.00}. I have been paying 5 years on these loans at about {$110.00} per month. 
The current loan balance is {$9600.00}. I have contacted Navient regarding my balance they are very vague and unwilling to give full details how much is applied to principal and unwilling to agree to a lesser pay off amount. It seems no matter what I pay the pay off date will be XX/XX/2025 and I want to pay them much sooner and Navient is unwilling to work with me or give me details of how interest is compounded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Bank of America, specifically a Master Card. The letter also says it is a " special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.

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 2016-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
I called The CBE Group, Inc because they sent me a email about a debt which I know about. I called to make arrangements because I want to get this paid. The gentleman I spoke to had a heavy middle eastern accent and I was telling him that I will make monthly payments starting XXXX XXXX of 2016. I think his name was XXXX or XXXX ... but he told me if I do n't setup automatic withdraws his company will continue to call me. I asked him to repeat his name because I did n't understand ; His reply was that he already said his name in the beginning. That 's the XXXX negative response because I 'm the consumer who is actually trying to take care of this matter ... I do n't deserve that treatment when a company wants me to pay them. I asked for his manager and he never transferred the call to a manager ; he placed another agent or changed his voice because he sounded just like the unprofessional agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BAC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started on XXXX XXXX, XXXX. 

The seller is DEAD - has been since XXXX XXXX, and Bank of America was provided the Death Certificate of the Seller, the Death Certificate of the XXXX Successor Trust Deed, and the Sellers Trust Docs ON XXXX XXXX, XXXX ******THESES WERE PROVIDED IMMEDIATELY UPON OPENING THIS SHORT SALE *********THE ISSUE WAS RESOLVED WITH BANK OF AMERICA AT THAT TIME ************ PLEASE SEE ATTACHED DATABASE NOTES - pages XXXX and XXXX *****************PLEASE SEE ATTACHED APPROVAL LETTER Now, however, Bank of America does not have the correct social security number in their system and they refuse to change it even though they have had a copy of the death certificate for 5 months. 

Bank of America has also taken it upon themselves to change the 'name ' of the seller t something that Title is NOT held in. There is NO SUCH THING AS ''The Estate of XXXX XXXX XXXX XXXX but bank of America refuses to speak to an authorized third party unless they say " The Estate of ... ... '' -- This can not possible be legal. 

Also - Bank of America refuses to talk to me even though I have been authorized on this file for 5 months - AND HAVE AN APPROVAL ON THIS FILE. 

Bank of America has decided for no valid reason that they will give us to cancel the short sale- This IS AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US XXXX 

Bank of America has decided for no valid reason that they will give us to DELETE ALL the information we have previously provided to them - This is AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US. 

THIS IS UNACCEPTABLE. No wonder Bank of America has received the most CFPB complaints since the creation of the CFPB in XXXX. XXXX does n't even have as many complaints as Bank of America, and XXXX does most of their servicing in third world countries with people that can barely speak English. 

It is pathetic that Bank of America has more complaints than a third-world servicer.

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 2015-08-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: FL

Complaint narrative:
I attended International Academy XXXX ( XXXX ). I 've graduated but have struggled to find a job in my field. 
My Private loan is now being serviced by Navient. Acct # XXXX was on a payment plan of XXXX per month which my wife and I were paying. However, in XXXX the payments spiked to $ XXXX. 
I called Navient today with my wife to provide all the necessary information to try to obtain a lower payment. The representative asked for our income and bills and we provided it. 

She then proceeded to say that we did not qualify for a lower payment, and that it was our fault for getting a more expensive car this year. She offensively said that we were not managing our finances well and that it was our fault we could n't make the payments. How dare she say this when she does n't know or even asked why the payment went up. Our other car broke down and we still owed XXXX on it, and we had to absorve that debt into the new car payment. XXXX We were helping him and his wife financially because she was pregnant and delivered on the same day XXXX 
This representative spoke to us with hate and a demeanor of discrimination because I have an accent, which is why I had my wife help me speak. She yelled at my wife and talked over her screaming for over a minute. We requested a manager and the manager basically did nothing. I asked for an apology from the individual and he refused. I told him that the way they were speaking to consumers was incorrect and I was going to file a complaint. They XXXX said go ahead, file whatever you want to file. I asked the manager to pull a copy of the call so he could hear all the disasters said by the other rep but nothing was done. 
At this point, after reviewing that my loan was XXXX initially and it is now at over XXXX, I 'd like a recalculation of all the money owed. I am almost positive it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XXXX/XXXX/XXXX I initiated modification proceedings in good faith with BOA. At this time I was receiving at least one call per day, including Saturdays. I also was told in the paperwork and in phone conversations that I would have a single point of contact which turned out to be several individuals who would continue to harass me XXXX to 4 time a week. Having completed and submitted paperwork which included a 3rd party questionnaire where I, being new to this, stated that I have had contact with a third party counselor and could seek their help if it would be beneficial to my cause. On or about XXXX/XXXX/XXXX I received the street comp valuation of my property. I soon found out that a trial offer had been submitted and when contacted by BOA was assured that I did not have to make payments til XXXX/XXXX/XXXX. Being right before XXXX and having been reminded every single time I was contacted that there was a notice to accelerate foreclosure that expired on XXXX/XXXX/XXXX, and that they did not need to give me any further notice to foreclose on my property. Being under this duress and the financial strain from a loss of income from our small business and my wife needing XXXX on XXXX/XXXX/XXXX which delayed her taking a job til XXXX I indicated I could accept their offer which apparently came through the Streamlined FHA Mod Program. My complaint is thus, I was not informed of the particulars of the modification except for the details of XXXX trial payments of {$630.00} then 6.75 % ( the rate on the current 30 year mortgage ) and for a term of 40 years. I still do not at this point know exactly what they will be financing, what fees they will expect me to pay and how charging me an extra {$40000.00} in interest makes this affordable. I was told that being that we were in financial distress and qualified for the modification my credit score would not be used to determine any of the parameters of the modification.

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 2016-11-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
For the past year, PNC of XXXX, PA has messed up my accounts. Today I was kicked out of the bank after trying to get this issue resolved again. Each month, my account is screwed up and getting past due letters. Now they tell me that XXXX account is blocked, but they do n't know why and am unable to make a payment. I started with XXXX bank for my mortage, followed it to XXXX and then to PNC. I have been a customer for over 25 years. Paid off my mortgage, and a line of credit for {$17000.00} and have been treated shabbily. Today they kicked me out of the bank and threatened to call the police just because I got upset that they would not take my change and credit it to my account. They said that if I wanted to use the change that I would have to return home, wrap it and then bring it back. Would NOT accept unwrapped coins. I am a senior citizen, XXXX and it is very hard for me to get around and to be told to leave, wrap the coins and then return before they would accept my payment. What kind of banking is that? Last month, I was assured that everything was taken care of and there would not be any more problems.

Company response to consumer: Closed