vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Beginning of XXXX 2016, i receive a credit from a company called XXXX in the amount of XXXX and my bank that i bank with, which is bank of america did not credit my refund from the merchant into my new bank of america credit card, I tried to explain to bank of america. But there was little that I could do about this. I filed a clain. And once i filed a claim bank of america supposed to credit the money to my credit card, then complete the investigation or untill the investigation is over, because not only bank of america misinforming me, they are also not wanting to give me my money. It has been one week and 5 days since the merchant credit my account.

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 2015-10-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I started a re-fi on my current main mortgage. During the process my wife accidentally paid our mortgage payment to a credit card from the same bank. ( Bank of America ) Once we found the error I promptly called my re-fi agent and asked him what I should do to make sure the re-fi went through as scheduled. He had me call mortgage customer care. I spoke to a gentleman there, agreed on a payment date and made the payment on that date which he promised would keep me current and work for the re-fi. They still cancelled the re-fi and told me they could not see the notes the care agent entered. I told them this was not fair and that it is not my fault they have a technology problem. We even went to a branch to pay in full and they told us we did not have to as it did n't show in the system we were overdue/late I called mortgage customer care and demanded escalation. The escalation agent agreed that this should not have happened and she would help take care of it and call me on my cell in 48 hours with a resolution plan. Never got the call back. I called in and no one could help me. By this time I was already receiving foreclosure notices ( Have faithfully paid this mortgage for over 13 years ) and then suddenly the bank sells my loan after servicing it for 13+ years. Now I am in a bad financial position and it is the banks fault as I followed everything they told/asked me to do. And I am out the money I had to pay out of pocket for certain fees. This re-fi should have been a simple and quick HARP deal and because of an honest ( And documented ) mistake I was thrown into possible foreclosure. I will be calling the state provided lawyers in the foreclosure documentation and would also like to know what you recommend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Called yesterday XXXX/XXXX/XXXX to get help concerning student loans with are behind due to wife becoming XXXX and currently can not work due to neck and back surgeries which have not worked thus our House hold income has been reduced by XXXX. What a joke their customer service is. The first line agents know and do nothing, placed on hold each time she had to see if they could help me ( Multiple times ). With all there supposed programs they can not help people in trouble. Been laid off three times ( XXXX XXXX XXXX, caused by the US Government ). At the time XXXX XXXX said I only qualified for a forbearance, never offered any other program or help. Thus around a {$40.00} loan now over {$75.00} ( almost doubled, over {$30.00} in fees and compounded interest ), it is like the banker having the key to the vault, or a payday loan company. I see now why they did not offer me any other helpful programs, they are really just Congresses loan sharks running the system! They get to have their cake and eat it too. I graduated in XX/XX/XXXX, I am XXXX years old. I will never get to retire. The way it is gong I will be dead before these loans are paid off. I am not asking for a free ride, just some real help. Piling more and more fees and compounded interest is not help, it is just helping someone dig a deeper hole in watch one can not get out of at almost XXXX years of age. I am also a XXXX XXXX vet and yes used part of my old GI bill to start college, but the old bill was canceled and thus had to get loans to complete college, while raising a family of XXXX, working full time, and helping put my own kids in college. No Vet should be saddled with college debt at least for a XXXX Degree. Also why do they base the help on Gross income? The US Government takes almost a third of my income out for taxes ( my money that can not to be used to pay my bills ) and that does not count the USG 's requirement to have Health insurance ( More costs ). The US Government created this mess they need to provide real help and fix it. The system has already made enough money off me already. Also they call me at least three or more times a day all hours of the day up to XXXX XXXX.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have multiple student loans ; I have an XXXX Degree from XXXX College in XXXX, N.J., a XXXX Degree from XXXX XXXX College in XXXX, N.J. After my job was outsourced I decided to make a complete career change and go to XXXX XXXX College in XXXX , N.J. to become an XXXX, I made it all the way though school but was unable to Graduate due to financial issues- I need several hundred dollars to take a final test and independent study course and {$200.00} to take the XXXX exam. I simply could not afford those tests ; I was having minor health issues and I have been experiencing financing hardship. I would have preferred to make a small monthly payment instead of putting my loans into forbearance but I was told that forbearance was the best option for me. The interest on my loans has increased by about XXXX dollars in the past 4-5 years. How is that even possible? I am only working part-time. I have been trying to find a better job for over two years. However, my car is over 20 years old and is very unreliable, so my options are limited. Further, when I do find a job I ca n't see how I will ever be able to make my student loan monthly payments- which at this time are almost {$800.00} per month. I now regret taking out the loans and I feel like I was misled. I believe that XXXX/Navient purposely steered my toward forbearance, even though they were fully aware that interest on my loans would greatly increase, making it impossible for me to ever afford repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: UT

Complaint narrative:
There were several times that I could not afford to pay off my loans. I was told about the forbearance option which I found out later that they were adding the accrued interest to my principal balance which led to me paying much more than the actual loan. I am paying now interest on top of interest from taking the forbearance option.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: MN

Complaint narrative:
See attached documentation. Requesting modification based on lack of significant change in principal balance following 7 years of positive payment history.

Company response to consumer: Closed with explanation
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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
In response to the news about various complaints made against Navient, I wanted to also share my experience with the student loan servicing company. I have student loans from my XXXX eductation that my mom pays for. They were set up to automatically withdraw from her account and had been since I graduated nearly ten years ago. I do n't pay much attention to them because she pays them but they are in my name and attached to my credit report. I started a XXXX in 2015. Upon enrolling Navient automatically stopped the auto-withdraws from my mother 's account without asking permission to do so or even so much as informing either one of us. While you are allowed to stop payments when you are enrolled in school, you still accrue interest. I never intended to stop it nor did my mother. After a few months, she noticed it was no longer withdrawing and thought maybe it had been paid off. She asked me about it several months later. Luckily I was still enrolled in school so the lack of payments did n't impact my credit, but neither of us were aware that they had stopped payments and thus neither of us would have been aware that we would need to set that up again once I finished. I went online to try to set up payments again and could not do it. ( I have attached a screenshot of the screen to set up auto-payments where it says my accounts are not eligible ) Therefore, my loans, which my mom had no issue continuing to pay, are sitting there accruing interest because they wo n't accept auto-payments while I am in school. I believe this was a deceptive practice designed to create more income for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XXXX 2015 I rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-01 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 became XXXX and lost a huge portion of my income. Navient kept piling interest on my loan while I could not pay my loan. Navient informed me that if I choose to request forgiveness of my loan, I still have to pay taxes on the forgiven loan amount as if it was ordinary income. If I could n't afford to pay my student loan payment, how in the world would I be able to pay the IRS half the total value of my loan plus interest?????? Not possible! This is a catch XXXX for loan recipients who become XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 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 AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE BEEN IN ESCROW TO COMPLETE THAT TRANSACTION. BECAUSE OF BANK OF AMERICA 'S INCOMPETENCE, XXXX BUYER HAS WALKED AWAY. ON XXXX XXXX OF THIS YEAR MY REAL ESTATE AGENT FAXED INTO BANK OF AMERICA ALL REMAINING REQUIRED DOCUMENTS FROM THE BUYER. ON XXXX XXXX, XXXX, THE NEGOTIATOR COULD NOT FIND THE DOCUMENTS. FOR A COUPLE OF WEEKS WE WERE ATTEMPTING TO SEND AND VERIFY RECEIPT. THEY BUYER FINALLY CANCELLED. IMMEDIATELY AFTER THE BUYER CANCELLED WE INFORMED BANK OF AMERICA AND WAS FORTUNATE ENOUGH TO RECEIVE ANOTHER BUYER AT FULL LISTING PRICE. BANK OF AMERICA BLOCKED US OUT OF INPUTTING THE INFORMATION INTO THE XXXX USED FOR THESE TRANSACTIONS. IT WAS NOT UNTIL XXXX XXXX, 2015 THAT WE WERE ALLOWED TO INPUT THE NEW BUYER INFORMATION. BANK OF AMERICA DEVIOUSLY CLAIMED THE SALE WAS TAKING TOO LONG AND SET A FORECLOSURE SALE FOR XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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 sent in documentation to complete a co-signer release from my loans. The form was submitted and I was advised that there was a 14-30 day processing period. I have now been contacting navient for over 3 months and they continue to tell me that my application is being " processed ''. I have inquired if I need to send in additional documentation and was told that I have done everything I was supposed to do. The last call over 1 month ago I was told the request was being " expedited '', yet when I called again today I was advised that the paperwork to have my co-signer released is still being " processed ''. I need to have my co-signer removed from my loans. I have satisfied all the requirements identified by Navient to do so, yet they continue to keep the co-signer on my account and refuse to process my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir, I have a one Month past due on my credit card payment. 
The bank unilaterally withdrew {$1000.00} from my checking account and applied it to a credit card number which is no more active - but did send the money to the current the credit card. 
-There is NOT part of a scheduled / recurring payment plan -This not an E-bill 1.i went to my bank and a agent called customer care which could not justify the withdrawal or provide authorized document signed by me. 
2.I sent them a letter to my bank agent enquiring about the withdrawal and asked them the return of this amount. 

3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written " Speciality Claims research and Resolution '' stating the below : " what you need to know " " we are unable to return {$1000.00} at this time because your account is currently past due, over the credit limit or both

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 2017-02-16 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: AZ

Complaint narrative:
I called Navient on XXXX/XXXX/XXXX and requested that the payment of {$70.00} that I was then making over the phone be applied to the principal balance of my unsubsidized loan ( XXXX Direct loan, disbursed on XXXX/XXXX/XXXX ). The customer service representative informed me that he would apply my payment of {$70.00} to the principal of my " XXXX Direct loan ''. I further clarified, and asked him clearly, again, if the payment would be applied towards the principal, not the interest, and he told me that the balance of my payment made on XXXX/XXXX/XXXX would be applied towards the principal. I told him if the payment was going to the pricipal, that I would make the payment, he agreed, and so I made the payment. 

I called Navient today ( XXXX/XXXX/XXXX ) to confirm that the payment made on XXXX/XXXX/XXXX was applied to the principal, and was informed that the payment made on XXXX/XXXX/XXXX was not applied to the principal, and that it was applied to the interest. The operator on XXXX/XXXX/XXXX informed me that interest must be paid before a payment on the principal can be made. I told her that I wanted to speak with a supervisor, as that was not what I was told when I called on XXXX/XXXX/XXXX, and that I would be contacting the CBFB if she could not help me. She told me she would transfer me to a supervisor, but only put me on hold for approximately 10 minutes. The operator came back to the line, told me that they would go over the recording made on XXXX/XXXX/XXXX, and would call me back. I missed their return call, and called them back and spoke to another operator who told me that the payment could not be changed to reflect what the operator told me about applying the {$70.00} payment to the principal of loan XXXX on XXXX/XXXX/XXXX, and that the payment would indeed be applied to interest charges. I told them I would file a complaint with CFPB, and ended the call. I was never transferred to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for assistance in saving my home with my lender, Bank of America, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. My attorney confirmed Bank of America received my full and complete application and all financials. Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015 with a sale date set for XXXX/XXXX/2015. I am told per RESPA - Mortgage Servicing Regulation X XXXX, my servicer is not supposed to move forward with foreclosure ( XXXX ) if I have an application submitted XXXX days prior to any sale date. My application was submitted 41 days prior to any sale date. I feel my servicer, Bank of America, illegally recorded a notice of sale against me and is therefore now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions appear to violate RESP Reg x ( 1024.41 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: NJ

Complaint narrative:
This is in regards to the recent claims against Navient. I have had horrible experiences with the loan provider since finishing my XXXX in XX/XX/2013. They constantly try to tell me to pay more on my loans. I work for a non profit and make just enough to get by. On multiple occasions they have gone through my finances and said I would have enough to pay a higher rate. I sobbed and sobbed to them and after going through different avenues I had to fight for a rate that was somewhat manageable. It was to the point that I would n't have any money in savings and when I said do you want me to lose my home the man was inappropriate and laughed. This is n't the first time I have had horrible experience with the customer service agents there. They often laugh when I cried on the phone, disrespected me, and violated my privacy insisting they needed to know a complete breakdown of my expenses and said bases in my pay check, which is already little, I could pay a certain amount. They constantly tell me that their extremely high interest rates are normal and nothing can be done. I ca n't make a dent in the loans because of the interest rate. Hope this helps others experiencing the challenges with Navient.

Company response to consumer: Closed with explanation