vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-29 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: FL

Complaint narrative:
My loan service company Navient agreed to lower payment based on my income XXXX 2015. I was forced to agree to their terms over voice recording and was not allowed any other method. I then asked for documentation of the agreement so I have proof of this agreement. After 4 months of calls and emails I only now received a letter and it states ab agreement to higher payments I never agreed to. When I requested the audio, I was told I need a court order.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I submitted an application for a mortgage with Bank of America. Their loan officer, XXXX XXXX XXXX XXXX, collected an application fee from me ( among other fees ) and assured me we could close in " 30 to 45 days ''. It has since been 95 days and BofA has still not come to a credit decision. XXXX XXXX has made assurances to me on countless occasions that a final credit decision is eminent, but each time the bank fails to follow through. He has stated repeatedly that the underwriter is " ready to give final approval '' and that my file " meets the guidelines '' for this loan product. 

Requests for paperwork have been few and far between, but in each case, I have responded in less than 24 hours. BofA simply refuses to come to a credit decision or provide any reasonable explanation for why they refuse to do so. Complaints to managers within XXXX 's office have simply yielded more false promises, " This week, '' " Next week. '' " By XXXX today, '' " By XXXX tomorrow ''. Each time, the new deadline comes and goes without any explanation. Now 95 days into this process, I have a growing concern that BofA simply does not with to honor the rate lock they offered me at the beginning of this process, which is now substantially under market. 

Thank you for any assistance you can provide on this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 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: OK

Complaint narrative:
I received the loan from XXXX/Navient on XX/XX/2012. I began making payments almost immediately and tried to maintain a consistent re-payment of $ XXXX. It has been 5 years now and my loan is still in the high $ XXXX {$6000.00}. I have called Navient several times to try and figure out why it does n't seem like I 'm making a dent in my loan at all with all the payments I 've been making. Sometimes even paying more than the required amount. 
I have contacted Navient on numerous occasions to inform them of my financial hardships, attempting to lower my interest rate as well as my monthly payment amounts. All I was directed towards was forbearance ( pushing the payment due date back a month or two ). This was not my main goal, as I am and have been trying to pay this loan off for quite some time now. They always ask me if I 'd like to sign up for ANOTHER loan even when I call to get my current one resolved. I do n't get the sense they are eager to help me repay the loan or even work with me in getting it taken care of. It seems like any payment I make almost increases my loan versus decreasing it. I am running out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I fell behind on my mortgage XX/XX/2009. I spoke with my lender, Bank of America and they instructed me to send {$1400.00} overnight to prevent foreclosure, which I did. I was told that this would bring me up to date and that they would respond with the next steps to take. Two months later they sent the money back and told me that it was a miscommunication and that they were going to foreclose anyway. I made attempts over the next 3 years to work with Bank of America but they refused to take any payments stating they would only accept the full balance, or they would proceed with the foreclose. 
Eventually I beat them back in court in the XXXX Judicial Circuit of Illinois and forced them to modify the loan. A {$2000.00} settlement payment followed from Bank of America to compensate me for the improper foreclosure effort. 
As a result of the improper foreclosure Bank of America has placed over 38 late / missing payment notations on my credit report, even though they would not accept payments during that period. Additionally, it was agreed during the loan modification that Bank of America would remove the late / missed payment notations. It was agreed that I could n't have been late or missed payments that the lender refused to accept. They now have simply forgotten that part of the agreement. 
I have attempted to speak with Bank of America regarding this complaint, but there is no one who is willing to address the modification, or even discuss the mis-reporting. This is having a huge affect on my credit score and my ability to refinance to get a lower interest rate. It has cost me thousands of dollars in high interest rates with other lenders as well.

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 2017-03-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ok, I have been going around and around with Bank of America and my most recent conversation with some executive named XXXX XXXX has put me over the top, upset. First of all, I had sent a complaint letter to Bank of America about benefits I had cut off, when they suddenly closed my account a year ago for no apparent reason. After this closure, I had built up a balance in a benefits account that they said they " Could Not '' return to me, as per policy. I complained and in XXXX 2016, I received a phone call from an account representative who said they would rectify my problem. Weeks went by, then in XXXX, I finanally called back and was told they were working on my account and would be crediting me back a {$37.00} late fee plus they were working on the {$15.00} and change benefits I wanted credit to my account. I asked then, what should I pay for my bill that was due and was told {$100.00}. I paid that and then I got a late notation on my credit report stating I was late, because I paid {$35.00} or so, less than what was owed. Ive written letter after letter explaining that I was told to pay the {$100.00} over the phone and this XXXX XXXX told me and I quote " I ca n't change anything without some documentation from you backing your claims ''. Well, since this was done over the phone first with an executive, then a rep, I do not have this and I told her this. I went on to say, there were multiple records of complaints I made, to XXXX XXXX, the CFPB and others, that she just needed to read over. She said she would not. Multiple times in our conversation, XXXX XXXX contradicted herself one minute stating she looked into my issue, then stated without records, she had nothing to look at, and I said it was because these were phone calls. I want this late removed from my file, as BANK OF AMERICA told me what to pay, I paid it and to this moment, I was never credited the {$15.00} or the other fees I was told would be credited, because these occured during my multiple complaints, in which I was attempting to adjust my balance correctly on my account. In addition, Bank of America and XXXX XXXX, stated to me and I quote " It is not our fault this occured and this is our position. Unless you produce proof, we stand by this and will do nothing more ''. How can I produce proof of a phone call??? I told her this and I told her this WAS her and Bank of America 's fault, not mine. I did what I was instructed to do!

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 2017-03-06 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: NY

Complaint narrative:
during my divorced i had to go into bankruptcy -- -- during 5 years in bankruptcy protection -- - XXXX dollar school loan accrued XXXX dollars in interest for a total of XXXX dollars -- is this leagle?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I received an invitation from Bank of America to open a Business checking account. I was offered a bonus of {$1000.00} after fulfilling a couple requirements as explained to me by the bank representative who helped me open this account. XXXX of the requirements was to open a Bank of America Business credit card. I did go ahead and applied for the Bank of American XXXX credit card with an annual fees of {$75.00} and was approved. The bonus of {$1000.00} was to post to my account within XXXX8 weeks after fulfilling the requirements. After not receiving my bonus of {$1000.00} I called the bank to resolve the issue. I was notified by the representative that I had to spend {$2000.00} on the business credit card within a certain period of time to qualify for the bonus of {$1000.00} This requirement of spending {$2000.00} was never disclosed to me by the bank representative who helped me open the account at the branch office located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Only after being charged a monthly account fees of {$29.00} for several months I was told that the representative will open a case for me and this was in XXXX 2016. The case reference number is XXXX. After two months there has been no follow-up from bank of America to help me resolve this issue and they continue charging me {$29.00} monthly fees. I am very disappointed with the situation as I was not made aware of all the requirements for this bonus offer and the Bank constantly charging me a monthly fees while this case still has to be resolved and further no feedback from the bank in the last 60 days for an open case. A Bank of this stature can definitely do a better job of communication. I would like to receive my bonus of {$1000.00} asap and have this issue resolved at the earliest.

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 2016-08-30 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: FL

Complaint narrative:
i never had a loan for XXXX college and now all this time they keep saying i do but no proof of master promissory note or exit counseling for loans for XXXX college. They are giving false information and do not want to provide provide proof i signed for a loan because i did not sign for a loan at XXXX college at any point .because they told me i would receive a grant for being homeless and disowned from family because of cultural reasons. now ten years later the Navient loan department ignores me hangs up on me and keeps beating around the bush and keeps putting me on defferement to collect interest and wont remove or give me proof of anything. and wont give me proof of my loan papers because there is none

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My loan amount increase while I was in deferment and I am currently enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 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: NY

Complaint narrative:
I 've been enrolled in autopay for years in order to benefit from the .25 % reduction in the interest rate on my account. I am about to close my current bank account, and have already opened a new one - I tried to enroll my new bank account as my autopay account BEFORE cancelling my old autopay account on Navient 's website. That did n't work, so I called them around XXXX on Monday, XX/XX/XXXX and spoke to a woman named XXXX. She cancelled my autopay and said I have to login in 24-48 hours to re-enroll in autopay with my new account, and that this month I will pay the extra .25 % in interest because I am not enrolled in autopay. I do not feel I should have to pay an extra .25 % because their system is set up to NOT allow a seamless transition. I am prepared to immediately have a new account enrolled in autopay - but their system is not. They should not penalize me because their system is set up poorly. In fact, I am sure they do this in purpose to take more money from people. This should not be legal, if in fact it is. 
Additionally - if I should have waited until after my next autopay to cancel my current autopay account - the rep should have advised me to wait rather than cancelling my autopay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Condo was returned to BofA in Chapter XXXX BK discharged XXXX XXXX, 2013. XXXX XXXX bought a pachage of properties from BofA has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by 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 2016-11-29 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: NV

Complaint narrative:
Reporting missed payments on my credit report when I was in deferment. Their website has no options for me to resolve this issue with them since my loans are now paid in full. Also, I was charged late fees and interest on the late fees when I do n't believe I should have been.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to 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 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
The number continuously calls, at least XXXX to four times a day, sometimes more. I always answer and every time I do the person in the other line never speaks, they just hold the line. Only once has a person ever spoken and when they did they asked for my social security number and said I needed to give them my number in order to move on with the process of the phone call. They have called everyday multiple times a day for almost two weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fidelity National Financial, Inc
State: CA

Complaint narrative:
The title company that handled a refinancing on my property was Fidelity. The Deed of Trust has a recording issue because it was forged and is void. A claim was filed against the title insurance by someone. Fidelity is being evasive by surpressing information. I trying to shed light on the situation by getting a copy of the claim. Fidelity is only turning over the policy initiation documents from XXXX and not the claim documentation from XXXX. What are your suggestions? What government agency governs Title Companies? 


Sent from XXXX Mail for XXXX -- -- Begin Forwarded Message -- -- From : XXXXXXXXXXXX : XX/XX/XXXX, XXXXTo : XXXX XXXXSubject : RE : subpoenaMorning XXXX XXXX, I sympathize with your request but, we have sent you everything that we have on this matter ( see enclosed ). We may not have handled the claim aspect you are interested in. Reserving us will be a waste of effort and we may send you the exact same material. I see other vendors involved on this matter. I suggest that you check with the banks, or XXXX Escrow Company on this matter. Perhaps if you go through the docs, see who else was involved, and serve them. 
Best of luck, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: PA

Complaint narrative:
Navient put my account on Deferment and Forbearance as a " courtesy '' without my knowledge, when I enrolled part time in online classes. Interest still accrued of course, while my automatic payment debits were paused for 1 year. Therefore, they secretly accrued more interest without my knowledge. After a 1 year deferment, they rolled on a 2 month forbearance as a " courtesy so that I did n't get surprised when the deferment dropped off '' according to their agent on the telephone. Makes no sense, if its on automatic payments another 2 months of forbearance is not a courtesy. Furthermore, their communications to me in email are all using vague language and so I never knew these changes were being made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01 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: AL

Complaint narrative:
They call before XXXX on Saturdays. It 's disruptive and annoying, plus it 's an robocall, which makes it even more annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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: FL

Complaint narrative:
They refused to provide me with a payment ledger. They have not posted all of my payments to my account. Subsequently, my account has become default. I still have not received the documents and now they are calling me each day harassing me saying my life will be ruined if this goes any further. I offered to begin paying monthly payments of {$100.00} beginning next month but they refused.

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

Complaint narrative:
Sallie Mae was the original loan source until they changed their name to XXXX. I called and asked for help repeatedly and I was never offered help until they sold my loan to collections, which we all know is still Sallie Mae, but they charged exorbinant amounts of interest on top of my already 16 % rate. When I graduated they wanted me to make a payment of over a {$1000.00} a month. Not to mention the fact I could not find a job as my school falsely advertised I would making what thwy said I would. I was taken advantage of and did not have the priviledge of informed and involved parents to tell me this school was a bad idea. My original loan was near XXXX which has ballooned to well over XXXX. Not to mention the hundreds of thousands of harrassing phone calls every single day. Even Sunday. No day is sacred. Even after XXXX. I wanted a better future and now I am strapped with a loan I will never be able to pay until the day I die, then it will be erased. Unless I get a loan modification it is utterly hopeless and now my credit is destroyed because of this loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: NC

Complaint narrative:
I originally took out a loan from XXXX to pay for my education at XXXX university. Since graduating, XXXX has sold off my student loans to other debt collectors including Navient & now XXXX. After receiving multiple calls a day from XXXX- I finally answered. A woman went through all of my financials to come to the conclusion that I had no extra money lying around monthly to make minimum monthly payments. She then suggested I borrow money from friends and family to pay off their debt. Umm no, if I had that as an option to BEGIN with for my education i would have used it rather than take out a private loan with an extremely high interest rate. Then she suggested I take out another loan to pay for their debt they are collecting. Again, NO- if that was so easy I would have done it already ... and isnt it illegal for a debt collector to suggest I take out another loan to pay off their debt? 
Finally, the last option she gave me was a settlement of paying a significantly less amount of $ XXXX instead of the $ XXXX she said my balance was, yet she couldnt put anything in writing to validate this was an agreement. yet she wants me to agree to something so significant without any sort of validation or protection for me. 

It has been a week and I have received 34 calls from them since then, and not one email or anything in writing that states my total balance or any thing that was spoken about on the phone. The harassment is UNREAL.

Company response to consumer: Closed with explanation