vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America was XXXX position mortgage on my home and failed to perform a title search and subordination agreement with XXXX lien holder XXXX XXXX XXXX XXXX. When I went to sell the home the XXXX lien holder told me they were in XXXX position as Bank of America failed to perform the appropriate title search. Contacted BOA and asked for them to process a title search and subordination agreement with XXXX. I was told to send a fax to the subordination department, which I did on XXXX XXXX, 2015. Called to follow up. Transferred four times. Disconnected from the line. Called again. Transferred three time. The final agent told me he could n't help me and did n't know where I needed to go. He asked me to start with a loan officer. One hour on hold and the bank does n't know how to file the appropriate subordination agreement and title search? This process has been ongoing for over two years in trying to get the house sold while avoiding foreclosure with Bank of America now failing to perform a title search and subordination agreement with the second bank now telling me to work with the first bank ( BOA ) and them not knowing what to do to fix the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
they sent letter of fraudulent misrepresentation and illegal collection activities

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 2015-11-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I deposited a cashiers check for {$2900.00} at Bank of America ( BoA ) in XXXX of their atm machines. The next day ( a XXXX ), after clearing, I withdrew all of the cash. I then used the money as instructed from an advertising-wrap agency to send the money to an actual wrap applicator. This all showed up in my checking account XXXX days later on Monday. XXXX days later on XXXX, my debit card was declined. Investigating online in my account, an in-processing debit transaction showed up for the same amount as the cashiers check ( - {$2900.00} ). I called BoA and they said they were investigating. XXXX, the next day, the transaction was fully processed as a chargeback item to me. BoA informed me that I was held responsible and that the cashiers check was actually a counterfeit. The originating bankhad informed BoA of this fact. Also, BoA informed me that they only service their atm machines ONCE PER WEEK. Yes, I agree I was foolish to deposit the cashiers check in the atm and SHOULD have deposited with a teller at a bank counter. Unfortunately, I do not even think about being scammed, used as a " mule '' for counterfeit checks, money, etc. To further exacerbate this problem, I am an XXXX recipient of about $ XXXX/month that was XXXX on Friday, the next day. I was unable to have XXXX, the U.S. Treasury dept, or BoA to cancel/stop the direct deposit so I could pay my monthly bills with a resend of my XXXX ( this is all due to timeline protocols between the Treasury and the banking system ). So, I have currently lost my stipend to my BoA checking account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 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: OH

Complaint narrative:
I applied for and was approved for a forebearance through Navient was paid for on XXXX XXXX, and on XXXX XXXX I began getting harassing phone calls and emails about a late payment because they had not correctly processed the forebearance, only taken my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There is a current motion @ XXXX XXXX courthouse Florida by plaintiff to reset a sale date on this 100 % illegal foreclosure attempt. XXXX is a brief detail of this abuse. 
A. After sitting unprosecuted for over 5 years on XXXX XXXX, XXXX I had Non-Jury ( XXXX ) trial versus Countrywide XXXX XXXX XXXX XXXXXXXX/Bank of America at XXXX County Courthouse in XXXX XXXX , XXXX. Case # XXXX. 
B. Florida 5 year Statute of Limitations ( SOL ) expired XXXX XXXX. 
C. Among the serious deficiencies are:1. Plaintiff lacks legal standing to foreclose. 
2. Robo-signing of documents, robo-testifyer for XXXX XXXX at XXXX trial. 
3. LOSS/DESTROYED ORIGINAL PROMISSORY NOTE upon filing Lis Pendens in XXXX ( only copy endorsed in blank provided ). As of XXXX XXXX, XXXX per robo testifyer personal notes with him at trial, original promissory note still lost/destroyed. 
4. Lender force placed homeowners insurance charged at gouging XXXX, XXXX times normal rate and purchased from plaintiff controlled or owned insurance company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-27 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: WA

Complaint narrative:
Numerous times I tried to have Navient do an income based repayment plan since both my husband and I had lost our jobs. Each time they put my loan into forbearance instead. To get caught up they finally let me start a payment plan but it was to pay the full amount of my loan but they only set it up for one loan and failed to tell me causing late payments and fees. They have XXXX on multiple years of loan debt die to the forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I went to XXXX from XXXX XXXX, 2016 until XXXX XXXX, 2016. While I was in XXXX, there were XXXX charges to my Bank of America credit card in XXXX California ( {$150.00} on XXXX XXXX, 2016 and {$100.00} on XXXX XXXX, 2016 ). There were no other authorized users for that credit card, and I had it in my possession during the entire time I was in XXXX. So, there is no way that I could have been responsible for those charges. 
I filed two disputes for the charges, and Bank of America denied my claims twice even after I submitted documentation showing that I was in XXXX during those dates ( boarding passes, hotel bill, metro transactions, and sales receipts ).

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 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is the final time going to let Bank of America know that I have indeed submitted insurance information and documentation to them. It was submitted via the CFPB in XX/XX/XXXX and it was one of the complaints that BOA simply did n't read ( obviously ) and simply provided a cut and paste response. The consequence to this is that Bank of America is falsely accusing me of not paying my full mortgage, which I have been paying, and plain and simple, Bank of America is wrong, that information/documentation was provided, it 's well documented, Bank of America was just negligent in handling the information ... I 'm writing this message/complaint just as further documentation that Bank of America was provided the information and it is now up to Bank of America to make the many corrections to the account as obviously all balances are incorrect, there should be no fees, the account should be adjusted and returned to where this never occurred ...

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 2015-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My bankruptcy was discharged a few years ago and I included my home in Washington XXXX in the bankruptcy. Bank of America continues to send me statements and letters. I sent a Cease & Desist letter last month asking them to not contact me anymore by mail or at all as it brings up bad memories and the stress of having to let my home go. They continue to send me statements. I am beyond stressed and frustrated with them. I have anxiety and have to be on medication for it. By law I thought they have to stop sending me these items if I request in writing for this to be done.

Company public response: Company 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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX on two separate occassions. One location in XX/XX/XXXX and it was mysteriously shut down, re enrolled in the " new location '' in XX/XX/XXXX and school was also shut down. We were told the school was closed due to lying about credits being transferable in which I found out to be true from not being able to transfer my credits. For not being able to hold up on their end promising job placement which in my situation never happened. Now my student loans which were initially XXXX XXXX but are now with Navient are constantly adding up due to interest. They are negatively impacting my credit scores all due to them funding a non accredited school. I have since lost my merit with my employer due to a credit check and ca n't qualify to purchase a home because of the negative reporting from a few years ago. The balance is now under {$8000.00} but I am slowly repaying a debt that I should n't be responsible for since this school was clearly not accredited nor accepted by employers. I have spoken with Navient on several occasions but the most I 'm ever offered is deferment payment status. I was never told by Navient nor XXXX that most students that attended that school was having their student loans dismissed. No representatives ever shared with me that would have been an option for me. It is now XX/XX/XXXX and I have experienced this nightmare of student loans for almost 10 years. I am afraid when it is time for me to return to school this will prevent me from being able to qualify for a loan if needed and that if not removed or negative remarks removed from my credit report it will also prevent me from obtaining a much needed promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I was working on getting a consolidation loan through Navient for my federal loans. I had XXXX loans that they told me were ineligible because they were in bankruptcy status, even though my bankruptcy ended in XXXX of 2016. Also, there were accepting interest payments on them, even though they were in bankruptcy status. I contacted them 2 weeks ago and they told me that the loans were no longer in bankruptcy status and to re-submit the papers to add then to my consolidation loan. Then, 2 days ago, I got a letter saying they could not be added again due to them being in bankruptcy status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I went to XXXX XXXX. I took out federal loans. When I got out of school consolidated the federal loans. I kept getting a bill from Sallie Mae. I called them and asked them why and they told me the bill was for my private loans. I never signed any agreement for private loans. I refused to pay on them. They kept telling me they had a truth in lending agreement for the private loans but never produced one. It was XXXX loans in all. The only thing I signed was an application for the federal loans. I was told by a lawyer that these private loans are not legal without a contract. At one point a Sallie Mae collector told me that it was a verbal agreement that the private loans were taken out on. I can not afford a lawyer to get rid of these loans and they are keeping my credit down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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: CA

Complaint narrative:
I received a private loan from XXXX XXXX in 2010 for my undergraduate studies at XXXX XXXX XXXX. Upon graduation, I attended XXXX school at XXXX. I eventually deferred my loan repayments ( which took months ). I recently found out that Navient took over my loan repayments ( XXXX XXXX did not inform me ). Since last week, my mother ( co-signer ) and I have been receiving calls from Navient, not during business hours, about paying. I logged into my Navient account for the first time today and it said I defaulted of my XX/XX/XXXX payment which was supposed to be deferred since I am still in XXXX school. Now i have to re-apply for deferment which I fear may take months and may negatively affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT

Complaint narrative:
I submitted my monthly mortgage payment to Primary Residential mortgage company via their PO Box address they provided. Payment was sent within the allowed time in XX/XX/XXXX to satisfy the XXXX 2015 mortgage payment. I contacted them on XXXX XXXX 2015 and asked if all was ok with my payment as they had not yet deposited it. They indicated they did not receive my payment and to send it again. I resent the payment with USPS XXXX and got XXXX confirmation. I called them and they acknowledged receipt of the check and indicated all was fine and not to worry. After a few more days, I realized the check still had not been deposited. They told me since the beginning it is not when they receive the check but when they actually deposit it that it then counts towards payment. This seemed ridiculous and a bit scary to me as what if they decide to deposit it after several days, even though they received it within the time frame ( before XX/XX/XXXX )? So, upon calling them again they said they could n't locate my check at the moment but would call me back as soon as they did. They offer no other payment options online, just by phone, but that comes with a hefty convenience fee. They finally located my check and I asked for a signed letter that I would not be reported to the credit bureaus as late and also not assessed a late payment penalty. They sent me a signed official company letter and an email about this assuring me this wouldnt happen. On XXXX XXXX they finally deposited the check after holding it all this time and receiving it XXXX XXXX. I was assessed a {$100.00} late fee as they indicated my payment was late and also reported me as being late to the credit agencies. I now can not obtain credit or make purchases with this. Ive contacted them by email several times and called and they keep promising me they will get back to me but never do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: NC

Complaint narrative:
Trying to pay student loans back from XXXX to XXXX. Received XXXX and XXXX, however payment shock occurred when paying back. No consiconsideration that high paying job has not occurred. Navient sets payments big and options are not compatible to salary and cost of living. Attached high interest when missing as it is sad that it 's unimaginable to pay back. 
Please help with reasonable affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Other financial service — Debt settlement
Issue: Disclosures — 
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
In XXXX, I made the required number of payments to rehabilitate my defaulted student loans. I was told by a representative at the time, who was from either Pioneer Recovery , Inc., or XXXX XXXX XXXX, that XXXX XXXX XXXX ) consecutive payments would have to be made to a company called XXXX. After which, my loans would be in good standing ; the collection fees would go away and I could defer the loan if need be. Pursuant to what I was told, I set up the payments for automatic debit from the checking account. After the payments were made, I received a letter from XXXX XXXX XXXX XXXX, saying congratulations on the rehabilitation. I was then told by one of the servicers that I would have to immediately start making {$400.00} payment per mo. At the time, I could not afford to make {$400.00} payments and I therefore requested a deferment and was told that I could not defer the loans. The loans were never placed in good standing, the collection fees did not go away, and a deferment was not available. 
In late XXXX, to resolve my student loan dilemma, I requested detailed accounting from Pioneer Credit Recovery on how my payments had been applied and other information. They supplied very little information. Through all of this, I was receiving correspondence, simultaneously and sometimes conflicting from XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, c/o Navient, XXXX, Pioneer Credit Recovery , Inc., XXXX, XXXX, and Navient. Dealing with these various companies has been confusing, frustrating, inaccurate, inconsistent and most of all deceptive. I would like a clear explanation of how my original student loans totaling {$55000.00} are now $ XXXX. In closing, these companies have reported inconsistent and inaccurate information to the credit bureaus adding to my frustration.

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 2017-03-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Advertized Restaurant for Sale. Engaged with purported owner.Eventually paid 10K good faith deposit. deal cancelled after she demanded full payment without providing bill of sale for assets and equipment. No business records supplied at all and the contract provided for sale was also incorrect. She has kept money, restaurant and personal belongings housed at site.

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 2017-03-14 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: WV

Complaint narrative:
I have been making payments to Navient faithfully out of my checking account and my entire tax return was taken for student loan repayment. However, I had called multiple times to see WHY this was going to happen and they said that at one point I ahd defaulted. I am currently on government assistance, with XXXX children working a full time job and they will not lower my interest rate, and take almost XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
A company named Navient started sending my husband and I multiple letters a week saying we both owed them money for school loans. My husband does n't go to college so he filled out a fraud complaint with Navient and they said he did not. Then, they kept calling and sending up to 10 letters a week. Two days ago, another company XXXX XXXX XXXX called and stated they were calling for Navient. I told them that Navient was a predatory company, that I was still in school and I had no verification of having a loan with them. Yesterday, we got two letters from XXXX that stated my husband was a co-signer on a loan that I had from 2007, but I was not in school in 2007. I would like to warn other students to avoid this company and I need help to find out if they have a loan with them which I would consolidate with a reputable loan servicer.

Company response to consumer: Closed with explanation