vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 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: WA

Complaint narrative:
Hello-I need your help, I am being treated very unfairly by a student loan company called Navient. I feel as if they are committing fraud or that they have been ripping me off. This is regarding my private student loan accounts I have with them. Recently the accounts went from XXXX to Navient. My private loans total around {$14000.00}. My payments were on an interest only plan for quite sometime due to me extending my payments off until I could not anymore due to financial struggles. Meaning I paid only interest every month for years, not one dollar was going to my principle which I understood. Navient then tells me the interest loan repayment plan was over, and my payments would start going to my principle. When I got my monthly bill statement I noticed it increased from XXXX to XXXX. I called them immediately and told them I was a single mother of XXXX children and could not pay the full amount with the new increase. I told them I could not afford it and I needed them to work with me to get it down to what was paying which was XXXX. They went from one customer service agent to another, then to the supervisor because each one of them told me the same thing, they could not do anything for me. The supervisor told me the same thing as well, I had to pay the XXXX a month. I then asked lets say I was able to pay the XXXX a month thinking well I have already finished paying the interest only payments for a couple years maybe I will now be paying a lot more towards my principle, and finish soon, nope. ..he starts to tell me the contrary, that he calculated XXXX would go to interest and the rest to my principal, and according to his calculations the pay off time would be in 2028, 13 years from now. I explained once again my financial struggles and still he went on to tell me I should make my payment every month even if it is the {$150.00} or else they could garnish my checks. I told him how do you expect for me to pay your company the {$150.00} I can afford if your telling me that would not even cover my monthly accrual interest? I told him I would never finish paying you guys off then. He told me he understood but that there was nothing he could do for me and that I had agreed to all of it when the loan was given. Do you guys think this is fair? To make monthly payments of XXXX for the rest of my life and never have one dollar go to my principle? I need help, please refer me to someone, I am desperate. Thank you for your time. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 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: CA

Complaint narrative:
As a result of this error, I have 9 late individual marks against my credit score. They only sent one letter for the loan, not 9 notifications for each loan. At the time I was unemployed. If they are marking 9 late payments they should be required to send 9 separate notifications. They do not notify customers that they will have separate negative marks on credit if they do not pay the " one '' bill on time. 
The result of these 9 late marks on my credit have made it very difficult to qualify for housing, utilities, and access to credit. I am enrolled in auto payment and able to pay my loans. 

I was marked late for student loans while enrolled in XXXX. They refused to updated because they need a form from university, previously the university sent a form but since it is not official form, did not have enrollment status, it had the classes I was enrolled in for each semester. I offed to provide them the tax form from the Department of the Treasury ( Internal Revenue Service ) according the the university tells them I am enrolled at least part time for the year. I also offered to provide them my grades. 
Navient makes it extremely difficult for customers to get issue fixed. They email you a form to give to the university to send, but the email does not come for another hours. Then the university requires you to sign a form to let them fill out the form. 
It is a hardship because it requires me to have a printer, scanner and travel to the school to explain what they need to send. Navient offers no good will for people only trying to fix credit, they do not care about customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: UT

Complaint narrative:
On a purchase contract with an offer date of XXXX/XXXX/16 when deciding between multiple offers XXXX XXXX, with Citywide Home Loans, represented to me as the listing agent that the buyer was pre-qualified and infact had been ready to close on a previous property that the seller backed out of. So he had already been all the way through underwriting, and that she would be able to close quickly. Upon that representation, her client 's offer was accepted. 

Two weeks later when the home inspection had not even been ordered I was asked for an extension on the inspections deadline and it came with finance and settlement extensions also. I was also informed by the Realtor ( XXXX XXXX from XXXX ) that the Loan Officer was handling the inspection in addition to the appraisal on the property and that she went out of town and that 's why the inspection had n't been ordered yet. 
The inspection was finally done on XXXX XXXX ( 3 weeks after going under contract ). 

Then a week later there was a request to extend the finance and appraisal deadline again, which was not accepted. 
I kept following up to request when the appraisal was complete, and was told that it had been done, that it was fine, but subject to a reinspection after the roof had been re-shingled. I let XXXX know when the roof was scheduled to be re-shingled and that she could order the " re-inspect '' after that. 

Yesterday, XXXX/XXXX/16, I called XXXX to ask if she already had the Final Closing Disclosure out to the buyer etc. and she told me that she was on her way to a funeral and would call me and give me the update afterward but YES, the re-inspect had already been ordered. She never did call me back yesterday. However, I did get a phone call several hours later from an appraiser who was NOT doing a re-inspect but infact setting up an appointment to do the actual appraisal for the first time. 6 weeks after going under contract. 

Today, after the agent reaching out to suggest we needed an extension, I let her know we would do an extension for a different loan officer, but not for the current loan officer who had lied about the loan process and status for 6 weeks. Not too long after I received a call from XXXX to inform me that there were some issues with the borrowers Chapter XXXX that would not be able to be overcome. 

It is my contention that XXXX XXXX : 1. Intentionally issued a false pre-approval. 
2. lied about the qualified nature of the buyer on the phone prior to going under contract. 
3. Failed to respect contract deadlines to protect the buyer 's earnest money. 
4. Falsely stated that the appraisal had already been done on multiple occasions. 
5. Incurred expenses to the buyer for inspections, lost earnest money, and potentially the cost of an appraisal for a house he was never qualified for.

Company response to consumer: Closed
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit was repaired, I have a fraud alert and now my score will not appear. It states I have no credit when in 2013 reported a XXXX credit score. unable to get a clear answer from the credit bureau. SS said I can get a new SS #. 
I have also gotten married XXXX/XXXX/2013 new last name XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America sold my mortgage loan to XXXX, XXXX. on XXXX XXXX, XXXX with XXXX Mortgage XXXX as the new servicer. Yet, three days later Bank of America with no further interest in this mortgage, scheduled the home to be auctioned, on their behalf, on XXXX XXXX, XXXX then rescheduled by them, for XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 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: CA

Complaint narrative:
I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Bank of America took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I used a Bank of America, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: DC

Complaint narrative:
After receiving several threatening phone calls from XXXX collection agency, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( Bank of America and XXXX ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.

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 2017-02-09 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: NJ

Complaint narrative:
I have been out of school for quite some time. At the time, my father was handling my loans, and he did not understand what he was doing. He had access to my social security, and my only job was to go to college. He was n't given correct information, and they also over borrowed and gave him more than what my school actually cost. He truly believed he was helping me by taking on such risky loans, and I received over XXXX calls to switch my loan servicing company until I was scammed into what I am paying right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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: NY

Complaint narrative:
Bank of America reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in 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 explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX were solicited by BofA Representative to refinance our home. Loan closed XXXX. 
1. XXXX or XXXX BA sold my loan to XXXX XXXX XXXX. Applied for modification XXXX Received approval XXXX was instructed to wait for papers. 
3. XXXX XXXX BofA filed Lis Pendens/Forclosure 4. XXXX We offered BofA to bring loan up to date with a large lump sum payment. BA refused to accept OR reject offer. Refused to make a decision at the Corporate President office level. BA did not want a resolution, BA wanted our house. 
5. Spouse did not sign loan docs as required by FL homestead law. Entered motion to dismiss mortgage and foreclosure based upon FL law, still pending. 
6. XXXX BA sold their interest to XXXX XXXX XXXX that removed BA from pending lawsuit/forclosure proceedings and our motions against BA. 
7. XXXX to XXXX At not time has BA acted in good faith toward any form of equitable resolution. By way of example, see # XXXX and # XXXX above. 
8. XXXX BA sold their position to XXXX XXXX XXXX in XXXX. XXXX started by grossly overstating our loan balance that is not yet resolved. 
9. XXXX In BA 's place ( but not entirely we hope ) comes the new and continuing battle with XXXX ... ... ... ... to be aggressively investigated by CFPB With your help WE WILL NOT GIVE UP. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX, HUD Housing Specialist, tel # XXXX, ticket # XXXX informed us this morning that this Borrower does not qualify for the FHA Preforeclosure Sales Program due to the delinquency of over 43 months. She stated that this was a Bank of America error. She stated that it was up to the lender whether or not they would accept or reject a pending offer. 

No one from Bank of America has ever advised or disclosed this information to us or the Borrower. In fact, the information that was given us was that it was HUD that would not allow the postponement of the scheduled Trustee Sale scheduled on XXXX XXXX. No one from Bank of America has offered any " other '' Short Sale programs that the Borrower may qualify for. Compounding the problem is that we have 2 appraisals with a significant difference in value. 

Due to this oversight, we request that the sale be postponed. We are submitting a new all cash offer for {$250000.00} today. We request that this offer be considered for a HAFA short sale or any other alternative short sale. But, we need time to properly prepare the Closing Documents based on whatever program the Borrower qualifies for. 
Any consideration less than this would not be in good faith due to the discovery of this oversight. Please escalate this to the highest level. Thank you!

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 2017-03-14 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: GA

Complaint narrative:
Dear Officer, I am writing to report that Bank of America cheated me over the phone. Please ask Bank of America to face the fact and explain why they should cheat its customers. Bank of America has never answered this question. Bank of America is still lying. That is not decent business behavior. Something is wrong within Bank of America because its phone representatives misled or cheated me. 
Thank you! 
XXXX XXXX PS : The following is the detail : On XXXX XXXX, 2016, I and XXXX XXXX XXXX in her XXXX office made a phone call to Bank of America ( XXXX ), regarding my home-line-equity account with Bank of America. Bank of America told me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
XXXX XXXX ( Tel : XXXX ) would like to serve as the witness of this issue. 
Thank you! 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!

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 2015-12-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Bank of America has been my personal Bank or many years. This is the first time I have experienced Bank of America sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.

Company response to consumer: Closed with non-monetary relief