vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 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: WV

Complaint narrative:
WE borrowed money for our oldest daughter to attend college and began paying it back after graduation in XXXX. In XXXX we filed a chapter XXXX bankruptsy and the trustee took over paying on this loan. At the time she took it over we still owed {$3800.00} on it. She paid on it for 5 years and paid it off. We have proof of payments. But 6 months after our bankruptsy was discharged we got a statement from Navient that we still owed over {$1100.00} on the loan. I sent everything that we had to Navient showing them every payment that was made. Our trustee paid to an address in XXXX and Navient 's were billed out of XXXX XXXX XXXX. They sent back what they had and our records do n't match. They do n't show all of our payments/ I 've sent copies to them over and over and called them repeatedly, to no avail. Today in the newspaper i saw the article about the complaints several consumers are having with Navient. You can add us to that list. I have proof that our loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems attempted to collect a debt from me on a XXXX XXXX account from 2013. We have repeatedly explained that this is not my account, but no one will remove it, including XXXX. We 're getting more and more angry as time progresses as the tactics get insane and obscene. They 're now harassing my father as a result.

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

Complaint narrative:
I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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: CA

Complaint narrative:
My stepdad cosigned a private educational loan through XXXX for me. Years later I was making minimal payments to XXXX on the private educational loan. When I filed for bankruptcy, I was informed that my student loans including the private educational loan with XXXX would stay as they were. After I my bankruptcy was discharged, I learned that Navient had taken over the loan. However, Navient changed the private educational loan to a personal loan with just my stepdad 's name on it. We spent almost a year trying to understand how an educational loan could be turned into a personal loan with Navient management. Navient management could n't find the source of how an educational loan was turned into a personal loan but refused to correct it. My parents finally just made a repayment plan that I could afford. We have been making payments every since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a balance transfer offer in the mail from Bank of America offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Bank of America lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 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:
XX/XX/XXXX I filed a credit card dispute with Bank of America against a vendor XXXX. Originally Bank of America issued a credit but 60 days later they reversed that ruling. This is after I received an " interesting email '' from the vendor. 
From : XXXX Date : Sat, XXXX XXXX, 2015 at XXXXSubject : from XXXXTo : **********Hola ********. Hope everything is ok and wonderful over there. 
I just came back XXXX, my wife was very sick XXXX we just check our e mail, and the bank XXXX said that you claim your money and they send it to you back. 
I dont think it is fair from you guys, you look honest. my thinking is because you are XXXX XXXX friend you were like them. honest. I can see you are not, unless you send me the money that belong to us. or just send us back the merchandise. 
you got -- -- - XXXX purple artesanal big from $ XXXX to {$75.00} XXXX XXXX coconut artesanal small $ XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$120.00} XXXX. 
tax16 % XXXX -- -- -- -- -- -- -- -- -- -- - total -- -- $ XXXX with the bank exchange rate by that time give us a total XXXX $ XXXX XXXX ACTUALLY. Also I gave you a free big bottle of tequila XXXX. 
I dont think is fare from you to do that. 

Please., DO NOT RIP US OFF. we do work, and we were very, very nice and polite to you. so we can not sponsor you. It wont be nice to knock your door with the police to claim my bottles or money, but it will include my air plaine ticket. It is not the money is because you are not honest. 

I am sending a copy to XXXX, I want her to see what king of people you are. 

The information is not correct in the email either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I 've filed XXXX previous complainsts againt bank of America in the past 30 days. bank of America has just placed a negative rating on my credit file. bank of America NEVER sent a change of my mortgage payment to me. Instead bank of America kept sending me letter that the mortgage was late. I called bank of America and spike to XXXX in which he verified they received my payment of {$800.00}. XXXX NEVER discussed anything with me further. 
After I received a certified letter from bank of America I called them again. I was then told there was a change in my mortgage payment. I told the rep why was n't I told when I called previously. She had no answer. I also told the rep instead of the bank sending my a certified letter stating my mortgage was delinquent, why did n't someone call me to let me know my mortgage payment changed and they needed more money!. Bank of America KEPT my mortgage payment that was made of {$800.00} and NEVER applied it. This is very poor business and there mistake is showing negative on my credit!!!!!

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 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Almost 4 years ago, Bank of America started foreclosure actions against my family after we fell behind on our mortgage. They demanded a reinstatement amount that was more than three times the actual past due payments. When we questioned them on this, they simply insisted on receiving the amount they demanded and initiated foreclosure. 

We applied three times for loan modification with BOA before we got a trial modification. Each time they denied receiving the application. We successfully completed the trial period but BOA never stopped the foreclosure process in court. 

Three months after we completed the trial modification process, we got a permanent modification package. When we scrutinized the small print in the new loan documents, we discovered that Bank of America had actually increased our monthly payment by over {$60.00} even though their trial modification documents had clearly and specifically stated that our payment would not exceed a certain amount if we successfully completed the trial modification process. 

In fact, the amount by which our monthly mortgage statement could go up was specifically stated in the trial modification documents! All through this period, we were making our monthly payments. However, when we questioned the discrepancy between the trial and permanent loan modification documents, Bank of America stopped accepting our mortgage payments and foreclosed on our home. 

Then, without informing us, they transferred our file to XXXX XXXX XXXX, and XXXX XXXX, sold our home at auction and submitted false $ numbers to the court as the amount they spent in selling our home! Never mind the fact they were the only bidder, or that they bid an amount higher than the actual balance due. Today, we are told that XXXX XXXX, is actually working for XXXX. 

Recently, we found out that the mortgage modification Bank of America gave us was actually not XXXX under the XXXX XXXX federal government mandated program under which we had actually applied. With the " generic '' modification Bank of America gave us, we lost some rights and protection to which we would have been entitled under XXXX. 

Our mortgage account # is : XXXX and our case file # is : XXXX ( XXXX XXXX, Illinois ). We are legally fighting XXXX XXXX, XXXX and Bank of America. We have limited financial resources to continue fighting these big companies for our home. We should not be made homeless because Bank of America is deceitful and corrupt. 

This is part of the reason why there is so much public discontent and lack of trust for these big fraudulent banks and our elected officials.

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 2017-01-26 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: AE

Complaint narrative:
I co-signed a student loan thru NAVIENT for my nephew and when he failed to pay, Navient contacted me in XXXX XXXX. I pay XXXX payments and my nephew took over the payments. In XXXX XXXX I received a " Charged off as bad debt '' loan default on my credit report. The company never contacted me and I assumed my nephew was making payments. How can Navient default the loan, without contacting me, the co-signer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX XXXX, 2016, my sister XXXX XXXX passed away. She died without a will and, other than about {$1300.00} in a checking and savings account at Bank of America, she had no assets. I paid for her funeral out of my own pocket. 

Following that, I submitted an Illinois Affidavit of Small Estate, an instrument designed and enacted by the State of Illinois to expedite payment of funeral expense in such cases. I filed this with the bank in XXXX and they ppromised to contact me no later than XXXX XXXX, 2016. They did not contact me. I contacted them about a month later and they sent me some additional paperwork. I had not heard back from them so today I called them. They stated that my affidavit of small estate was missing verbiage. They stated that they could not tell me what verbiage was missing and that I must contact an attorney. 

I am seeking the reimbursement of funeral expenses from XXXX BOA 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 2017-03-02 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: DC

Complaint narrative:
I have been making payments for many years on my student loans to a company called XXXX. Then, last fall they sold my loans to Navient. At that time I owed approximately {$12000.00} - which XXXX records will prove. Now, when Navient displayed my balance with them, they claimed I owed over {$13000.00}. I was n't sure about the discrepancy, but while looking into it I made two separate {$1000.00} payments - I am working hard to be debt free. However, since then my balance has not gone down at all. I have sent them numerous messages to figure out the problem, but instead of being honest and crediting my account and adjusting the balance to what it should be, they are now claiming I owe almost {$15000.00}. They are clearly acting nefariously and have left me in a lurch - if I pay them I will be robbed of thousands, but if I do n't they will ruin my credit and keep charging interest. They are thieves and I do not want to deal with them. Please help me. I 've worked so hard over the last 5 years to get this debt out of my life and its meaningless now if they 're just going to steal from me and use these tactics to keep me from my goal. Anything you could do to help would be appreciated. Thank you for taking time to read this. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My mortgage was transferred to another servicer and I was never notified. I went to make my monthly payment and my mortgage account no longer showed up. I called my previous servicer Bank of America and they informed me that my loan had been sold. They stated they mailed letters on XXXX XXXX. I contacted them on XXXX XXXX. I have not received any information from the new servicer either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I called BOA to settle an outstanding debt for XXXX. I was driving during the call and offered to call back when I raised the money no later than XX/XX/XXXX. I was told no problem. A week later BOA called me back and asked for an additional {$76.00}. Confused they said they did not get the post dated payment. we review the previous call and they agreed to take the money but no post dated payment. There were 2 more calls saying the settlement was denied because they did not have a source of the money which my wife was giving me. She was borrowing from another source. I explained my business was sold and i was left with XXXX in debt and was denied unemployment at this time. I am trying to settle an pay all my bills instead of filing bankrucpy. So they agreed and now 3 days later we got another call saying the settlement was denied unless we pay an additional {$76.00} more again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
A company called " Municipal Services Bureau '' calls every single day at XXXX XXXX PST ( previously at XXXX XXXX PST ) and has done so for about six months. Each time an automated recording asks that we call the company 's toll free number. I understand from an internet search that this company is a debt collection agency. I do not have any outstanding debts and wish for this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: IL

Complaint narrative:
Navient appears to be over charging interest. When I asked for detailed billing to show how the interest charges accumulated they were unable to show daily charges. They provided no documentation. In order to get the XXXX-XXXX harassing calls per day, and to stop the massive interests charges - myself and my grandson borrowed money to pay off the loan. I filed a complaint with the BBB and to date we still do n't have any proof of how payments were applied and how interest charges accumulated.

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

Complaint narrative:
I am unemployed and have issues making my student loan payments and I was never even offered an income driven repayment option. They always told me forbearance was the best thing and that 's what they 're me up on. Now my increase of my student loans are through the roof. I have a husband,XXXX children, XXXX step children. I do not have the funds to pay them unnecessary fees especially when I was n't even offered a better option. They have used forbearance for me so many times. I do. It work right now it is hard. I do n't want to keep getting forbearance and accruing interest just because I can not pay right now.Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Lady friend forge my name on school loan as an co-signer without me knowing it, then we got married ( XX/XX/XXXX ) and divorce ( XX/XX/XXXX ). 
Nine years later they want me to pay for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I 'm trying to get a copy of a mortgage discharge from XXXX XXXX XXXX that 's out of business. XXXX XXXX XXXX 's parent company, Nations Bank, is owned by Bank of America. I was advised by B of A to contact XXXX at XXXX. This number is voice mail only and after leaving numerous messages over several months they will not call me. The mortgage was taken out by my parents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation