vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-11 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: NY

Complaint narrative:
I had a 60 day past due status reported to the credit agencies by Navient, but my XXXX statement and XXXX statement both show no amount past due. My account also has a " 3rd Delinquency Notice '' on XXXX XXXX, but there is no first or second notice. Additionally, since the claim is that I was 60 days past due on my XXXX payment, the fact that it was reported in XXXX makes no sense - it also should have showed up in my XXXX statement which is less than 60 days. I have called and sent in a complaint via their dispute mechanism, but never received a response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is another follow up complaint against Bank of America. This complaint is continual and linked to CFPB # XXXX, XXXX, and XXXX. To date, Bank of America has not accurately updated the status of these loans, which were settled via Short Sale XX/XX/XXXX. I have attached a copy of a portion of my XXXX credit report showing the misleading and confusing status of these loans. It also shows incorrect High Credit Balance for the second mortgage of over XXXX dollars which is not only incorrect, it is outrageous. I need Bank of America to update their credit reporting of these loans to reflect that the loans were settled in full and there is no balance. I also need them to reflect an accurate High Credit Balance. I need them to update these information with all Credit Reporting Bureaus asap.

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 2017-01-19 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: CA

Complaint narrative:
My series of loans were originally handled by XXXX XXXX and are now handled by Navient. My complaint stems from representations made by representatives of both loan servicers. On three separate occasions reps at XXXX XXXX ( Navient ) advised me that I was eligible for a forbearance. I was told that the forbearance was granted and that no payment would need to be made for a year. I relied on these representations and budgeted my money to other bills. On three separate occasions, I was contacted by XXXX XXXX ( Navient ) and told several months later that I did no qualify for a forbearance, that the verbal forbearance granted to me by the rep was erroneous and that I was now months late and the total sums for those months were due and owing. XXXX XXXX ( Navient ) reported me to the credit agencies as being late and the drop in my credit score drastically affected my family. I ended up filing complaints with XXXX ombudsmen -- nothing happened. I complained to XXXX XXXX ( Navient ) managers and nothing happened. 

The question is why can XXXX XXXX ( Navient ) get away with misrepresenting their own policies to the detriment of borrowers time and again without any repercussions? I am still dealing with the negative credit reporting and all the fees associated with late payments. No other company could get away with managing so much debt so irresponsibly. 

All I am requesting is that the negative reporting to the credit agencies be withdrawan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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: MD

Complaint narrative:
I 've submitted a complaint before concerning Bank of America 's " Extended Overdraft '' fee. I was wondering if any regulations are in the works and exist to eliminate this outrageous fee. Bank of America has decreased the time for having an " Extended Overdraft '' from 2 weeks to 5 days. Bank of America had a XXXX profit last year, plus having been bailed out by taxpayers, when will the government crack down on this bank? I 'm currently overdrawn by {$9.00}, which is my mistake and I 'm not arguing about the {$35.00} overdraft fee. However, for Bank of America to charge a total of {$70.00} for a {$9.00} overdraft. When is the government going to crack down on this greedy bank? Thank you for taking the time to read my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 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: SC

Complaint narrative:
I have been trying to lower my payments, or put my loans in forbareance for months, and every time I call customer service they tell me to find the paperwork online. When i go online, the website tells me to call customer service. I 've been on the rin around for months, and I 'm at the point where i dont evenw ant to pay them back. It 's so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a Check from my XXXX XXXX Account to my Bank of America Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because " XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Bank of America! 
3 ) Bank of America is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Bank of America restated that " XXXX XXXX Bank '' was advising Bank of America Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false information!

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 2016-07-26 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: VA

Complaint narrative:
NAVIENT IS THE SERVICER OF MY LOAN, I HAVE BEEN MAKING PAYMENTS FOR YEARS AND MY BALANCE HAS NOT MOVED. I SENT THEM A LETTER ASKING FOR STATEMENT SHOWING PAYMENT HISTORY NO ANSWER. I SENT THEM A LETTER ASKING THEM TO PROVE THEY OWNED THE LOAN AND THE PURCHASE OF THE LOAN FOR DEPT OF ED, NO ANSWER. THEY ARE IN VOLITATION OF FDCPA BY NOT PUTTING MY ACCOUNT IN DISPUTE ON MY CREDIT REPORT AND NOT ANSWERING MY QUESTIONS ON THE DEBT, THEY CONTINUE TO BILL ME AND IGNORE MY REQUEST FOR VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: CO

Complaint narrative:
XX/XX/XXXX, shortly after leaving XXXX with {$140000.00} in student loans, I entered the XXXX and requested my Federal and eligible loans be placed in deferment. The request was denied without explanation. Instead, the loans were placed in forbearment with interest accruing and CAPITALIZING. XX/XX/XXXX, I entered an XXXX and again applied for deferment. Again, XXXX XXXX rejected my request, even though ALL other XXXX at the same time received a deferment. Even my base commanding officer went through all the proper channels to enforce the deferment as he had never seen a rejection in 18 years of running XXXX and XXXX. These rejections took my student loans from {$140000.00} to more than {$210000.00} in debt, mostly from interest accruing and capitalizing. 

Additionally, my credit score was destroyed, going from a XXXX my entire life to less than XXXX at one point ( XX/XX/XXXX ), causing me to be ineligible for even a basic car loan. It was horrific. 

When it came time to buy an XXXX XX/XX/XXXX, my credit was so bad it almost did n't happen. However, I found a bank willing to loan me money, but at 9 % rather than the average at that time of 6 %. 

I have aggressively paid down loans with {$10000.00} still remaining. 

The damage, though, was prolific. I have paid higher interest rates on car and home loans ( 0.5 - 2 % ) over the last several years, costing me tens of thousands of dollars. More than {$100000.00} in added fees, added interest and destruction of my credit. It has taken me more than 10 years to restore my good credit and my life. 

If ever there was a poster child for malicious denial of deferments by a corporation with power, it is me. If ever there was an example of the horrendous actions and crimes committed against a good man, a XXXX of children and adults, this is it. 

It is my opinion I am due restoration. Thank you for prosecuting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I paid off my home mortgage on XX/XX/XXXX. Bank of America wasmy mortgage company. I checked my Bank of America account on XX/XX/XXXX and found that the full amount of my mortgage still showed as outstandingalthough I paid off the mortgage using a cashier 's check ( as requested by BOA ). 
When I checked on this further I was told that the bank made a mistake andcredited my payment to another individual 's line of credit account. The matter wasthen resolved and my mortgage balance was reduced to {$0.00}. However on the XX/XX/2015, BOA withdrew {$1400.00} through the ACH account I had setup to process my mortgage payments. Once again, after paying off my mortgagein full, BOA withdrew yet another mortgage payment. On XX/XX/XXXX Icontacted BOA again and told them what they had done. They informed me at thattime that they would reverse that charge and I would see it appear in my Suntrustchecking account on XX/XX/XXXX or XX/XX/XXXX. Today, XXXXI contact BOA since I have not seen the reversal. I was now informed that thereversal would be returned to me as part of the refund of my escrow account andI would not see that refund until the XX/XX/XXXX. 
In summary, although I paid off my mortgage on XX/XX/2015, BOA without authority, misappropriated {$1400.00} from me and are now saying that they will notreturn it until they have had it for one full month. It appears that this is an easy wayfor BOA to tap financial resources not belonging to them and to use them for onemonth interest free. Multiply this by the number of people who pay off theirmortgages every day and you can see just how much BOA is reaping. Of coursethis assumes that BOA will return my money by XX/XX/XXXX, but I haveno confidence they will based upon what they have told me thusfar.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I refinanced with Countrywide XXXX XXXX, XXXX and my home was valued at about {$390000.00}, an increase in value of about {$150000.00}. In XX/XX/XXXX, I applied to Bank of America for a HAMP loan. It was a horrible process. I talked to a new representative every time I called. I was told to skip a payment and it would roll into the final loan without causing any problem to my credit. I was finally given a HAMP loan at 4.25 % interest, increasing to 5 % after 5 years. My monthly payment was reduced by less than {$200.00} ( Principle, interest, taxes, insurance ). In XXXX, XXXX my monthly payment was {$1200.00} for principle and interest at 4.25 %. It is now, after completing in XXXX, XXXX, $ XXXX/month at 5 % interest. My principle was reduced {$5000.00} after completion. I have repeatedly tried to re-fi and I " do n't qualify, '' primarily because of my credit. 
My credit is in a shambles. I have n't had a raise since XX/XX/XXXX and had a 2 % pay cut for almost 2 years. I am an XXXX and have worked here for 28 years. Even so, I have been an excellent customer for BOA since XX/XX/XXXX ( though I fought with them to correct my credit when I skipped a mortgage payment at their request ). 
Now I am trying to get a HARP loan and, again, " I do n't qualify. '' Today I was told that my re-fi was an unconventional loan and did n't qualify with MHA. That is the first time I ever heard that. When I objected, the rep talked to someone a second time and he told me that XXXX XXXX does n't own my mortgage. I checked on the XXXX XXXX site and XXXX XXXX has owned it since the XX/XX/XXXX re-fi with Countrywide. If I do n't, then BOA did something to my mortgage that I was never aware of. 
Over the years, I have been told many different, conflicting things by BOA representatives. After the rep gave me XXXX unrelated reasons why I did n't qualify today, I see no reason to keep talking to them. 
I simply want to be able to afford the home I 've lived in since XX/XX/XXXX. BOA has not helped me, in fact, they have made my finances much, much worse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX XXXX I closed a America Express account managed by XXXX XXXX XXXX. The outstanding balance was XXXX. The last time that the account was available on line was in XXXX XXXX there was no balance outstanding. Several months later in XXXX XXXX accepted a charge to that account using the closed account number, an card expiration date 10 months in the past for approximately {$97.00}. XXXX XXXX XXXX accepted the charge to an account closed 7 months previously with an account number terminated 10 months prior with an expiration date 9 months in the past. From XXXX to XXXX XXXX they then charged interested and late charges without ever contacting me. In XXXX XXXX, 14 months after closing the account and 7 months after the charge I received in the mail the account was significantly in default with {$150.00} in late charges. I do not accept that the XXXX account should have accepted the charges. XXXX XXXX XXXX currently lists my FiCA score as XXXX perfect, and XXXX list the account as closed in with XXXX outstanding balance.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I have tried many times to get assistance or have some of my debt forgiven as I have had financial hardship. At one point they told me I qualified but it only changed my payment by {$0.00}. Yes XXXX cent! With that I have had to defer my loans for years causing the interest to now almost double what I owe. How is one supposed to get the balance ( loan ) paid down when you ca n't even afford the " payment arrangements '' they qualify you for?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: VA

Complaint narrative:
Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My credit card was closed by Bank of America due to a security breach and a new card was issued. The new card was then subject to fraud within XXXX day of using it. There is a credit balance on the original card and the Bank has been unable to refund that balance or transfer to my new card for over a month. I have made XXXX calls lasting over XXXX hours in total and each time have been told the balance would transfer in XXXX days. It has not happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04 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: NY

Complaint narrative:
Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I bought a new Toyota Tacoma from XXXX XXXX in XXXX. My bank approved me for a loan for 2.49 %. I went to the dealer to close the deal I was with the finance person. They said Bank of America matched the loan amount of 2.49 % and that I was already approved and could get my vehicle now instead of waiting for 2-3 for the bank loan to clear. Then I was hit with high pressure misleading warranties to add on. I said I was not interested the pressure and the assurance that total vehicle protection was offered and that it only raised my payment slightly, but I had to make a decision right then and there to take the warranties to add them to the financing, I was hesitant as the the pressure tactics were fast aggressive, and very vague. I was told if I did not take the warranties now I would have to pay higher cost later and would not be able to finance them. They finance agant at XXXX said that the BoA agent she was online with dropped my financing to 1.79 %, so I took the warrranties. A few weeks later, I took the vehicle in for service and was told the items I was claiming under the protection package was not covered after I was told it was before I accepted them. To make a long story short, they refunded my money but refuse to talk with me or address my items that they said they would not cover.

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 2016-03-15 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX SS # XXXX XXXX XXXX/XXXX/1962 American express send me this letter about an account and a request for a second card. 

I NEED THIS TO BE CLEAR I DO N'T HAVE AN AMERICAN EXPRESS CARD AND AND NEVER REQUESTED AN AMERICAN EXPRESS CARD. 
someone has stolen my id and applied for a card in my name see attached doc I need for this to be stopped and some XXXX call me at XXXX to get this resolved. 

i have been on the phone of over an hour and was transferred to XXXX THREE TIMES THEN TO XXXX THEN TO THE XXXX AND NO ONE COULD HELP ME!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had an account with XXXX XXXX. Went to collections. Midland Credit Management is the collection agency. I paid them in full on XXXX XXXX, XXXX in the amount of {$580.00}. I have sent several dispute letters to the credit agencies because Midland is reporting inaccurately on my credit reports. It says that I failed to pay in XXXX of XXXX and XXXX of XXXX even though it says paid in full with a XXXX balance on the reports. They have tried fixing it but with no positive outcomes. They keep sending letters back that the information is verified. The only other outcome I desire is a removal of MCM off my reports. I have no other obligations with MCM. I am trying to get a mortgage in the next month or 2 so I can provide shelter for my wife and a XXXX we are expecting. XXXX XXXX removed themselves off my credit report for the said paid debt. I do not have time to go back and forth trying to correct a problem I have been trying to fix for the past 6 months. Its getting old and frustrating. When I call, no one can help me. I do not have the money to hire a lawyer and go into litigation with MCM. Its such a simple fix and everything can be resolved and I can go on with my life.

Company response to consumer: Closed with explanation