vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
For the past XXXX months I have received notices that my mortgage payment was past due. I 've been paying my mortgage on time, through my financial institution, for XXXX+ years. For the past XXXX months my mortgage payment has been applied to a credit card that I also have with this company. This is odd since I have n't used this credit card in more than a year and it has had a XXXX balance during this time. I have sent them proof from my banking institution showing the funds were sent on time each month showing my loan number, yet I continue to get calls from collections. I have spent HOURS on the phone with the mortgage company, spoken to multiple people, put on hold for excessive amounts of time, been transferred to incorrect departments, been told that my banking institution was responsible for the error, and disconnected more than once. I 'm sure you realize that each time I call, the story has to be explained to a new representative ( who usually asks multiple questions ). XXXX months ago, while on the phone with the lending company, and learning that my XXXX mortgage payment had been applied to my credit card account XXXX the one with no balance ), I requested they close the credit card account so that I would only have one account with them XXXX my home loan ). I was transferred to the credit card department and the account was closed. Unfortunately, my next XXXX mortgage payments were applied to this CLOSED account. After another round of phone calls, I was told that yes, indeed, the credit card account had previously been closed at my request. So, how can my mortgage payment continue to be applied to a closed credit card account??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have contacted Navient via telephone regarding co-signed loans requesting information to be sent in writing showing the amount of the loan ( s ), distributions, date of all transactions ( payments credits, fees, interest ). I informed Navient that i just started receving notices about the loans in the last few months, nothing prior. Also that one of the loans was fully paid in XXXX 2013. I have also requested information for a release of this co-signed loan and the status of the application.on the second student loan. 
Navient will not provide the requested information in writing and has ignored all my requests. Previously Navient filed false and inaccurate information with credit bureaus which has caused me financial harm. Navient stated they investigated my complaint saying the false statements were accurate even after I sent proof of their false statements to both Navient & CFPB. No further action was taken on my behalf by either Navient or the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
On XX/XX/2017, I submitted a regular monthly payment ( actually it was {$0.00} above the monthly amount ). On XX/XX/2017, I made a secondary payment of {$50.00} and requested this to be allocated to the principal only ( it was written on the check ). I checked on XX/XX/2017 to confirm the allocation to principal. This second payment was not allocated to the principal, it was allocated to interest. I called to have Navient correct the payment. I was told over the phone that any additional payments would go towards interest only. I rebutted the issue. I saved up extra money this month to make this principal payment. I requested the call be escalated. After waiting over 30 minutes, the call was terminated by Navient. I have not been contacted as of yet. The second payment still shows as being allocated to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 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: TX

Complaint narrative:
On XXXX XXXX, 2015 I called into Bank of America to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Bank of America on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Bank of America not releasing the funds and steadily charging me outrageous fees. Due to Bank of America not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My Sister and I have accounts in Bank of America. She is in XXXX and I live in XXXX. I wanted to transfer {$200.00} to her account. I logged in the Bank of America mobile application and used the " Transfer Money '' feature. It prompted me for a Cellphone or Email address and the full name of the recipient. I input my Sister 's full name and her mobile number and clicked on Submit. The next day my Sister notified my she had not received the money yet so I called Bank of America. I spoke to one of the associates there and I was notified that the money transfer was sent to an account in XXXX XXXX. They were not able to provide me with the information of the owner of the XXXX XXXX account. Bank of America is telling me that this is my mistake. That I should have not used a mobile number. Bank of America opened a " dispute '' on the transfer but notified me that if the owner of the XXXX XXXX account refuses to return the money, then that means that I have lost the {$200.00}. I will never see the {$200.00} again. 
My Sister number is also registered under Bank of America so I do not understand why would the transfer be sent to " Outside '' of the Bank of America network instead of figuring it out that there was an account within Bank of America with the same mobile number registered. My Sister does not have an account with XXXX XXXX. She only has a XXXX XXXX through them. I am on my second day calling Bank of America and they keep avoiding me and putting me on hold. When I finally contact an associate they tell me that there is nothing they or I can do but only wait. This transfer feature is not secure and it is faulty. Bank of America needs to be held responsible for this mistake and audited to make sure this error does not happen again to other customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: IL

Complaint narrative:
In 2007 I XXXX with an XXXX degree. Since then XXXX was purchased by XXXX XXXX and now they too, out of business.. The XXXX location that I went to was sued and found to have given fraudulent placement rates and graduation rates. 
My private loan listed on Navient is at {$49000.00} and not only can I no longer afford this, I do n't feel like I should be paying for a worthless degree and education that I chose based on their lies. 
The other issue is they have the completely wrong school listed on my loan. They have the XXXX XXXX XXXX XXXX, which I have NEVER attended. 
A lawyer suggested I reach out to this agency for info and assistance. Thank you for your time and any help or advice you may be able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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:
Simply, first they did n't consiladate ALL XXXX of my loans. XXXX were left out. Those XXXX loans were now heading to collections. They consolidated those XXXX loans. So now technically I have 2 monthly payments coming out of my account. XXXX payment of the XXXX did not go through so they just sent them to collections and I was told they ca n't get them back out of collections. This mess also started that I keep get denied a loan even with a cosigner to return to school to finish my degree, in order to get a higher paid job in order to make these payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 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: WA

Complaint narrative:
I recently made a large lump sum payment to my student loan. I called Navient ahead of time to confirm that this would decrease my monthly payment amount. The representative stated that it would, and estimated that my payment would decrease from $ XXXX/month to approximately $ XXXX/month. She stated that I should contact Navient after my lump sum payment went through to request a new payment amount. 
When I did so, I received a form-letter email stating that lump sum payments would not typically reduce the amount of the monthly payment, but would decrease the term of the loan. The email said, however, that Navient would honor my request and send me a followup letter when the new amount had been calculated. Instead, the followup email again denied the payment decrease. I called Navient today and spoke to a representative, XXXX XXXX XXXX? ), who consulted with her supervisor, then explained that there had been an error processing the request. She promised to correct the error. Instead, once again I got a form-letter email stating that the monthly loan payment would not be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Closing was set for XXXX/XXXX/2015. On XXXX/XXXX/2015, BOA 's home loan fulfillment rep unprofessionally and demandingly requested an additional, lengthy and extensive HOA report from the property mgmt co which we, the buyer, unknowingly had to pay {$280.00} for-after the initial HOA deadline had passed and all Colorado required HOA info was already turned in for closing. BOA employee was the one who forgot to request it so it was suddenly an emergency on the property mgmt 's part. On XXXX, BOA asked for more info from the HOA, which was provided. On XX/XX/XXXX, they asked for more info from the HOA, which was provided. On XX/XX/XXXX, they again asked for MORE info, which was provided on XX/XX/XXXX. ( I was told by the VP of the dept that handles HOA condo/co-op docs that they ca n't just review them on the drop of a dime when they are the same ones that requested them the same week of closing. ) Closing date came and went with NO ATTEMPT FROM BOA TO CONTACT THE SELLER TO TELL HIM HE COULD NOT CLOSE BECAUSE BOA DID N'T REQUEST THEIR OWN INFO ON TIME. I am now outside of the Amend to Extend deadline bc the BOA employees who request this info do n't look at it, return calls, etc. I am at risk of losing this deal BOA did n't DO THEIR JOBS. In fact, just today, I was asked for a HVAC repair receipt when that was completed and documented weeks ago. ( Why am I being asked for repair bills anyway when inspections are voluntary? And why am I being asked AFTER I should be closed??? ) EVERYTHING has been done from the HOA, buyer and seller 's perspectives to meet deadline, including the closing dates, and no one at BOA is doing their part. NO ONE returns calls, NO ONE tells us the status, we ca n't even sign an Amend to Extend because we do n't even have a date to offer bc no one seems to care if/when we get final settlement # s ... including up to and past the day of closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I GOT BEHIND ON MY PAYMENTS BUT HAVE BEEN MAKING THEM. MY CREDIT REPORT IS STILL SHOWING NO PAYMENTS AND I HAVE MAILED THEM NUMEROUS LETTERS AND CALLED TO HAVE IT CORRECTED. I HAVE BEEN MAKING {$20.00} EVERY PAY PERIOD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-11-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to XXXX, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code 2923.5. I hire XXXX XXXX attorney on XX/XX/2014 he file bankruptcy because XXXX, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer XXXX its been sued for my attorney case # XXXX. the law office of les zevie its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an XXXX I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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: DC

Complaint narrative:
Navient Department of Education is denying me a student loan deferment and consolidation despite my application being approved. In fact, my loans should be deferred until XXXX/XXXX/XXXX. In addition, because Navient Department of Education is not honoring the terms of my consolidation loan I ca n't reapply for another loan and reenter a institution of higher education for XX/XX/XXXX to complete my degree. Also, my approved consolidation loan and loan deferment is not taking my loans out of default status. review the following conversation between myself and University XXXX at XXXX : XXXX Registrars Office XXXX XXXXXXXXXXXX XXXX to : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX date : Tue, XXXX XXXX, XXXX at XXXX subject : Re : University XXXX : Transcripts & Records : XXXX ID : XXXX mailed-by : XXXX signed-by : XXXX encryption : Standard ( TLS ) Learn more : Important mainly because it was sent directly to you. 

XXXX XXXX, Thank you for contacting our office. After reviewing your records we did receive your Transcript Request on XXXX XXXX, XXXX via mail. We called you and left a message on the phone number you have provided on the request the same day we recieved the request. Our office is unable to process your request at this time due to a financial obligation. In order to process your request, your financial obligation will need to be cleared. Please contact the following office for more information : XXXX Business Office ( XXXX ) XXXX Once the hold is cleared, please notify our office so we can continue processing your request. If you have any questions, please feel free to contact our office. Have a great day. 

XXXX, XXXX XXXX Registration Assistant Therefore, Navient United States Department of Education is not clearing my default status and honoring the terms of my consolidation loan. I believe their agency is refusing to cooperate with me as a result of retaliation because of audits on XXXX XXXX Loan Servicer and XXXX XXXX XXXX Direct Loan Program. This particular discrimination is ongoing and consistent. I believe the employee 's for the United States Department of Education is denying me the right to finish my degree endeavor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had a mortgage with Countrywide which then became Bank of America back in XXXX. I filed Bankruptcy in XXXX. Discharged XXXX. After the Bankruptcy we continued to make payments to Bank of America for our XXXX. During the next 7 years we applied fro Loan Modifications on XXXX different times. Bank of America would have us sign and make trial payments. Each time we never received Final Loan Documents. During this time I kept making the modified payments and would call Bank of America regularly to ask why They have not sent us Final loan documents. Was told by Bank of America they would expedite it, but still never received them. We just kept making payments. Bank of America just kept dragging it on to get any payments they could. Now XXXX XXXX, XXXX I find out the Loan was never re-affirmed and that it was part of the bankruptcy and it was discharged. So Bank of America drug this out for so long just to take our money even though it was BK. We paid over $ XXXX. I believe this is Fraud on Bank of America. Please help us get our money back. Property BK now. Backup documents attached are only for recent activity.

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

Complaint narrative:
I Struggled for so long with my student loans. It was and still is an absolute nightmare when it came to the repayment. Trying to contact them to have them explain things or figure out a plan was nearly impossible up until I missed a payment or was late with one. Then they would call me to harass not understanding I was out of work. I had to ask for help from my mom that would then put her Income tax return money to help pay and they of course messed that up by not allocating the money the way I requested and they even charged me 2 times a month. Needless to say that they had me so utterly confused and had no idea of how to resolve my concerns because I felt something was very odd in the ay they ran things.They urged me into an option of forbearance not mentioning that the interest would continue accumulating. 
I even recently had come into money from my brother that was for my XXXX but I decided to try and get this nightmare off my back by trying to settle out of this and made a payment of {$6000.00} towards the loan, yet they would not take my offer and said I had to pay off the full amount. Now that I made the payment I CANT GET THEM ON THE PHONE!!!! It always seems to disconnect! I am so worried that they are not allocating the money correctly and not working with me in bringing down interest! 
Pretty much all the charges I have heard on the news are very SPOT ON, I kept stating that I felt I was paying that Principle balance over a XXXX times over. Things seemed so very odd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I 'm in School. I 've reported that i 'm a student at XXXX. XXXX reports to the XXXX. Navient is still charging me interest. Please correct them on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: MD

Complaint narrative:
My loan was " sold '' to Navient who tried to collect on it, Navient then gave it to XXXX. XXXX said that if I made three on time payments of XXXX a month they would lower my interest rate from 10 % to .001 % so that I would actually start making headway on my loans. i made the payments but they never lowered my interest rate and they never updated my account to show current status or that my balance was decreasing. Navient stated that they never received conformation that I had made the payments and that they had a deal. When they researched the account the found that I was right and they said that i would be credited the interest back over time, so there was no real benefit to me. They also said that there was a new policy that no credit reports were going to be updated as of XXXX 2016 so all the payments I made were never going to be reflected, my credit report would always show that I was behind. Because this is reporting inaccurately I can not qualify for a house or loan consolidation of any type.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have loans dating back to 2004. I have Signature Loans with XXXX XXXX Navient. I received bills before I was even able to graduate from school. Navient has not provided feasible payment options and my loans are growing exponentially.

Company response to consumer: Closed with explanation