vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank sent my money to the wrong account through their mobile app, and have admitted that they are not sure what happened or how money sent to my mobile number was sent into another account. Some of their suggestions have been like so : 1. Whoever had my current mobile number before I had it is probably the person receiving the money. This ca n't be because this number was generated for me XX/XX/XXXX and there were no smart phones in existence on Earth. 
2. Someone set up the mobile app on their phone with my number. This is a clear flaw of their security and they say it 's not their fault. They, however, can not explain how someone can set up a mobile app with only incoming money capabilities. 
3. I am stupid and do n't know how to setup a banking mobile app. I 'd like to note I have XXXX banking apps in my smartphone only, plus another XXXX that I use with regularity on the same smartphone, and have never had this happen to me with any other service. 

They are unwilling to take my money from the wrong account because that account was setup with my mobile phone number. A mobile phone number my bank has had since XX/XX/XXXX, when I opened my first checking account. Another security flaw. 

The amount the bank owes me in mobile transfers is {$720.00}.

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 2015-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. 
Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. 
I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. 
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: CA

Complaint narrative:
After agreeing to pay my monthly payment, the representative, XXXX, pushed me to send my private banking information to her to try to enter me into a program that she would not give me full details and information on. I refused, stating that I did not trust the company with my financial information and that I would be paying the monthly payment as scheduled. She connected me to her manager, who attempted to pressure me into giving private banking information like before. I declined and stated that I did not trust their practices and that in the past, I had been deceived and misled by their company. Therefore, I did not wish to give out any more information than was necessary to process my payment. The manager, XXXX, then began raising her voice and speaking over me about her trust in the company and defended her position, which was never in question. I told her I wanted to explain my reasoning and she yelled over me stating she did not care and would not listen. Dumbfounded, I informed her of how rude and unprofessional she was acting, and how it was not reflecting positively on her company if that is how she speaks to customers. She yelled at me one last time saying she did not care and then hung up on me. When I called back to file a formal complaint, I was told they would listen to the call and get back to me, but then proceeded to attempt to defend the managers actions and demean me. I asked for the information as to filing a formal complaint and also inquired as to if I was able to file a complaint on a separate website, and the representative became livid and rude, stating it was not her job to tell me how to file a complaint. This company has never been helpful, and has repeatedly harassed and verbally assaulted me as a customer. It is shameful and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 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: GA

Complaint narrative:
For the past year, I have repeatedly informed this institution on the best feasible way to reach me and each correspondence is sent certified mail. I have stated on the web for the past 6 months that I CAN NOT access the loan portal page since Bank of America changed some permissions on the portal so I am unable to access and technical support was unable to override. 

Per the attached, there has been challenges with either receiving mail or having mail sent of the office. ( see attached ). If I am unable to obtain some items which are FREE this would indicate that are issues. I also requested that if I needed to be contacted to please contact me at my residence at XXXX. I am charged to connect to BOA from XXXX and if a fortune XXXX company can not contact regarding this issue or issue a collect number I 'm further concerned about this consistent attempt of BOA to insist they have n't received documentation and/or can not contact me. In addition, there is a XXXX hour time distant from the XXXX to XXXX so please do not contact me after XXXX. 

Additionally, on three separate occasion BOA or its agents have been on-site to either threaten or prevent rental of this property. This documentation has been sent on various occasions with dates and names. This has cost me thousands of dollars to include issuing a writ of possession since the agent informed the tenant that she should not be paying rent. Eviction resulted in XXXX worth of damage to the residence. BOA asked if I would be able to pay XXXX of good faith money down and I asked if they would like for me to put those funds down or to pay for the damage. There was never a response so I assumed the repair I have before and after photos to validate my good faith. 

This coupled with the fact that this company has not attempted to complete the RMA, sent back two certified full payments which would have taken the house out of foreclosure at the time and NEVER informed me to make a payment. Illustrates the intent of this institution to be unwilling to adhere to acceptable mortgage servicing practices. 




Therefore, I requested that the home be sold at XXXX which is the cost of the last appraisal conducted. This also is in accordance with the loan modification process ( attached ) but NOT adhered to by BOA. 

With all the documentation that I have on file and the correspondence submitted and not acted upon I am pretty confident, well documented solid case. I am unsure if this case of rampant through BOA or if this is a rare occurrence. However, I truly do not wish to have any dealing with BOA and would like to sell this residence so I can get on with my life.

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 2016-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
payments not being properly applied. was approved for 2 modifications which were supposed to help me but ended up hurting me. i purchased a home for XXXX which i now owe XXXX there are {$94000.00} worth of payments that they do not apply correctly due to them putting every payment that was made to an unapplied total area that they always seen to reverse right out leaving me with a negative balance. i called for over 2 weeks to get it resolved and i kept getting transferred. i once was even told did n't you benefit from the whole situation. any and everything you can think of in reference to my loan is not being properly done! i have been charged 7years and 1 month of the XXXX worth of pmi payments when i have only resided in my home for 6years. my modifications that were done are not being followed nor done properly either.

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 2017-01-21 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: WA

Complaint narrative:
Navient, formerly XXXX XXXX, has made it extremely hard for me to pay down my debt. I have been paying on my loan since 2009 and have not felt it go down. Although, I know that I did use my forbearance, they never offered any alternative plans for me. I tried so many things, consolidation with local banks, with other loan servicers and even tried to see if I could get lower payments with them and they not once were able to help me. The reason I do not qualify for their assistance plan is because I do not make enough for them to lower my payment, even though I can not afford their payment at all! I do have other federal student loans in the amount of $ XXXX and the amount with Navient is $ XXXX. I started with $ XXXX and my parents were able ( at the time ) to help me. Now that their status have changed, they are not able to help me and because I do not qualify for anything else, I can not remove them from my loan. So not only does it affect me, it also affects my parents. I make approximately $ XXXX a year combined with my husband and they will not and can not work with me. I feel that they need to be able to grant some kind of leeway or payment options for this. It is very unfortunate that at the time of the loan they say that they will work with you and once you have obtained it, they will not. I still can not afford it, and because of their harrassing calls, every other month I have to decide whether or not I am making my Navient payment or my utilities. It is quite saddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint is about Bank of america, location address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, on XXXX XXXX, 2015 I deposited a check into my checking account at the drive-up ATM in the amount of {$200.00} from XXXX XXXX. Bank of America took the money out my account within a week. XXXX XXXX states that the check was cashed by bank of America on XXXX XXXX, 2015 and has faxed a copy of the signed check to different workers numerous times on several different days. Its been three months and Bank of America will not give me my money.

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 2017-01-19 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: OH

Complaint narrative:
I 've done everything I can to pay my student debts. I 've joined the military, but the benefits they offer do not extend to private loans. I 've payed off all of my federal loans now, but I still have trouble with the private loans. There are no options with them other than forbearance, which I am currently in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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 has been on my credit report for some time now and refuses to come off. I have never had a loan with them. Magically one day they appeared on my credit. They do not have any signed written or documentation to prove that I have ever opened an account with them. I want them off of my credit. This is clearly fraud and they must be in the bed with all XXXX credit bureaus. I am filing this complaint before taking them, as well as the credit bureaus, to my attorney.

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: PA

Complaint narrative:
Numerous times have called to get a payment that was affordable to my budget. I was told there was nothing they can do to help me with payments at almost XXXX $ a month. That would leave me on the streets! At one point I was in an affordable plan and was told just call to renew the plan I did and was told I can not get back in the same plan! It 's a scam and they do not work with you! And mKe more money by allowing customers to go into default intentionally!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Gila Corp have been calling my home number on a daily basis for the past 2 years. They leave automated messages concerning a debt. They do not advise what it is only a number asking me to call them back. I did return their call but I got nowhere. They continue to call which is giving me emotional distress. If I owe someone money they should send me an invoice or statement and if it 's correct I will pay it.

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: WA

Complaint narrative:
I applied for an income basedrepayment plan and was approved. I also had learned about the 10 year public service loan forgiveness program, or so I thought. I contacted Navient and spoke with a customer service representative who confirmed that my IBR plan qualified for the loan forgiveness. I continued making regular payments under my IBR plan for approximately 3.5 years before switching employers. Once I had switched employers I attempted to update my IBR payment plan information and again get confirmation on my forgiveness status. I contacted customer service again and was informed that my IBR plan alone did n't qualify me for loan forgiveness and that the 3.5 years of payments were not valid because I had not applied for a consolidation loan. Needless to say I was somewhat devastated when I realized that I had in effect wasted 3.5 years of time. I have since applied and been accepted for a consolidation loan and am under the belief that my current payments are counting towards the goal of XXXX after which I am qualified for loan forgiveness, but I still lost out of over 3 years. I do n't know if this is the type of situation which would qualify for the class action lawsuit but I thought it was worth asking. I thank you in advance for any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. 
I have tried to resolve this issue over the phone and do not believe anything I am told at This point.

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 2017-03-27 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: VA

Complaint narrative:
I am a student whose loans have always been in deferment. My loans are stating that they were 90 and 120 days past due in XXXX and XXXX of 2015. This is not possible because I have always filled out forms in a timely manner to make the schools aware of my full time student status. Navient also did not make me aware of other programs I could have used such as financial hardship to defer my loans. I was never sent a bill notifying me these loans were past due. I do n't think my credit report should be affected because of this.

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

Complaint narrative:
I am replaying PLUS loans for my daughter 's education. It originated with XXXX XXXX and was transferred to Navient. I do n't think my payments are being allocated correctly. One month more goes to interest than another month. Even on months I pay early, principal amount goes down.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: GA

Complaint narrative:
I 've been working with Navient Loans for over a year now trying to do forbearance and income-driven payment plan. They have requested I complete an application about four times and mail information to them. I 've followed their instructions and mailed all the requested paperwork to support my request and income verification. As of last week they continue to state they are not receiving the information. Now they are not willing to work with me and I can not afford the payments and this is affecting my credit and they are threatening to garnish my taxes and check.

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

Complaint narrative:
My name is XXXX XXXX. I sadly got a loan for schooling through XXXX XXXX which is Navient. I called more then once to get a lower payment on my student loans and they say that there is nothing I can do about it. I try to pay it but I simply can not pay on my salary. Every time I call to ask, they say I should just do a forbearance. I do not want to keep doing a forbearance. I want a reasonable payment. I beg this is all I want. It 's hurt my credit enough. I 'm now going through struggles finding housing because it has impacted my credit so much. Please. Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America 's CEO, President, Attorney XXXX has the background of our XXXX rooted mortgage XXXX situation, involving IRS estate tax time window whereby, millions were lost needlessly, affecting BofA mortgage XXXX, its collateral, XXXX, XXXX, not intended to be sold, if Winchester commercial realtors performed as hired. 

DOUBLE DIP -- BofA, by involving smaller lenders, rewinds the mortgage clock, to day one. 

My siblings and I, through our parents ' estate have already, since XXXX, paid in approximately $ XXXX in lump and other payments, to XXXX. This is $ XXXX out of about a $ XXXX or thereabouts purchase price. 

Compassion and humanitarian perspective needs to be heightened, as I have XXXX siblings, approaching senior years, who have lived life with XXXX, believed to have been due to exposure to DDT as infants, in agricultural area. THIS XXXX. HOUSE WITH OTHER PROPERTIES ARE OUR BACKUP PLAN TO WELL-BEING. GRATEFUL FOR XXXX, XXXX, XXXX, BUT THESE PROGRAMS ARE IN THE FINANCIAL RED, MAY OR MAY NOT BE THERE LATER. 

PLEASE ASSURE BOFA UNDERSTANDS, we can not afford " double dip, '' as after paying in approximately $ XXXX, another $ XXXX, rewinding the mortgage to day one, would have a house worth about $ XXXX on the market today, THEORETICALLY COST ABOUT $ XXXX! THIS SHOULD BE A VIOLATION IF ANY BANK CHARGES DOUBLE FOR A HOUSE, IN REALITY FIGURES. 

In XXXX, BANK OF AMERICA SETTLED $ XXXX IN MORTGAGE VIOLATIONS, WITH CONSUMERS. 
MAY OR MAY NOT HAVE BEEN GIVEN THE SAME OPPORTUNITY THROUGH USDJ/BofA Stipulated Settlement on XXXX. 

I wish for BofA to understand that my family and family estate can not be victims to smaller lenders. We need to work with BofA exclusively and inclusively, as it has the best online banking services and best long term customer service for business and personal. 
Above all, we can not afford double dip into our mortgage payment plan, where a house begins its price tag at $ XXXX or thereabouts, there are payouts close to $ XXXX with improvements, then, a smaller servicing lender, BofA hands the loan off to, rewinds the mortgage to $ XXXX, day one XXXX, figures. THEORETICALLY, BECAUSE OF INTEREST, THIS CAN END UP MORE THAN DOUBLE DIP, as just taking payout approximate amount with improvements being close to $ XXXX, adding the rewind $ XXXX XXXX figure, Equals about $ XXXX -- possible unjust impoverishment case for any homeowner, especially, if house markets in XXXX, at $ XXXX. 

LARGER BANKS HANDING OFF LOANS TO SMALLER LOAN SERVICING PROVIDERS : SMALLER LENDER HANDOFF GOUGE SHOULD BECOME A CONSUMER PROTECTION LAW, INCORPORATED INTO HOMEOWNER BILL OF RIGHTS LAWS -- LIKE CALIFORNIA 'S XXXX. 
LEGAL SAFEGUARDS TO PROTECT AGAINST UNJUST IMPOVERISHMENT OF HOMEOWNERS.

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