vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-12 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: CA

Complaint narrative:
On Sunday, XX/XX/2017, I attempted to make my monthly loan payment online ( through navient.com ) with additional funds ( more than the amount due ) allocated to a specific loan. However, the Navient website does not allow users to allocate extra money to a specific loan. Instead, Navient allocates the extra funds across all of the loans, by default. The only way to allocate additional funds to a particular loan is to contact Navient Customer Service by telephone. 

This resulted in 2 issues : ( 1 ) I was unable to allocate additional funds to a particular loan through the website, and Navient 's Customer Service department is closed on the weekends. This resulted in my payment being 1 day late. 
( 2 ) I called Navient Customer Service on XX/XX/2017 to pay my bills and to allocate additional funds to a particular loan. The Customer Service representative indicated that the funds would be allocated accordingly, and she twice confirmed the specific loan number that would be receiving the additional funds. 

On XX/XX/2017, I checked my account online and found that, despite my explicit instructions to allocate additional funds to a particular loan, no money was applied at all toward that loan. Instead, Navient allocated the entire payment ( including the additional funds ) across all of my loans without applying any of the money toward the particular loan I had identified. 

The fact that I am unable to allocate payments through the website ( and instead am forced to call Customer Service ) is burdensome enough. This is further compounded by the fact that Customer Service is not always available to assist with this task. Finally, Navient 's Customer Service incorrectly allocated my most recent payment ; this requires immediate correction. Please note that I also sent an email regarding this issue to Navient 's Office of the Customer Advocate last night. As of this writing, I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
I feel that they were steered into forbearance for the first two years of loan. Then I apply for an income-driven repayment plan and I have been paying now for 5 years and loan has n't gone down at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
My SSN was stolen and used to open numerous credit accounts. Among them was a XXXX wireless account. When I discovered this, I immediately called XXXX asking them what I needed to do to close the account and file a fraud claim. I followed their directions and submitted the requested paperwork including the police report, customer receipt and proof of address. they determined that it was not fraud and have been attempting to collect on this bill. They have since sent it to a collection agency and I am getting calls everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
In 2003 I took out a Home Equity loan on my residence through XXXX Bank XXXX XXXX for approximately XXXX. A short time later in 2003 I also refinanced my residence mortgage with XXXX Bank XXXX XXXX for approximately XXXX. The loans were absorbed at some point by Bank of America where I had been paying on regularly until up until about a year ago. 

At that time I went through a divorced and my income level was reduced. I have had trouble paying on the loan for XXXX and the loan was handed of to XXXX XXXX. During my discussion with XXXX representatives about what was my first ( primary ) mortgage and what was the second ( equity ) I discovered that Bank of America had reversed them. I have since been in contact with the Mortgage Department at Bank of America who do not seem to understand that the mistake has been made. 

I have since spoken to a Bank of America manager who advised me that it did n't matter what was the first or second mortgage. That same manager stated upon speaking to the Mortgage Department they reaffirmed that the equity loan had been turned over to XXXX and was being treated as the primary mortgage. 

The primary mortgage on my residence has always been the lower of the XXXX loans. Contrary to what Bank of America personnel are saying it does matter which loan is considered the primary mortgage on the property. The reasons are many and especially given that XXXX was turned over to another lender and I am working to secure a refinancing program through them.

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 2016-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: NE

Complaint narrative:
On XXXX XXXX a XXXX Nebraska Sheriff knocked on my door. He told me that he was there to serve me with a Notice of Quit, which he then explained was a pre-eviction step. I was dumbfounded since, to my knowledge, we had been paying our mortgage every month. Turns out, we were having some confusion with the bank and our checks were Their l not clearing. This had been happening for about 9 months, and up until this point, we had received no communication whatsoever. We were not told that we were facing Their l foreclosure, we were not told that our home was being sent to auction, but magically, they were able to inform us that our house had been sold and since Nebraska has no buyback plan we were out of luck. Our only option was to go to the bank and take out a brand new loan, which we could n't get because of the foreclosure. Had Franklin American contacted us before the sale we would have been able to pay what was owed, but since we had no idea we were in trouble we took no steps to save our home, leaving our family scrambling for a place to stay. Their lack of contact/communication is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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:
Bank of America stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed

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 2017-01-23 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: MA

Complaint narrative:
I have been repaying my student loans since 2010 under either XXXX or Navient. I have had serious issued trying to remove my cosigner from XXXX of my XXXX loans I have with them. I 've submitted all the necessary documents and have paid on-time for over a year, which is the requirement, and they still wo n't release my cosigner. I 'm really unsure what other measures need to be taken to release her. If credit plays a role, I have bad credit because I have so many loans. It 's never ending. Navient is not helpful, and trying to reach them via phone is a nightmare. They do n't really care to help. I 'm not sure what joy they get out of being so rude to their customers, but I guess they can since we 're all stuck and have no choice in the matter! I 've also received emails saying there was a change in my due date - then when I pay on that date, I am told it 's late and that nothing ever changed. Must be using a bad direct email tool or something!

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 — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When Navient bought my loans from XXXX XXXX, my interest rate more than doubled. They would n't work with me on monthly payments that had more than doubled when they took over my loans. I 've paid thousands in penalties and interest that I feel I should not have been forced to pay. 
My loans have been paid in full for almost a year. I still receive daily phone calls, multiple times a day, from their creditors threatening me unless I pay my balance. I have told them repeatedly that my loans were paid in full. They still call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
I contacted the Original Creditor, XXXX XXXX Hospital in XXXX 2016. I spoke to XXXX. He told me that according to his records all of my bills with them are paid and I have no outstanding bills. I then contacted the collection agency, Central Financial Control, and spoke to XXXX. He was unable to locate my account. I would like this removed from my credit report. I do not have any outstanding bills with XXXX and have had this verified. I do no know what this is yet it still remains on my credit. The Credit Bureaus tell me that Central Financial Control is reporting that there is in fact an outstanding bill, yet their representative is unable to locate it when we call.

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 2015-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of AmericaI am in need of your assistancewas there a title report completed 2009? 
was there a property inspection report in 2009, prior or after 2009? 
is the information correct on page XXXX section XXXX?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My wife and I bought a house in XXXX and did some remodeling, etc. In XXXX when we refinanced our construction loan into a XXXX year fixed mortgage, the rate for our nonconforming loan was 6.25 % with Bank of America. The recession then wiped out a substantial portion of the value of our home - which we have not yet recovered. 

Since then, I have had several setbacks. In XXXX, I lost my job and in XXXX, my wife passed away. 

Since XXXX, I have repeatedly tried to refinance at a lower interest and can not, despite the fact that BofA already own the liability on the home through my current mortgage. I have been given many different reasons that we cant refinance, including ; " there is no tarp loan modification program that fits for jumbo loans, even though there is XXXX for everyone else '', '' your house does n't appraise high enough to meet the 80 % threshold '', '' you do n't have sufficient income history '', and " you need XXXX years income history for your own business. " I have been paying interest at substantially more than the market rate for more than XXXX years and feel victimized by the bank. 

I have never missed a payment, but it 's becoming more difficult with kids in college, with a lower income, and without my wife 's help. I simply want to refinance at a rate that makes sense in today 's environment, a rate that is fair considering the XXXX of people who have been able to refinance since the recession. I have done my part and now I need some help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi. 
Month ago I opened Bank of America cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Bank of America stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I purchased an international product using my Bank of America ( BofA ) XXXX card but the merchandise received was lower quality in workmanship and material than XXXX prior suites purchases at a lower cost. I contacted BofA to raise my concerns and they informed me of the process to follow to resolve my dispute. Since the first call, BofA did not provide proper guidance for international disputes ( per XXXX ), been unresponsive to my follow-ups ( XXXX calls ), and, during my last phone call with the Credit Claims Department on XX/XX/2016, the BofA representatives asked me to forge a letter from a XXXX retailer to say the product was not of quality ; this was witnessed by myself and the BofA Branch Manager. I am very disappointed in the way BofA has handled my credit card dispute.

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 2016-03-01 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: MI

Complaint narrative:
My Tuition Answer Loans with Navient is behind and they keep calling me and saying that I am in default, they tell me to contact XXXX to resolve this, however they do n't have any idea of why I am calling them at all. Navient is not willing to do anything for me what so ever outside of harassing me to no end. I have requested a income repayment plan they denied it on the bases that I am behind. I have made it very clear to them that due to this I will make payment how I can, they are not happy with this. 

This makes no sense what so ever, and is not the kind of dealings that should happen what so ever. I simply want ALL my loans in XXXX simple income related payment.. what is so XXXX hard about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Bank of America Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Bank of America and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Bank of America. 

I called Bank of America and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Bank of America processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Bank of America to provide proof that they sent {$850.00} to the correct party at the correct bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: TN

Complaint narrative:
I have tried unsuccessfully to get Navient to lower my payments without any success.My payments are {$700.00} a month. I {$2000.00} before taxes. I have cosigners and they have been after them to make the payments. I am able and willing to make payments but not {$700.00}! My mom has been helping me out for the past few months. Her house burned last year and with the insurance money that she was to used to replace items in her home, she gave to me. I have called Navient numerous times asking for a reduction in payments and their only answer is my cosigners. Neither of my cosigners are financial able to help and both are retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed an initial complaint with the Consumer Financial Protection Bureau on XXXX/XXXX/2015. It took until XXXX XXXX, 2015 to obtain a response. At that point, BOA finally gave the name of the company that they sold the mortgage. After which time, their cooperation ended. Contact was made with XXXX XXXX. XXXX XXXX provided a payoff. After which time the request for the Assignments of Mortgage were requested. As they were not recorded and in dire need to show ownership of this mortgage. Nothing was done. BOA, XXXX XXXX ( XXXX ) XXXX x XXXX or anyone else was did not respond to the repeated requests to provide the information. A clear chain of title can not be completed without those assignments of mortgages. Without a clear chain of title the property can not be sold. XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX credit was contacted in reference to this matter on XXXX XXXX, 2015. ( XXXX ) XXXX. XXXXXXXXXXXX. I have spoken with XXXX XXXX from XXXX XXXX ( XXXX ) XXXX at e-mail XXXXXXXXXXXX. At this point he is not responding to my calls. I have reached out to everyone I possibly could in order to resolve this issue. This file started at XXXX Mortgage, then went to XXXX XXXX. At some point, it must have been sent back to XXXX Mortgage because when Bank of America Acquired the assets of XXXX Mortgage, they gained possession of this loan. The Corresponding companies and account numbers are as follows : XXXX Mortgage Loan # XXXX XXXX XXXX XXXX Loan # XXXX Bank of America Loan # XXXX XXXX Bank-No loan number, but Foreclosure Case # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The CBE Group, Inc.
State: IA

Complaint narrative:
A loan was made with the federal government, sent to CBE collections agency to collect the debt and is now in the stages of harassment. They have called friends and family looking for me. It is to the point of inappropriate and a disgrace as the payment is in full.

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

Complaint narrative:
I have called a few times in the past to get an exact percentage as to what my interest is on my current loan and I have been given the run around on it. I was told XXXX different numbers which did not add up correctly when running the numbers through a spreadsheet then I was told it was in my promissory note. I checked that and that lead me to look at a XXXX XXXX number which did not add up either. Been lost in all of this and felt that I have not been told what is the exact interest number as it seems like it constantly changes. 

I understand the amount I have left, but what interest do I owe? If I gave you XXXX each 30 days, how much of that goes to the current balance and how much goes to the loan? And why does it change? How do I know what I am actually paying?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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:
Initially discharged in Bankruptcy. Account not paid late. Made arrangements with XXXX XXXX before splitting to Navient and was paying. Instead of reporting payments Navient reported me late damaging my credit and that of my co-signer which is a US Service Member XXXX XXXX.

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: FL

Complaint narrative:
I see that now Fed are suing Navient which is one of my school loan providers are being sued for not taking complaints and working with us to have assistance in lower the repayments of the loan.

Company response to consumer: Closed with explanation