vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Our complaint is against XXXX and BOA. 
Our original loan was taken out with BoA which had agreed in XXXX of XXXX to a modification that we had requested in XXXX because of a drastic change in our income. We had never been late, or behind, and according to BoA have been super responsible to come ahead of time to see what could be done. So from than to including XXXX XXXX, numerous failed attempts of BoA to put the modification in their systems to reflect properly. We have XXXX folders full of written communications with XXXX XXXX, teamleader and assigned manager to deal with the problem, as well as voicemails, from him and other employees working for the office of the president of BoA reassuring us that the modification is completed, and we would get out credit repair and a letter of apology. In XXXX of XXXX we where told that BoA exidenly assigned the deed to XXXX. BoA send a Fax the same Day to XXXX from their Legal department and provided a fax for us as well to proof that they are getting the loan back. Upon further research we found that XXXX does n't own the loan, the deed is held by XXXX XXXX a division of XXXX and not XXXX. XXXX threatend to foreclose, and BoA would stop it, all along promising all is well, and because BoA was always stopping all actions taken by XXXX we believed. Until we ended up having to file bankruptcy to stop forecloser action the morning of, even though we had been told by Bank of America not not to worry everything is fine on the same day. We had to get a lawyer which, has created a lot of off out-of-pocket expenses. We ca n't get BoA or XXXX to finish this or even give us an answer! We think that this is unacceptable, plus now we are finding evidence that transver was n't handled lawful.BoA advised us to not make payments to XXXX, because we would admit to the original dead, and modification would be canceled out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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:
I submitted a principal reduction payment for {$100.00} dollars on my loan in an effort to reduce my loan balance. They miss allocated the payment and charged me interest even though I am caught up on my regular payments. I made a payment on XX/XX/XXXX and in 6 days I somehow managed to accrue XXXX in interest charges. The odd thing is that from XX/XX/XXXX to XX/XX/XXXX according to the billing and payment allocation from n=Navient I only accrued XXXX cents in interest. It is my understanding from the promissory note that I can make principal reduction payments as long as I am current on my payment schedule which I am. They Explicitly state that you include specific payment instructions which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Social Finance, Inc.
State: TX

Complaint narrative:
Issue with loan process and how things are handled. 
I applied for a loan XX/XX/XXXX and was preapproved.3 weeks later which is the process I signed papers XX/XX/XXXX. XX/XX/XXXX I finished signing documents. XX/XX/XXXX they said funds will be in my account 7-10 days later. This did not happen. I got an email from XXXX XXXX stating that the bank statement did n't verify ( it was a joint account ). SO I gave them my other account with a small credit union XXXX. I got a letter signed from the people at the bank verifying that is was my account. 4 days later I got an email saying they could n't verify my identity and they denied me XX/XX/XXXX. 

No one gave me a chance or ask me to provide anything more. I gave drivers license, birth certificate, social security and they ran my credit. 

I called and they could n't tell me anything as to why they could n't verify because it look good on their side. Then they told me to reapply. 

I thought this as strange as most companies do n't allow you keep applying. 

I applied again anyway to see. XX/XX/2015 I applied again. 
XX/XX/XXXX. I signed the documents on XX/XX/XXXX. I got an email stating my loan was approved. I called and spoke to customer service several times and they all said keep checking my account the funds will be in there. Give it 3-4 days. 5 days later they said because I have a smaller credit union it may take sometime. I called yesterday and they said that is hould be in my account no later than XX/XX/2015. I checked the sofi today and it is saying my account is withdrawn. 

I am so confused I never withdrew the loan and I feel like it was all a game to give me the run around. When I normally am approved for something and they say funds with be in account that is usually the case. I am not sure if this is a legit company. I have been nothing but patient and this feel like this is a scamIf the money was going to my account and I had been approved and the several customer service agents state the money would be in my account how did it go to withdraw status. 

I never got anything as to why the loan was in withdraw status. They said it was something that could n't be verified. If this is the case how did I sign loan and then they said it was not able to verify things. NO one contacted me and tried to see if this could be resolved. 

Also now I have XXXX unnecessary inquiries if they knew they were not going to approve me why have someone wait almost 3 months. This is very unprofessional.The representatives were so nice but I am not sure if this is a legit company or they just have you applying for nothing or to get your information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient is calling my work number. My employer does not want them to call my work number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: WA

Complaint narrative:
I went to XXXX in XXXX, WA for the Winter Quarter of XXXX and for a few weeks XXXX Winter Quarter. I signed one Promissory Note for this first quarter in XXXX. After a few weeks in XXXX XXXX I was called into the Dean 's office and told my math skills were n't good enough for continuing the college so I did n't go any more and dropped out. I have been charged tuition and fees for quarters and years up until XXXX as if I were still going there. They even have me paying cash payments for fees and books throughout XXXX, XXXX, XXXX and now XXXX!. This would be impossible since I no longer attended after XXXX XXXX I do not know how someone opened up more student loans under my name and social security number unless it was done to defraud the system. I only signed one promissory note for the quarter of XXXX XXXX. Navient and US Department of Education say I owe them up to {$13000.00} now. I even paid on these loans but I asked Navient to not put me in Forbearance because I do not owe anything. Navient still put me in Forbearance and fraudulently show as paying some to my credit bureaus which is a total lie. I am not still paying on these so called federal loans because I do not owe any more. 
Also, XXXX XXXX took over the school in XXXX and they have been worse to deal with and lie even more. I asked them to produce all my Promissory notes that I would have had to sign for each quarter and they ca n't send me any with my signature on them because I did not take any further loans out since that one quarter in XXXX. XXXX XXXX has closed the school now. XXXX XXXX even had me withdrawn in the Fall of XXXX and then had me signed up again in XXXX. Which is a complete lie. Navient tells me XXXX XXXX is still open and I owe all this money and they are reporting on my credit bureaus that I owe {$13000.00}. Please help. They have ruined my credit. I am not in debt with any of my bills. This is such an injustice..I have no one else to help me but your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. MY SERVICER, BANK OF AMERICA, HAS INVITED ME TO APPLY FOR A DEED-IN-LIEU PROGRAM. I AM PROCESSING THAT RIGHT NOW. BANK OF AMERICA HAS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2014 AT THE SAME TIME THAT I RECEIVED THE INVITATION TO APPLY FOR THE DEED-IN-LIEU PROGRAM. BANK OF AMERICA NOW CLAIMS THAT THERE IS NOT TIME TO APPLY AND OBTAIN APPROVAL FOR THE DEED-IN-LIEU. THERE IS NOT ENOUGH TIME BECAUSE BANK OF AMERICA HAS NOT POSTPONED THE FORECLOSURE SALE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30 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:
I 've contacted Navient the last 2-3 years in regards to XXXX late payments they have for XXXX different loans on my credit report. Oin XX/XX/XXXX my husband was injured and out of work I called Navient and filed for a unemployment deferement and was qualified. I was told then that it would be retro active and not affect my credit. I noticed my credit reports with equifax and experian are stating XXXX missed payments on XXXX different loans for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. I have asked Navient several times to correct this mistake as I was in deferment but to no avail. I contacted them and asked them to send me a list of all deferments and forbearance that I had on all my loans per their document I was covered under deferment and forbearance and they will not remove. Between XXXX and Navient I have been harassed, threatened as well as my family and friends during XX/XX/XXXX-XX/XX/XXXX. I am disappointed on how I am treated by both companies I. The past.

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

Complaint narrative:
FIA Card Services ( FIA ), issued me personally a XXXX in XXXX 2013 on a business debt ( an LLC ) of {$8800.00}. The card was obtained for business purposes. The card and all statements showed that it was a business card. FIA never reported the card on my personal credit report. FIA knew that the debt was a business debt and issued me with the XXXX anyway. I called repeatedly, but FIA would not correct the XXXX. I could not afford a tax professional, so I reported it and paid for it on my 2013 federal and state tax returns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Bank of America, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are " unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. All Companies are in " Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to " BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', " PAYMENT TERMS OF TOTAL AMOUNT '', " REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF " PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', " BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''. I would only find it fair that both parties are following the terms of agreements. I would ask that your company enforces any & all fairness to the reporting of my credit report companies including XXXX, XXXX, XXXX, XXXX & all other reporting companies.

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 2017-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
Berlin-Wheeler Inc. and XXXX XXXX are attempting to collect an amount of {$430.00} of which I do not owe. Berlin-Wheeler has failed to attempt to contact me or send my a sheet breaking down all cost showing why i owe the balance of {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: NY

Complaint narrative:
I have been working to pay off my {$140000.00} in student loan debt with XXXX then turned into Navient. I have said since day 1 I would always pay my loan bills on a Friday and yet the payment would not be applied until the following Wednesday. Considering the amount of money I owed as well has having interest that was compounded daily this was a large sum of money that I was still being charged in interest but had technically already paid. Whenever I called Navient to speak to a representative about the issue they said that interest was really joy charged but I certainly could tell it was. Also, when my loans first came out some of them were grouped into " billing groups '' so on the website if I wanted to specifically pay the highest loan with the highest interest ( makes finainal sense ) I could n't because the payment would be applied however they saw fit as opposed to being billed directly to the loan I wanted it to. I actually had to call and ask them to release certain loans from billing groups in order pay those ones off faster. I never felt comfortable with the this company and I always felt as though the interest I was being charged was very unfair. They also changed the interest rates on my private loans without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Account # XXXX. Owed XXXX-made arrangement for 60 monthsXXXXXXXX a month.in XXXX 2011. They have charged 6 % interest. 
I have paid XXXX on principle, XXXX on fees and XXXX on interest. Total of XXXX. 
I made payment arrangement due to harassing calls and threat of court action in 2011. 
I have paid XXXX on principle and feel I only owe XXXX26 months. 
I f i pay for 60 months the total will be XXXX have access to all the statements. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Bank of America reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: FL

Complaint narrative:
My original principal loan is {$6300.00}. The last statement I received showed that I have made over {$3200.00} in payments, which it show {$1000.00} payed towards interest and {$1100.00} towards the principal. In the same statement they show my current principal is {$5600.00}. I called Navient to try to understand and they said that my principal went up. This math does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has been notified that I will be late on this months mortgage payment. They cal XXXX six times in a day, never leave a message. When I answered today I was informed that my account will be notated but the collection calls will continue until payment is received.

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 2016-03-02 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: IN

Complaint narrative:
I have several XXXX student loans these loans have been in deferment or forbearance since I left school and as I look back thru the records they are showing online XXXX XXXX /Navient have been charging late fees as far back as 2007 which is ludicrous. And my loans were originally being serviced by XXXX XXXX, now it is being serviced by Navient. 
I began repaying my loans this year and all my payments have been stolen to pay for fees I do n't owe. I am considering legal action against Navient/ XXXX XXXX and the dept. of Education for not doing their due diligence in monitoring these crooks. I want my money for fees credited to my loans and no more XXXX from Navient. what can you do to help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off a loan on a double wide mobile home 30 years ago. The Bank of America never sent me a release at that time and now I am trying to get an original of the lien release for each side of this mobile home. The bank states that the originals were sent to the County of XXXX XXXX, who has nothing to do with mobile homes and they said they would have sent the paperwork back to the bank. I have tried since XX/XX/XXXX to get this resolved, phone calls, personal visits to the bank, etc. The only thing they have sent is a faxed copy which the Department of Housing will NOT accept to remove the legal owner as BofA. Your help in getting this resolved would be extremely appreciated as I have hit a dead end and have no where else to turn.

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 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 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: CA

Complaint narrative:
Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.

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