vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 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: CA

Complaint narrative:
XXXX ( now Navient ) did not do what I asked them to do, and misled me. Around 2010 I became aware of the Student Loan Forgiveness Program and called XXXX to enroll because I work in the non-profit sector. XXXX had me move my loans to the DOE and said I was enrolled. But they did n't tell me that I was not in the correct repayment program so my payments since then have not actually counted. When I found out about this last year I called them and they said they would review their notes and get back to me - but they have not contacted me since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Saturday, XXXX XXXX, 2015 I deposited a money order in the amount of fifty-eight ( {$58.00} ) dollars at XXXX. As of Tuesday, XXXX XXXX, 2015 my check has not cleared. Even though it was a national holiday, banks do not close and continue to operate. Why are they holding my meager funds? 
My other concern is that the Bank of America automatically transfers XXXX ( {$25.00} ) from my checking account to my savings account on the XXXX of each month. I had to agree to this transaction to benefit from certain services. The truth is Bank of America wants to use depositor 's money to comply with " safe funds '' regulations established by the federal government. 
My last concern is that my deposit slip from Saturday ( XXXX XXXX, 2015 ) has an erroneous date of " XXXX XXXX, 2015. " How is it that the corporate name ( Bank of America ) is guilty of malfeasance and not the names of individuals at the helm of the bank that are responsible for wrong doing and not labeled as felons?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I am currently able to get an income driven repayment plan and have applied several times. My application has been denied because it needed more paperwork and after being sent in, they still have not approved me for the income driven repayment. I was bullied into a forbearance, although i could have easily faxed in my paperwork. This has happened several times and when i called them out on it their answer was well thats just how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
Bank Of America bought my mortgage, and added enormous fees, interest to my account. They also did not allow me to reinstate my loan so that I would be able lower the payment so that i could stay in my home

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 2016-02-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My roommate has a couple of credit cards. At no point The Credit Bureaus have been provided with my social security number. I am listed as an authorized user on the crads. However, I NEVER gave them my social security number. They are providing information based on just my name. According to the FTC. The Credit Bureaus must have the the persons social security in order to report the information. I received a leller from XXXX of the credit bureaus trying to verify my personal information. I am not going to provide them with my personal information in order for them to clean up the illegal reporting that they are doing. I demand that they take the reporting off my credit report. It is affecting my income to credit ratio and negatively affect my FICO score. According to the FTC they must have full authorization from me to report and they do not have it. I did not provide Bank Of America my social security. therefore. The amount MUST be removed from my credit report. This will be the third issue I filed. The first XXXX was XXXX, The other XXXX was XXXX & XXXX Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I paid my payments monthly for years, my account did not seem to be going down, I asked for a monthly history, I was told they could not give me a monthly history past back 1 year. 

Eventually, I paid off that set of loans for my XXXX. I am now paying on my XXXX XXXX it would be nice to receive a paper statement, illustrating my balance. When my loan was transferred I asked for a copy of my payments once again they said they did not have the back payments information, XXXX only knows if they are applying my payments correctly. 

Also XXXX charged additional fees towards my school loans, after I had finished my XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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: TX

Complaint narrative:
XXXX XXXX XXXX of XXXX, XXXX, Tx ... XXXX XXXX aka Navient..the most popular student loan company ... they are HORRIBLE. They take your payment and apply it to whatever they want, not to the loan YOU want it to be applied to. Your loan may be for {$2000.00}, but in year, will be over {$3000.00} because they do not apply the payments correctly. Your {$200.00} payment is going on XXXX different loans but you think it 's going towards that {$2000.00} loan. This is how interest grows and so does the amount of your loan. The people you call and talk to on the phone ... worthless.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: MS

Complaint narrative:
My Student loan payments Were rejected after illegal practices were brought up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My mortgage for refinancing of my home was conducted without involving an Attorney. If a real estate attorney had been used the bank would have discovered that there was an existing mortgage on the same property. As a result of not obtaining an attorney the loan was not paid off. The first mortgage holder is in the process of filing a fore closure. I have attempted to do everything possible to prevent this from happening.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: ME

Complaint narrative:
Navient has randomly placed my account into a forbearance without my permission or via request by me. They have failed to notify me that actions have been taken on my account so that I am notified and aware of any changes to my account and it 's status. Navient has also failed to disclose timeline dates relating to when payment offers are made to when they must be accepted by.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.

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 2017-02-21 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: NY

Complaint narrative:
I submitted a previous claim with this company due to the inability to assist me in lowring my payments. since my previous claim was closed I would like to start a new forrnefor misinformation given about my extended repayment payment. I was advised it would be XXXX @ 284 months 1 payment at XXXX 1 payment at XXXX XXXX payment at XXXX and my last payment would be XXXX for a total of 300 payments. I looked at my statement last week and its now upto XXXX dollars a month which I can not afford. can you please look into this thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CL Holdings LLC
State: GA

Complaint narrative:
Thank you for taking the time to read this issue. On my credit reports ( XXXX XXXX XXXX XXXX has Charged Off/Transfer my account to a collection company XXXX XXXX XXXX. I filed Bankruptcy in XXXX XXXX. In XX/XX/XXXX my loans were in Forbearance, due to Unemployment. My other XXXX loans were all in Forbearance during this time. I am not sure how XXXX XXXX could charge off and put my loan in a collection agency while loans were in Forbearance. I have called XXXX and was directed to contact XXXX ; I contacted XXXX and was then directed to contact Georgia XXXX. Any assistance that CFB can provide will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Home Equity Line of Creidt ( " HELOC '' ) with Bank of America in the original amount of {$100000.00}. The home was foreclosed on back in XXXX. Bank of America ( " B of A '' ) reported that it charged off the debt to the credit bureaus. In XXXX XXXX B of A entered into the largest settlement in XXXX history agreeing to pay {$16.00} XXXX. As part of that settlement, over {$7.00} Billion went to debt forgiveness which was supposed to benefit consumers. For each dollar of debt forgiveness, B of A was actually credited MORE than the dollar forgiven towards the settlement. Rather than crediting collectible debt, B of A did the shrewd thing and discharged debt which, like mine, was completely non-collectible. In my case, for example, the debt was over XXXX years since date of last payment and B of A could not sue over the debt and the lien against the home had been discharged in the foreclosure sale. So B of A essentially " gave me '' the balance of the {$100000.00} loan, as partial penance for its wrongdoing, but the only " benefit '' to me is that I am now XXXX 'd on this debt and have to declare that money on my taxes resulting in a HUGE and unpayable tax debt. B of A, on the other hand, gets credited real money against its fine. So be it. Perhaps I will write to the independent settlement monitor Professor XXXX XXXX XXXX to complain about this practice. 
The issue of relevance to the CFPB is that B of A has refused, on multiple occasions now, to correct the notations in XXXX that this HELOC is still being erroneously reported as a " charge off ''. I have disputed this with the bureaus and each XXXX comes back stating that B of A is saying that the charge off is correct. It is not correct. Like in a bankruptcy case where a debt can no longer be reported as a charge off when the debt is extinguished, the bank has not " charged off '' this amount. It has " paid '' the debt ( leaving itself with a monetary credit towards settlement in excess of the amount of the uncollectable 'paid ' debt and me with a tax burden XXXX of dollars ). The only conceivable thing I could receive out of this settlement intended to consumers like myself harmed by B of A 's practices was to have the loan report correctly on my report. And they repeatedly refuse to do even that. I have all documentation ... the letters to B of A requesting removal, letters to the bureaus, and the bureaus ' 'verification ' of the 'charge off ' status. This is beyond adding insult to injury. It is further unlawful financial misconduct by B of A, under the auspices of a settlement with the XXXX consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Since 2010, I have been completely unable to complete a file for income based repayment. They would either 'lose ' my application, which at first was only able to be submitted via mail, and force me to resubmit, I 've done this plenty of times a year since 2010 and checked up on it but every time they forced me to accept deferment so I would n't pay but interest would still incur. They refused to acknowledge that I 've applied for IBR at any point in the last -7 years- and kept forcing me to defer. Even when I was able to put the application through online, there has been -no- action on it besides " Submitted '' even after sending in my IRS return as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closes an XXXX years old checking account that has impeccable records, based on " business decision '' without giving any specifics. The closure leads to closures of XXXX credit cards issued by Bank of America. Earned rewards are confiscated, pending rewards are forfeited. XXXX credit cards are in good standing through all their histories. 
Please see attached write up of the complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
In XXXX of this year I tried to close a BofA checking account I had while in Texas. Before I could transfer all of some auto payments to new bank the BofA checking account went negative. I tried to transfer money from new bank to old to cover shortfall and close the account. The new bank had not released funds yet and the transfer XXXX {$100.00} XXXX was reversed. I have been trying to transfer money into the account to close it. But when logging online they say the account is locked. ( see attachment ). I have talked, in chat and phone, endlessly with support people who say that it is not locked. ( see attached. ) I have been going over this with this bank for XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act.

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 2017-03-28 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:
Have tried to set up payment arrangements within my budget with Navient and they are not willing to work with me and do NOT have any GOOD options that there clients have to choose from unless you do n't have a job, a teacher and or government worker and I am neither.By me not being able to make there payments due to my Budget my credit score has fallen XXXX points.Have tried working with them and giving them all my Bill/Budget information and they still will not work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the bank of America has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed

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 2016-11-04 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: MO

Complaint narrative:
I called Navient on XXXX XXXX, 2016 and XXXX XXXX, 2016 ( 3 business days ) prior to a pre-authorized transfer ( XXXX/XXXX/16 ). I wanted to change the payment date and if not stop payment. I was told be a Navient supervisor that I need to stop payment 10 days prior. Regulation E, section 1005.10 under stop payment states that a customer has a right to stop payment 3 business days prior. The regulation does not require me to contact my bank and pay stop payment fees. The regulation allows me to be able to contact the financial institution submitting the transaction to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I would like to have my loan dismissed. My previous school XXXX I attended before returning to school for a XXXX degree is no longer open and I should not have to continue making payments. These payments were consolidated into XXXX loan along with my schooling for XXXX. I believe this loan should be dismissed all together or forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: NM

Complaint narrative:
I am on the Pay As You Earn plan. It caps my payment at 10 % of discretionary income. Today, Navient informed me I now owe over {$300.00} per month. This would mean I have discretionary income of over {$3000.00} per month which is absolutely not true. They are not properly processing me through the plan and this should be investigated please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My husband, father and I are being harassed by XXXX from Pioneer Credit Recovery. The phone number is XXXX. 

The person is trying to find someone else -- someone who does n't and never has lived with us. The continually call and leave messages on our home number and cell phones.

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