vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC
State: ME

Complaint narrative:
Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: IL

Complaint narrative:
Navient has charged me with bogus interest charges on XXXX subsidized Stafford loans that are currently in economic hardship deferment. I have been in deferment for two years and have always reapplied diligently for renewal at each interval where I needed to submit proof of hardship. My last period of deferment ended in XXXX XXXX, but the letter Navient sent me to continue deferment mentioned the upcoming date as XXXX XXXX, XXXX. I received no information about the time period between the end of the previous deferment period and XXXX XXXX, XXXX. I did receive a letter previous to that that gave the impression I was to begin income based repayment on XXXX XXXX, XXXX ( with no mention that if I was eligible, I could continue being in deferment ). I sent in my re-application materials and proof for the XXXX XXXX date. I then noticed that my principal balance had gone up and wondered why. I called Navient and they were unable to inform me what this charge was for or when it was from. They mentioned vaguely that it was from previous periods in repayment. They would not remove the {$70.00} charge. I had no letter or conversation with Navient about the time between the end of my previous deferment period and the reapplied for deferment. I did not agree to be in repayment, I had no idea they had put me in repayment. Indeed, if they had communicated with me, I would have gladly applied sooner and seamlessly continued my deferment to avoid the two month lag because I readily had my proof of hardship available. This is standard behavior for Navient! I have had many instances where they " lost '' applications for income based repayment and deferments and I had to pay larger bills and sometimes fines to keep myself out of default. This has been a regular occurrence. I believe this is willful on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 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: NJ

Complaint narrative:
Navient constantly calls harrassing over payments and wo n't release my co-signer on the private loans while I am in school, what can I do? I want to refinance the loans with another bank for a lower interest and am told I ca n't while in school, but this is a private loan, not a federally backed loan, why can I refinance and if I can, where I can find banks that do those types of loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America promise me to modify the loan and ask me for several paperwork over the course of two years but in the end are foreclosing my home on XXXX XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: LA

Complaint narrative:
The history of my loan going from here to there without my knowledge with numerous interest and added fees. Navient adding on Extensive extra charges Overcharging me and adding fees without any cause or prior notification to me. I also applied over a year ago for a program to help with some of these fees and expenses and never received anything back from Navient in regards to it yet I am still charged ridiculous amounts in interest rates and fees.

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

Complaint narrative:
On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Bank of America credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Bank of American showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Recon Trust sent documents that raised more questions what is the actual foreclosure date XXXX XXXX or XXXX XXXX Why was there XXXX Trustee Deeds Upon Sale Recorded The purchaser in XXXX XXXX received a Quit Claim Deed - signed by Notary XXXX XXXX XXXX - document unable to be verified by county recorders notary division - XXXX XXXX XXXX - Certified No Record Found XXXX XXXX XXXX is the same person whom posted Certificate of Posting XXXX ( received by XXXX XXXX in XXXX XXXX my first time seeing notice ) XXXX XXXX XXXX is also the Quit Claim Deed notary to Investor in XXXX XXXX - Certified No Record found appears to be fraud and Void

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: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
In XXXX XXXX, I requested a modification because my debt load was too high and I knew I would be unable to make my payment shortly ; especially with it being a 2 year ARM with the XXXX year ending. My lender told me to allow a car to be repossessed and they could possibly assist with lowering the payment $ XXXXmonth. But when the decision was final, they declined to do anything to assist. Months later, I was laid off. They approved a 4 month forbearance and stated that I would still be due for the XXXX payments once the forbearance ended on XXXX/XXXX/XXXX. In XXXX XXXX, I received a call from SECU confirming that I would be making XX/XX/XXXX in XXXX. I told the rep XXXX XXXX that I would, even if I had to borrow the 3 months. However, on XXXX/XXXX/XXXX, I received a letter which said that in addition to the 3 months, I also need to come up with the 4 months they agreed to forbear immediately.

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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient We where on the repayment income base and they failed to inform us that it was time to re apply and in doing so my husband credit was messed up and it took us forever to get help getting back on a repayment program. They even harrased us and called us alot and offered no solution just threats. I never reported all this because I thought they would just get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is related to a previous complaint but the proof is now present that Bank of America does not even read or proper act on issues/complaints. I received a notice they had not received my payment but I checked my bank account and they most certainly did receive the payment. I logged into my BOA account and noticed a higher amount due which is the proof. Probably a month ago I provided them my insurance information which means they needed to cancel the policy they put on the house and make the appropriate changes for amounts due ... Obviously instead of doing this, they simply cut and pasted a response and did nothing else. In the recent email from them they threaten reporting me to credit agencies and based 100 % of their failure and thus waste my time which means nothing to them ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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: OR

Complaint narrative:
At finally, I required to file extra-charging complaints against Bank of America that They still refused send my paid rent check with sad icons forward to Speaker XXXX XXXX and U.S. Senators and they refused helped with me into credit card declined because of overdraft and bad credit records as XXXX official told me that I applied for XXXX Bank for a debit/checking account application had been declined in the past years ago because of Bank of America had my bad record included overdraft and others. In addition, I did not get a refund check {$310.00} since XXXX XXXX, XXXX i checked mail daily, it was nothing to do, so frustrated with Bank of America did not send me a refund check to me without alert messaging to my smartphone, it helps me a notification alert. They declined my credit card with XXXX that they discriminated me that had not resolved problem. I do not want call Bank of America without person will take care of me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
They sent me a letter saying i owe a debt for a cell phone. i sent them a letter telling them to verify debt with signature, they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Markoff Law LLC
State: IL

Complaint narrative:
Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry 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 2015-11-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
Navient would not allow me to make a payment toward my principle balance. I had to talk to XXXX levels of supervisors before someone would " allow me to make an exception '' and make a payment toward the current interest and whatever was left over would be made toward the principle. My regularly scheduled payment was not due for another two weeks. I am very unhappy that they would n't allow a payment directly toward the principle ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX BANK OF AMERICA XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: CA

Complaint narrative:
The problem began in XXXX with XXXX XXXX. I left school and I was off traveling and the around the US and the world my loans became due. After 20 months of being gone and moving around, I finally forwarded my mail to my new address in California, where I currently reside. I really had n't used my credit for much at that point other than credit cards and those limits were low {$400.00} to {$700.00} dollars. I had some money troubles and went to get a loan and they said my credit was horrible. During this time I contacted XXXX to get on a payment plan and I said I would be able to pay XXXX to XXXX dollars a month and was told the company could n't do that. So they told me about deferment and I elected to go with that. Now my loans are with Navient and I am on my last deferment and in XXXX it is up. I have contact them a few times and I get the same answer. I would love to be paying on them but I just do not make enough to handle those payments. I currently have really low rates and does n't makes sense to me to restructure my loans at a different rate. If they would work with me I could start to pay more because my credit would get better and now expand my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: GA

Complaint narrative:
I was approved for a XXXX dollar loan and denied the XXXX dollar loan. I did accept a lower amount. The loan in the amount of {$12000.00} was added to my loan account and is included in loans that I am paying back. When I contacted the loan company ( Navient or maybe XXXX XXXX at that time ) about the issue they said it was the schools mistake and has to be resolved there. When I contacted my school, my school said to contact the loan company. The issue was never resolved by either and I am paying back {$12000.00} dollars that I do n't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Bank of America. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. " Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the " Terms and Conditions, '' at the bottom of the page, and then scrolling down through the " Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Bank of America, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Bank of America controlled the content. The Bank of America representatives told me that someone would be in touch with me, but I have not been contacted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I asked XXXX XXXX XXXX XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about Bank of America but are not Bank of America themselves.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: NJ

Complaint narrative:
Navient has been servicing both my XXXX and XXXX student loans, but they keep changing payment methods descriptions, such as XXXX or zip code. My payments are setup to take place monthly via my bank account, so the payments go out ( and can be accounted for ) but the payments never land in the account where they should be paid. XXXX account will get over payment and another account will get no payment. Then they harass me about late payments, of which I resolve and explain their error and fix it. Then it just happens again. This has been detrimental to my credit.

Company response to consumer: Closed with explanation