vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: OH

Complaint narrative:
I have over XXXX dollars in loans to pay back!!!! Idid not borrowed all this. But this is the total after interest which is two and half time more than i borrowred. I was told year after year given the advice to go into forbearence until my financial hardsips are overcome, ,then defer,,, then the next year defer again. I asked if i should go and consolidate all my loans into one and maybe that will bring down my interest rate into a lower interest rate..They told e it would be a bad idea to leave navient with these loans.The sad thing is that I went to school for six years got a XXXX and am still unable to get the job in my field 6 years later. As my loans plus interest keeps adding up higher and higher I am told to go into forbearence ... .now I cant get a loan to buy a home, a car, a credit card nothing becasue I owe so much!!!! I totally feel that the people I talked to year after year did not give me good advice at all. Some Of them I could not even understand them. its like We are talking about my future and my lively hood and all my loans and they did not have my best interest ... most time they would put me on hold as they could not answer my qustions!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: TX

Complaint narrative:
I received a Parent Plus Loan for my daughter starting in XX/XX/XXXX, I file for Bankruptcy in XX/XX/XXXX-XX/XX/XXXX, I was told by my attorney that my student loans would not be a part of my bankruptcy because they were federal. My loans were in deferment, In XX/XX/XXXX my loans were transferred to XXXX and XXXX. But in the process on my credit reports my loans from XXXX XXXX, XXXX for {$6800.00} and XXXX XXXX, XXXX for {$22000.00} is derogatory from Sallie Mae, the reason stated is that the " debt being paid through insurance ''. It is only on these XXXX accounts. But on my XXXX and XXXX accounts with the same amount, it is current and paid as agreed. I have been trying to correct this since XX/XX/XXXX, if I could not pay my student loans, I would always get a deferment or forbearance. All of my Parent Plus loans were consolidated XX/XX/XXXX including the XXXX listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made an application on XX/XX/XXXX for the Bank of America 's XXXX BOA XXXX XXXX XXXX XXXX XXXX XXXX ) to replace my current BOA ELOC on my residence on advice of my BOA branch XXXX. She made the recommendation because the new XXXX will provide me a similar loan at a more attractive interest rate resulting in savings. 
As part of the application I submitted our XX/XX/XXXX and XX/XX/XXXX IRS tax returns. When I asked XXXX I should provide any other documentation, such as XXXX, social security XXXX XXXX etc, I was told it was not necessary because BOA has all that information in their system. There was some other requests from different people at the processing center, but questions on our offshore income ( which is already on the XX/XX/XXXX/XX/XX/XXXX tax returns ) was resolved when I submitted XX/XX/XXXX FBAR I filed with XXXX XXXX XXXX. Please see the attached letter to BOA to get some more details on the nature of ensuing events. 
My application was rejected on the basis of " Unable to verify income '' ( please see the attached copy of this letter )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: MI

Complaint narrative:
I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of america is Lieing, they are saying that my home was refinanced in 2014, I never accepted there offer to Refinance because number XXXX, the Ex Co-Barrowers name ( XXXX XXXX ) was still on every page,2, the refi was not a FHA Hamp,3 , they did not give me any disclosure or details at all.3, the XXXX payment was already late when I got the mail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: MO

Complaint narrative:
Hello, I 'm in the process of buying a home. I had a debt that I paid to a collection agency and I need confirmation that I paid on the account to purchase my home. The collection agency is telling me I have to wait 30 days for a realease.

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

Complaint narrative:
I have asked Navient several times for an income driven repayment plan as I do not have a high income. I was told that they do n't have options for income driven and that my only option was to place my loan in forbearance. I felt pressured into forbearance and was told it was my only option for payment if I could n't afford my high payments. I was never told that I could pay portions during forbearance or that I could put certain loans into forbearance and not others. Forbearance has only made my debt worse and I had to take out a loan from a family member to cover the debt caused by forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Loan was a home I purchased in XXXX XXXX NV. Lost home in foreclosure. This loan should have No Money Past Due or an outstanding balance and no lates. Bank of America got their security back in the foreclosure. Should show zero due. and no current past due payments. Only being reported by XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did ask my lender ( Citimortgage , Inc. phone XXXX ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in XXXX when they original appraised value of the property of $ XXXX.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. 
Thank you.

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 2016-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.

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 2015-08-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX/XXXX/2015, I went to a Bank of America ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and " ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Bank of America and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Bank of America. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc.
State: MD

Complaint narrative:
I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
We just received a request for payment of our mortgage from a new lender, so our loan must have been sold. However, we just sent XXXX payments ( the additional payments will go towards principal ) to Bank of America, not knowing they sold the loan. What is our best course of action? We do n't have the cash on hand to make a payment to the new servicer, how do we get the money from BoA to the new company? Is there a way to block loans from being sold? The new servicer is called XXXX, is that a reputable company?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 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: FL

Complaint narrative:
I have a large amount of private student loans through XXXX now Navient - which i did n't submit for each year that they say i did. Now because i have a very large amount of private loans i ca n't afford to make the payments and have tried working out several payment plans with the loan administrator and have been unsuccessful. I did have an arrangement set up for interest only payments for about 3 years which was affordable but obviously not paying down any of the principal. Today, Navient automatically withdrew {$850.00} from my account with no notification. I tried to negotiate with them for an income based payment but they insist that they have no such program. I simply ca n't afford those payments. I will happily pay what I owe, however, that amount is absolutely not something I can afford. I called them promptly and they said that the only program I 'm eligible for is an EXTENDED payment plan, payments of $ XXXX - a little more workable which puts me not paying off my loans until XXXX at which time, I 'll most likely be DECEASED! I have begged them to put me on some sort of income based repayment program which they refuse to do. There are various reasons why I 'm in financial trouble. XXXX being that I was sick and out of work for 4 years with no insurance and just recently received a social security settlement for back pay for that time. I used all my deferment time during that period. I have since returned to work and ABSOLUTELY ca n't afford the options they 're giving me. If they do n't work with me, I will be forced to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Bank of America ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say " This action was taken because of the following reasons : '' That list says " This account has been inactive '' and " Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : " Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this " record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America experienced failure in their auto-pay system. However, I was charged late payments, interest, and potentially other adverse affects.= This failure occurred a month ago. My auto-debit was enrolled for over a year. Auto-payment was adjusted to minimum payment. Minimum payment would have still counted as a payment. However, no auto-debit occurred. The bank account that was linked, has plenty of funds -I can prove that. 

When I was notified that i had " missed '' a payment because their auto-payment did not deduct, I used the make payment button on the home screen. According to the person I talk to day named XXXX, this applied a payment to the wrong account. 

My credit score is in the high XXXX and my credit report has no missed payments. I have also not had a missed payment with Bank of America since I opened the account in 2010. I have relationshiips with all XXXX of the major credit card companies and I can say without a doubt that my experience with Bank of America has been the worst of late. I have been transferred mid sentence and dropped. I hope that this is only a one time event and can be resolved in the future so that BOA can retain my business.

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 2016-10-31 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I co-signed a loan with my grandson for a college loan through XXXX XXXX. The original amount was XXXX. No payment was made on the loan until XXXX XXXX. XXXX when a cashier 's check for XXXX was sent to XXXX XXXX as payment in full. It was signed for in their mailroom and was deposited on XXXX XXXX. The deposit stamp on the back said " deposit to XXXX XXXX XXXX, XXXX XXXX, Account # XXXX. A copy of that check was sent to XXXX XXXX by XXXX on XXXX XXXX, XXXX and signed for by XXXX XXXX at XXXX XXXX Mail room. When I talked to XXXX XXXX about this their answer was " that 's not our account number ''. It 's stamped XXXX XXXX XXXX so??????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: LA

Complaint narrative:
I call then XXXX XXXX in 2013, after losing my job, to get a loan forbearance or something to postpone payments until I was able to get a job and get back on my feet. I was told by the representative that I had negative income and they could not help me. I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX. I talked to now Navient last night about my current situation and they tell me I have enough disposable income to make their payments. So she told me that there was nothing they could do to help me. They would not listen to the medical bills I have accrued within the last year that I have to pay, but they are not a monthly expense, so they would not take it. I am currently two months behind on my vehicle note and one month behind on my mortgage. I am consistently behind on something every month so that I can try to catch up another. I can not ever get any help from these people. They always put it on my co-signer, who makes substantially less than I do. She used to help out when her husband worked XXXX, but now they both make just over mininum wage with their own bills to pay. My total bill keeps growing. Originally I owed {$21000.00}, now that has grown to {$32000.00}, with no end in site. I also have a recent federal consolidation loan through Navient ( $ XXXX ). And a prior student loan that I am paying to a collection agency for a company that went bankrupt called XXXX XXXX XXXX ( $ XXXX ).

Company response to consumer: Closed with explanation