vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-13 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: CO

Complaint narrative:
I tried to transfer my school loans from Navient to XXXX in XX/XX/XXXX because I was making payments but was unable to get out of just paying interest so it felt like I was n't getting anywhere with the progress of paying off my loans. When I switched over to XXXX I was able to get out of paying off my just my interest and started seeing progress to paying off the principle as well after a couple months. I made payments to XXXX from XX/XX/XXXX - XX/XX/XXXX. Then, I went to make a payment but was told that I did not owe anything and that my loan was paid off. There was no communication to me about what was happening with my school loans. All of a sudden, I started to receive all the money I paid to XXXX for the year back in my bank account. I call both XXXX & Navient to find out an answer to what was going on with the loans but neither institution was able to provide any information. I was told by both institutions that I did not owe either company any money in XX/XX/XXXX. I reached out to Federal Student aid in XX/XX/XXXX to see if they could locate my loans or see what happened but they were not able to find anything out. So after searching for answers and coming up with none, I decided to put my money in a savings account because I knew it would come back one day. Well, that happened in XX/XX/XXXX when Navient contacted me via email about paying off my debt. However, when Navient contacted me I was starting my XXXX and was unable to devote any time or money to the situation. When I looked into the amount of my loan it had increased from {$51000.00} to {$58.00} or $ XXXX in interest. I am looking to gain an explanation to happened to my loans, why I received the payments I made back and why I was not able to stay with XXXX. Also, I do not think its fair that I was charged interest on my loans and I want any interests charges removed from the time I switched to XXXX to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America and their XXXX has caused to be recorded a Trustees Deed of XX/XX/XXXX reference document number XXXX showing Grantees as XXXX XXXX XXXX and XXXX XXXX. 

Dual Tracking is a practice of concurrently having a customer in both loss mitigation and foreclosure processes. In this instance, Bank of America had not yet completed the MHA HAMP modification process before beginning the property separation process as evidenced by the recording of the Notice of Default ( NOD ) on XX/XX/XXXX. On XX/XX/XXXX a Notice of Trustee 's Sale ( NTS ) was recorded and the debt associated with the XX/XX/XXXX Deed of Trust was sold at auction on XX/XX/XXXX for {$320000.00}. 

Bank of America has represented to me multiple times in writing I have been denied access to the Bank of America Borrower 's Home Loan Modification Status iportal since XX/XX/XXXX which is a violation of the National Mortgage Settlement ( NMS ) enforced by the XX/XX/XXXX Consent Judgement Order. 

All previously mentioned resolutions are desired and mandatory.

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 2017-01-26 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: CA

Complaint narrative:
I went to XXXX university in XXXX ca. I 've been paying my loan for almost 13-15 years and it 's taking a toll on my financial life and I did not gruaduate from XXXX university. When I decided to go back I was told after 5 years I would have to start over again and that was n't an option for me due to the loans would double now I 'm stuck paying this loan. I 've called navient and tried to at least decrease my payment they said no.

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

Complaint narrative:
I applied for a private student loan with Navient in XXXX. I have taken several breaks, some up to a year long, during my college years. I never got a bill for this loan, infrequently, I would get letters about it being in deferment while I was attending school. Those letters stopped for a few years but in XXXX XXXX I got a bill for payment due on this loan. I had consolidated all of my loans to XXXX so I was a bit confused, I immediately thought someone used my information to get a loan. I actually forgot all about it because I hadnt recieved correspondence in several years. I called them and they said it was my loan and had been in deferment for 7 years. I asked for the signature on the promissory which they did send me and I did confirm it was mine. I called back at this point to try to arrange a more affordable payment, as it was almost {$400.00} a month they wanted, and to discuss the interest of which doubled my original loan amount. I had been out of classes for 2 years at this point so I knew they did something wrong. They refused to lower my payments, I even asked for income based repayment and was told no repeatedly over the next 4 months. I had sold my condo only months before and would have used the proceeds to pay this loan off had I been aware of it. I eventually ended up hiring an attorney who let it go into default because she was n't very organized. Once we got back on track, which took several months of emails and phone calls to her, she asked about payments made, none had been made during the 7 years, however, Navient later claimed I made a {$31.00} payment at some point in the last 4 years on the account. I had no way to look this up since I do n't keep statements from the bank that long, nor did I have that account any longer. It took months for them to produce " evidence '' of this small payment, and I do n't even know what that consisted of because I fired my attorney for dropping the ball so many times. But eventually, after extreme stress in dealing with this matter during my XXXX and then having a XXXX, my fiance paid out a settlement we worked out with the collection attorney. It has never sat right with me because they kept it " in deferment '' so long that it went from {$5000.00} to nearly {$10000.00}. I was dissuaded from filing a complaint by my then attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's Home Plus calls beginning the XXXX hour ( XXXX, XXXX, XXXX ) and continue at varying times throughout the day including twice in one hour ( XXXX and XXXX ). This practice has always been theirs. 

The call from yesterday, XX/XX/2017, the gentleman I was speaking to I told representative that I needed to get off the phone because of increased traffic. However, he proceeded to need to verify my account information ( which had already been updated based on my online account profile ) and need to update phone numbers ( which have not changed ). He would not let me finish and get off the phone. It was upsetting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Hello. To start off I applied with my mortgage company, Carrington Mortgage, to pay by automatic payments. Approximately 4 months after sending that application through the mail they finally start taking it out of my checking account. The problem was that I had already paid that month 's payment and they never even sent me any notification that it was going through. I made my payment on XXXX/XXXX/2015. The automatic payment went through on XXXX/XXXX/2015. No big deal though because they can refund me my money right? WRONG! I call and they tell me I have to fax my bank statement in to them so they can send me a check. Ok no big deal except every time I tried to send it ( and I tried a lot, at a lot of different times and days ) it says its busy. I called back and they said I could email the statement to them. I call them back to see if they received it and they say that they cant accept it by email. I ask if I can mail it to them. They say nope it has to be faxed. I tell them the issues I 'm having but they do n't seem to care. I ask to talk to a supervisor or manager and they put me on hold and then hang up on me. I called last night and again today and they give me a different fax number each time, none of which have worked. They tell me there is nothing they can do until they receive that statement. I just want my money back before XXXX and it does n't look like they have any intention of refunding it to me. I do n't know what else to do. Hopefully you can help me out. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 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: NC

Complaint narrative:
I am a non-traditional college graduate and I graduated XX/XX/XXXX. I began making payments to XXXX XXXX XX/XX/XXXX and refinanced to a graduated payment plan with Navient XX/XX/XXXX. In looking at my current statement from Navient, I owe {$60.00} more in principal than I did when I started making payments 2 1/2 years ago. 
This is a FIXED RATE LOAN. Yet, Navient did n't calculate a payment structure sufficient enough to cover the interest, so they add the shortfall to my principal. Blatantly stated, they are cheating their customers and continuing to profit by adding this onto the balance. 
HOW is this legal??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2014, I received a loan modification offer from Bank of America while in litigation working with a law firm to help facilitate the process. After making several trial payments, I received a permanent loan modification offer in XXXX of 2014 which was nothing like the modification offer/details provided in XXXX. The offer in XXXX is severely damaging and provides absolutely no relief or comfort to save my home. Furthermore, it keeps me extremely buried upside down to the point it feels like a cruel joke. They did a total breach of contract. The changes below highlight the significant changes : SETTLEMENT OFFER XXXX 2014Loan Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for XXXX years. 
Amortization term XXXX. 
Principal balance {$390000.00}. 
Principal forbearance {$160000.00}. 
Principal forgiveness of {$270000.00}. 

SETTLEMENT OFFER XXXX XXXX Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for 3 years. 
Amortization term XXXX. 
Principal balance {$830000.00}. 
Principal forbearance {$230000.00}. 
Principal forgiveness of {$0.00}. 
Balloon Payment : $ XXXX have complained to my attorney 's office, but they were only confused as well and not sure what or why XXXX did something like this. I even received permanent loan mod docs for signature late from my old attorney and they just wanted me to sign without questioning the complete change in loan modification terms. I reluctantly did as my counsel scared me into thinking if I did n't, I would lose my home. I dismissed my case and my attorney in order to represent myself as I began to feel like the attorney 's office did n't really care anymore since I paid them in full.

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

Complaint narrative:
I have student loans from Navient. I called and had my student loans put into deferment while I was in school. Well I found out that since I was only taking one class they had to be put in forbearance. I called them to have it done. Well it turned out it was not done, I had emails and letters saying that I was past due on a payment and it was reported on my credit report as late. I am still in school and after calling they were finally put in forbearance. However they said they would not take it off my credit report as late because they do not do that, it will stay on there as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Called Bank of America on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Bank of America deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Bank of America by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him.

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 2015-11-19 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: AZ

Complaint narrative:
I have been on XXXX since XX/XX/XXXX. All of my private loans from Navient have gone through a XXXX discharge during that phase. XX/XX/XXXX, Navient had reduced only XXXX of XXXX loans with the exception of loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX. Loan ( 3 ) XXXX College XXXX was reduced as I am able to make that payment while I am on Social Security XXXX Income. I explained to XXXX 's Customer Advocates Office that I still can not make a reasonable payment towards the loans. I was denied by XXXX 's Customer Advocates Office since I have a co-signer on loans ( 1 ) XX/XX/XXXX College XXXX and ( 2 ) XXXX College XXXX they will not reduce my loans. Also, Navient has harassed the co-signer and has tried to have all co-signed loans in their name instead of working with me so I can afford to pay on the loans. Since being unable to make a manageable payment my total payment due is {$810.00}. My monthly payment normally is {$280.00} with a past due amount of {$520.00}. My total monthly income is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
I have a house in XXXX and was living in XXXX when my loan was sold or given to Nationstar. During that time of my loan going to Nationstar my 2 payments were sent back to my checking account and I was behind on my payment and not aware that they had my loan until then. I had to call the old mortgage company to find out who had the loan and I caught the payments up. But at that time they had sent someone to the house and they ripped the glass storm door off the frame and the door is no good and the front door has to be re-framed and a new glass door had to be bought. Then the person went to the back door and changed the lock and broke the frame where we had to re-framed because the door knob would n't even keep the door closed. 
We moved back in the house XX/XX/2015 and have made calls everyday about what they were going to do about it. They have told me that they are checking into it and will advise me the out come and it been over a month. 
I have spent over {$1500.00} to buy a new door and reframe both door and they charged me for the person to come and destroy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Bank of America billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and BOA will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide BOA XXXX name and phone number first. I call BOA again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling BOA and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and BOA did not protect customer from fraud dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Upon closing of our loan in 2007 we were told that we had a fixed rate loan and that the payments would be XXXX per month. Twenty-one days after the loan was closed and fifteen days after the money was funded and disbursed to pay of other debts we received a letter from our loan company stating that if we did not sign the papers enclosed that the loan would not be in compliance with state and federal guidelines. The papers were the ARM disclosure part of the loan and they had been post dated back to the day of closing in handwritten ink. Of course we never sent these in because you never sign anything after closing. Several months later I complained to the attorney general reguarding not being informed about the ARM rate at closing. I received a letter back from Bank of America stating that they were concerned with my complaints and that they would respond back with an answer within 2 weeks. In 2 weeks I received another letter from Bank of America stating that they were sorry about the delay in getting back to me but I should receive an answer in another 2 weeks. When I did finally receive papers from them, all it was telling me how they had no record of my complaints and no record of them turning me down for XXXX loan modifications that they told me I needed to be behind 3 payments before I qualified for it and then they try to foreclose. In the packet of letters they gave me trying to prove me wrong about the ARM disclosure there was the same paper with the ARM disclosure with my signature and my wife 's clearly forged on the document and also the same handwritten date where they had photo copied it before hand. We still have the original letter and the unsigned document in our possession. And also my wife 's name is not on the loan, She was not required to sign anything but all of the sudden her initials are all over these papers. I want to know what attorney I can get to make this right. I do know that forgery in the origination of a loan makes the loan void. We have had many financial hardships because of this and have filed bankruptcy 3 times. Our credit rating is shot so there is no way of refinancing. I have tried on my own to work out the situation with them, but knowing they purposely deceived me and the courts I believe they can not prove that they have the right to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I paid off my mortgage on XX/XX/XXXX to XXXX XXXX. The company has not released the lien on my mortgage. According to the Internet ( XXXX XXXX ), XXXX XXXX became Bank of America Mortgage in XX/XX/XXXX. I contacted Bank of America Mortgage, but they were not helpful. 
The lien on my property still needs to be released showing satisfaction of the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief