vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: KS

Complaint narrative:
I purchased XXXX XXXX phones for my XXXX sons to use. Their dad had died and I needed to be able to communicate. A couple months the bills were fine. Then I received a high bill. I called XXXX and the rep signed me up with protection plans on both numbers so there could not be data overages again. The rep set it up for me over the phone as I do not own a computer to do it on my own. The next month I got a bill for {$2000.00}. I called and I was told protection was not on both phones. I told them I was being charged for it on both. In the end I spoke to reps for over 6hrs. I was told it was a glitch and they 'd fix it. They never did. XXXX told me to contact u.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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:
When I first took out my loan in 2010 it was originally with XXXX, who later became Navient. The interest on the loan was very high and I was steered into making forbearance payments, which did not help because the interest was capitalized over time. After only being to make minimum ( interest only ) payments at first, I quickly realized that it would take many, many years to ever pay it off. 

My complaint is about the forbearance, and the extremely high interest rate and capitalization of the interest. ( There was one year when I paid over {$6000.00} in interest alone. ) Recently I have paid off both my loans with Navient but it did not come without a cost or major sacrifice, and that is what my complaint is about. Please let me know if there is a class action suit against Navient as I believe I would very much participate and have the records to show their wrong doing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: MD

Complaint narrative:
My loan went into default, I received a letter from XXXX XXXX XXXX in XX/XX/XXXX I believe. I was n't sure why they had my loan, so I called and they explained they had my loan. I then asked if they would send out another letter. I received the letter XX/XX/XXXX. 
I then called to make arrangements. The women on the phone hung up on me when stated I needed to go to XXXX and get a card so that she can take the money from ( because my bank accounts are being garnished ) and I will call her back. I felt this was very rude and was n't sure if this was a legitimate company. In XXXX I sent Navient through fax my financial information and a letter stating I wanted to make arrangements. I heard no word. I then received a letter from Pioneer. I called them and mention I do n't know what is going on because I have letters from XXXX different companies. I called pioneer again today at first I did n't want to submit the information they were asking but I realized I called them and not them call me asking for disclosure. I then spoke with XXXX XXXX who transferred me to XXXX XXXX. When we got to the part about my phone number I stated I was not taking my phone number off the do not call list because I will sue if the call my phone to much. I also stated they could contact me through email or mail. She stated she could not make arrangements with me if I did not release my phone number. I am writing to you because I believe it is my right to have a payment arrangement without enduring the harassing phone calls. they are blocking me from paying my bill. Please assist me if you are able. 

Thank You XXXX XXXX

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 2015-10-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I just received my credit report. There are XXXX derogatory entriesXXXX from Bank of America. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with BOA. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from my report.

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 2015-06-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
The process of repeated calls during the day has begun again. After the last complaint Navient has agreed to significantly reduce the number of collection calls its agents place. As challenging as it is being unemployed for over 6 months, I have made payments. I am now about 20 days behind, again, and so far this week received XXXX calls, XXXX of these were today, the XXXX of XXXX and within XXXX hours of each. It appears the practices if harassment are part of Navient 's business doctrine. Harassment is perceived by the recipient. The principals are set forth in workplace XXXX and I see no difference. This is the XXXX time I have filed this complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
When I originally received a loan modification about 5 years ago they told me it was a 30 year fixed step loan that would eventually cap off at 5 %. They are now telling me it is an interest only loan and that it will amoratize in 2019 and the payment will increase by about {$500.00}. The documentation attached clearly states that the loan type is a fixed rate and it also states that the payment amount is principal AND interest, not interest only. 
My modification was not thru HAMP but was one of GMAC 's in house modification products. The loan has since been acquired by Ocwen and I have tried to modify several times, as I want a fixed rate loan that is not going to amoratize. Ocwen has turned me down because I either make too much ( not taking into consideration my amount of debt ) or that I make too little due to my debt to income.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Bank of America withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Bank of America were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Bank of America of this and was told " We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Bank of America to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I 've been involved with several complaints against Bank of America and in each attempted response, while they address little to nothing, they have literally now sent me XXXX ( very literally ) XXXX of pages of documents. I wish people could opt out of receiving paper documents especially after receiving them multiple times. So many pages have now accumulated that now simply have to throw all of this in the trash as it 's impossible to shred all of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
In paying my mortgage, when I make payments ahead say on the first of the month, and then another payment on the XXXX of the month, and another on the XXXX of that same month- they charge the full amount of interest each time even though it is 2 or three months ahead of the scheduled payment. I also found out that this is almost an interest only loan, which I definitely did not want. They also say there is no prepayment penalty, but I am only allowed to make payments 3 months ahead?? When I tried to refinance with bank of America a couple of years ago, the loan officer I spoke with said he was very sorry and could not help me. He did not understand why anyone would put me in that type of loan??? 
They also were checking my credit if not every day, every other, which adversely affected my credit score, and made it so I could not refinance. I started out with an ARM with Bank of America and in 2010, I was ill with XXXX XXXX, and missed a lot of work and when the first increase hit, my payment jumped up so high, I was having difficulty making the payments. I called them after a couple of months and asked what I could do, they put me in touch with the home retention team which said they could help. Then when I tried to make my monthly payment, I called in to customer service or tried to log in, it automatically transferred me to the home retention team. So no one there answered the phone, I had to leave a message and someone would call back. Well, I live in Alaska and work M-F, I am not allowed to make or take phone calls at work. 
So they would call and leave me a message and the payment would not be made. This went on for months. They were also adding interest back onto my mortgage every month making my mortgage much larger than when I started, and also reporting me to the credit bureau. By now my credit is very poor from them checking my credit all the time, and from me not being able to make payments.So when the home retention team finally finished, I was in a very bad situation. Then in the midst of all that, my husband passed away. I am caught up now, even ahead, but my interest rate is now at 7.6 % and I need to refinance, but am having difficulty. I hope you can help me out.

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 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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 graduated from XXXX XXXX University in 2012, but prior to my enrollment there I attended for for profit vocational school, XXXX XXXX ( XXXX, Az ). During this time I accrued private student loan debt which was held in forbearance while I attend school. Upon graduation I consolidated my federal loans into XXXX, and have regularly made payments on an income based plan. When I graduated my cosigner was in bankruptcy thus resulting in me not having to pay on the private loan. I was never made aware that private loans could not be consolidated with my federal loans, and assumed I was managing my student loan debt as responsibly as I was able. This however changed when my cosigners bankruptcy ended and I was sent a bill for a payment I could not afford. 

Over the past XXXX months myself and my cosigner, my mother have made attempts to contact Navient to discuss repayment options, and have both been told that the only option I have is an " interest only '' repayment. This only lowered the payment by less than XXXX dollars and was still not affordable. I recently sent them a letter asking if other options had become available and was sent a letter back stating they will not discuss it in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
TILA Rescission letter was mailed on XXXX XXXX, 2010. The effect of TILA Rescission is, as a matter of law and by operation of law, to cancel the loan contract, and to render the note and mortgage void. The matter is well settled, to wit : the rescission exists, it is effective as a matter of law. The rescission is effective upon mailing. The pretender lender, Bank of America N. A., do not dispute that rescission has occurred but seek to invoke issues in a case that is not and can not be before any Court, to wit : whether the rescission is effective. And they seek to do so through motions in which they deftly avoid the requirement of pleading and proving facts in a proper lawsuit to vacate the rescission, thus depriving the homeowner of their right to raise appropriate defenses to the non-existent lawsuit seeking to foreclose. Pretender lender want the courts to enter an order that would impliedly vacate the rescission. The pretender lender seek to have the court assume facts about the consummation of the alleged loan including the date or dates when consummation occurred and the source of funding for the alleged loan. They even want the court to assume that disclosures were adequate. They seek to have courts adopt the premise that the rescission is not effective upon mailing if there are potentially defects in the reasoning or actions of the borrower. ( XXXX v Countrywide ). SCOTUS clearly stated that the rescission is complete upon mailing, regardless of whether it is disputed or not. This eliminate the right of Bank of America N. A., et al to raise a challenge. All three branches of government are in unanimous agreement : TILA Rescission is effective upon mailing by operation of law. Nothing further is required from the borrower.

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 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
As of XXXX/XXXX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX , CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all XXXX credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

XXXX/XXXX/XXXX, Bank of America, called me to extend / delay response for XXXX more days. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchase my home in XXXX through XXXX and financed by Bank of America. At the time of purchase my home was valued {$180000.00} and the home was purchased for {$150000.00} I was then offered a equity line of credit through Bank of America for {$35000.00} for Home Improvement. Shortly after Home Improvement the home was reappraised by the bank and was value of {$210000.00} 6 months after home improvements the bank send me a letter requesting that I pay back the equity line of {$35000.00} infull payment, because my home is no longer of value and it 's only worth {$75000.00} I immediately contacted the bank and started Communications trying to restructure my mortgage being in shock not knowing what was happening to the real estate market. 

The bank in communication told me that they can not do anything to help me or restructure my mortgage payments because I have not missed a payment and they do n't care what my home is worth they just want their money back. I was then informed by a Bank of America customer service representative that the only way they can help me is for me to miss at least three payments so I stopped paying my mortgage in XXXX and by XXXX second XXXX the bank started filing for foreclosure. 

Shortly after that the Department of Justice ordered that the equity line of credit is to be charged off and I did not have to pay it back. Bank of America mediately report the & gt ; charged off as derogatory & lt ; to the credit bureau and sold the main mortgage to XXXX lending. Bank of America also reported a & gt ; foreclosure initiation & lt ; to the credit bureau. 

I sold the above mentioned home in XXXX on a short sale and XXXX receive the {$35000.00} of what the home was valued after depreciation at the time and was sold for. XXXX then reported the sale of the home and final payment & gt ; in full pay less than {$150000.00} what is owed & lt ; on my credit, and a report of. & gt ; balance charged off & lt ; it was send to the IRS, reported as income. The IRS charged off as a loss of mortgage. 


In less than one years after purchasing my home the depreciation started and had dropped in price from {$210000.00} to {$35000.00}. 

My credit is now ruined with no fault of my own and the banks were bailed out by the government and the consumer is left holding bad debt. This is not right! Someone need to do something. 

I am now unable to attain a normal interest rate and also unable to purchase another home because of these derogatory statements on the credit report showing either foreclosure, tax lien, legal action taken, or repossession. How could our government allow this to happen.

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 2016-05-13 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: FL

Complaint narrative:
I would like an audit of all the funds that I have paid into XXXX XXXX n/k/a Navient, especially on how they calculate interest. By my simple math, I have paid {$15000.00} since XXXX/XXXX/11 on a loan that only totals {$30000.00} and I have not seen the principle balance go down not once. How can this much interest be charged and calculated so crazily. I do n't trust Navient 's math and I would like to see how they calculate my interest so that even though I have paid {$15000.00} over the past 5 years, my loan balance refuses to budge. I have a car, with higher interest rate than my student loans and I only have to pay that for 5 years. How is this legal? Where is the oversight? Who can audit this account to make sure that no funny math is being used. Over the next 15 years, at this rate, i will have paid over {$60000.00} for a loan that is only half that amount. How can my interest rate flux between 9 % and 10 % and yet the balance never goes down. Please check the numbers as something is n't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: PA

Complaint narrative:
My monthly payments were extremly high. I asked to have my loan payments lowered since I could not afford what they were asking me to pay back a month and my credit was being distroyed. They said the could get my loan to under {$100.00} a month if I filled out and submotted all the proper paperwork. I did that and my loan amount never changed. When I contacted Navient, they kept telling me about more paper work I needed to file and never got my payments lowered. My credit is poor now becuase of not being able to pay for my student loans and Navient being unhelpful and giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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 believe that I filed a complaint last year with you against Navient ( XXXX XXXX ) i was told that you could not help me at the time, however while you were investigating this they had sold my supposed debt and I being sued for this ridiculous amount they claim that I owe .All the things that I had said they were doing and more is the exact reason you have now gone to the federal courts to solve ... What can be done to help me now????

Company response to consumer: Closed with explanation