vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-27 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: AK

Complaint narrative:
Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. 

Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). 
After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I 'm applying for HELOC. The bank gave me three reasons why I was not approved. I satisfied all the reasons and they are still giving me the run around. The last time I applied for a loan it took them 5-6 months to approve and only after I reached out to this office.

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 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
HOME OWNER 'S LOAN I was unaware the Bank of America had place a lean on my property when I borrowed against my loan in XXXX of XXXX. In XXXX XXXX " Variable rate snapshot '' identified : " New outstanding variable balance of {$25.00} due on XXXX XXXX XXXX. 
I had to call them to find out the reason. It was a lean release charge for a loan in XXXX XXXX! 
It was never explained to me that a loan was required. It is probably somewhere in the fine print of the loan documents. 
The bank did not notify me the lean was placed nor did they notify me it was released. 
And I had my business and personal accounts with them. Both had balances well over the loan amount. I have a " Platinum honors '' account status with the bank. 
Not only is this poor business practice, it is SENIOR ABUSE. I was XXXX in XXXX and now am XXXX. How am I suppose to know this? This is the only loan I 've ever had other than a home mortgage which is long ago paid off. 
I called the bank twice and the refused to waive the charge. 
Will you please help me? 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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am one of the people that was encourage to go into forbearance, but not told there was a limit to forbearance. My loan has ballooned to over XXXX, and I am being charged interest on the interest. And now, being told I have used up deferment and forbearance. I can not even begin to make this payment at this point, but only have hardship option which I do not meet. I am now being harassed with calls daily, and not helped by them at all. I have tried to consolidate but can not get anyone on the phone for this- I was given a phone and told to register but there it stopped. I do not know what else I can possibly do. Help! Please! I am being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This information is regarding complaint XXXX and the response from Bank of America claiming that they did not committ prejury and Fraud. I have attached XXXX pages that show that itself is a lie.

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 2015-08-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against ( Transunion ) Credit Bureau

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 — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have already submitted a complaint about XXXX/Navient. I remembered another piece of information about how they treated me unethically. Since they would n't offer me any type of solution to reduce my payment ( I was behind on payments because I could n't afford them and they would n't help me ), they did offer me to take my past due balance of over {$2000.00} ( That 's just from a couple of months of missing payments ) and they would reduce it to {$0.00} so I would n't be defaulting, but they were going to capitalize it on the principle balance. I also discovered looking on my Navient account history that when I had only been out of XXXX school for 6 months, they already capitalized over {$9000.00} on to my principle! XX/XX/2008 Capitalized Interest {$9900.00} I graduated XX/XX/2008

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I wired money with bank of America. on XXXX XXXX, 2016. I provided the information they requested. I called them today to inquire about the status and they said it did not go through because there was an " ABIN '' that was required but BAO did not ask me for when we sent the wire. 
BOA returned a portion of the money to my account but kept {$40.00}. I called BOA to inquire but they were rude and the person that handled my call placed me on hold for 45 minutes and never returned to the call. I spoke with a supervisor ( XXXX ) who was extremely rude and unprofessional. She talked down to me and insulted me. 

She refused to help whatsoever and said that I should call the bank on the receiving end to find out what the issue was. I paid BOA to do the money wire and provided them with the information they requested. They failed to wire money and now they are failing to return all my money and I lost {$40.00} for their failure to do their job. 

They should know what information is required for the wire.

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 2015-08-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Applied for a home refinance with my current lender BofA XXXX 2015 and due to gaps in their process my credit report expired and at some point reran my credit and are now refusing to proceed with the loan, since XXXX of our credit scores is XXXX and their minimum threshold is XXXX. The delay in getting this done in an appropriate amount of time was due to documented and admitted gaps in BofA 's processes. I have emails with approval from their senior management stating loan is approved. I have a good faith statement that they sent to after they had rerun credit and knew it was below XXXX because they said would proceed with the loan due to their delays in the process. Now 6 months later I get a call stating that some committee is not approving my loan with since not at XXXX credit score. This leaves me and my family in a very precarious financial situation since the intent of the refinance was to combine a XXXX and a XXXX and credit card debts to make our monthly payment more affordable and which they had agreed to do and kept us engaged with requiring information again and again and promising that it would get done, which is all we want. See attached documents and approvals.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As you know, I have reported my identity was compromised. 

Police report and Identity Theft victim 's Affidavit were filed and mailed to the banking institutions, Consumer Financial Protection Bureau and OCC. 

I ask that the charges be taken out of my billing. 

Please respond within the next 30 days that the charges are removed as of XXXX XXXX, 2017.

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 2017-01-20 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: MN

Complaint narrative:
Navient pushed me to drop my income based repayment in favor of their forbarence plan as ND mt payments tripled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IN

Complaint narrative:
Received a call from CBE Group, requested contact number, and company they are representing was treated very rudely and denied a number, or the name of the company they are representing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: OK

Complaint narrative:
Navient will not lower my student loan payment and I just can not afford the amount. They make comments on the loan and it has dropped my credit score. I have not missed a payment, or been over 30 days late, but paying the amount they want each month means almost not being able to eat and can never be payed on the exact date because I have to break it up into different payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Bank of America and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Bank of America initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mortgaged harassed me say and reporting me late on my home loan I was XXXX prepaying most the time I got one month behind and they stopped taking my payments they sent them back to me for XXXX and XXXX. They for closed for the 3 months of XXXX XXXX and XXXX. They would not take my payments its an FHA /va loan I over paid the interest I have all receipts from XX/XX/XXXX'till now. The bank bankbank of america terrorized me to where I was XXXX. I am permanently XXXX. I have XXXX. I have XXXX problems. They called me everyday for months. They took a total over a 2 year span of XXXX full payment out of my escrow and could not explain to me why. There are about XXXX different discrepancies with the entire loan starting with a forged signature and the lawyer knew it. 
You ca n't sign a dead mans signature especially when you as the dead mans brother do n't even have the owners rights to sell this hour. The lawyer/ city judge allowed this individual to sign a forged name on our original warrenty deed which has been in my possession since XX/XX/XXXX a month after we signed on the house come to find out the man who signed on this house had a loan still out on this house well it did n't get paid off until after the house contract deadline.I purchased a title insurance policy for my title company and XXXX for myself. I do n't believe it was even a binding loan. There is more to it like the down payment and closing cost exceeded my contract allowance by XXXX. The bank went above and beyond in not showing effort in resolving any of my disputes and if did was not accurate. Y They did not fix any of their mess ups. Please help me I ca n't afford a lawyer and legal aid is a slow process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: CA

Complaint narrative:
Navient failed to provide alternative methods to paying student loan especially based on earned income. I asked for forbearance and was told I had to pay {$150.00} to keep my payment options current. I also informed Navient that I had recently graduated in XXXX 2016 and if they offered a grace period or any alternative payment options. Navient denied having any other payment options other than paying the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ND

Complaint narrative:
My wife received a statement last week from Bank of America for a Core Checking account that she never opened. It was addressed to her parents which was her old address, so luckily it got fwd 'd onto our new address. It was also in her maiden name, which is another sign of fraud. We called Bank of America 's fraud department, waited for a rep for 80 minutes, explained the situation, he confirmed our identity, looked up the new account, then we asked how this ever got opened since we never did this, and also asked if this was an account setup by a Bank of America employee to get a bonus, then he put us on a hold and then hung up on us. We are fairly certain this has been unresolved, and that Bank of America opened this account without my wife 's permission. I looked up the details of the Bank of America Core Checking account and see there is a fee associated with the checking account that we never opened. Bank of America does not have a branch or ATM in the state we live in, which is another red flag.

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 2015-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Account Discovery Systems, LLC
State: IL

Complaint narrative:
I have received repeated calls from a " XXXX '' at XXXX who claims that I am listed as a " contact '' for my brother-in-law XXXX XXXX XXXX. This is patently false. I told them from the first call that I was not ever a contact for him, that this was my personal phone they were calling, that I was on the do not call list. They have called several times since then. They just called me again and I found out that today they called my parents XXXX parents XXXX wife ). They need to stop calling me and my parents XXXX parent 's phone is XXXX ) and they should be fined out of existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 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: FL

Complaint narrative:
I have a XXXX private loans that belonged to XXXX XXXX, now Navient. I did not pay them for atleast 2 years due to being unemployed and financial hardship XX/XX/XXXX-XX/XX/XXXX. I started paying them 2 years ago ( XX/XX/XXXX ), was put into a rehabilitation program for my Federal Loans and passed through it. My private loans, however, still say that I 'm 19 payments behind and are in collection on my credit report. I have called Navient numberous times to try to settle my judgement on one of the private loans and to set monthly installments to settle the other debt. They only say to " keep doing what I 'm doing. '' and that I 'm in good withstanding. This is saying one thing to me, but on the reports, they are destroying me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Brookshaw Management, LLC
State: WA

Complaint narrative:
I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.

Company response to consumer: Closed with explanation