vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: MN

Complaint narrative:
When I asked about lowering payments Navient advised that I could reduce payments or take advantage of forebearabce but never explained how this would affect the loan and or interest associated with loan. In fact they almost insisted I take the forebearance every time I asked about my options. Navient did n't inform me of any deadline or proper documentation either. I feel as though a Navient did n't have my best interest in mind when assisting me with my loan. Disappointing! This has also impacted my credit dramatically as the fees and interest are way out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: HI

Complaint narrative:
I applied for direct consolidation loans under Navient using the Dept of Education student loan website which linked to my 2015 IRS. I received confirmation that my direct consolidation loan requests with Navient were received with estimated payments under the REPAYE program ( which I also submitted the documents to apply for REPAYE ) of approximate {$220.00}. Despite confirming the processing of everything, confirming the accuracy of the information and receiving the paperwork with the REPAYE estimated amount, I now have a bill of {$1200.00} which is not based on the REPAYE amount. Further, my private loans under Navient with the standard payment of approximately {$720.00} now shows {$0.00} due, which would be great, if it were correct. In the end, my monthly student loan from Navient should be approximately {$950.00} not {$1200.00}. This is ridiculous, I had to call them so many times to confirm everything was received and processing correctly. Their practices are unfair and deceptive as they do not properly process the loan terms and put the consumer at risk of significant credit and financial harm. I can barely make {$950.00} and can not pay {$1200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 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: IN

Complaint narrative:
I have made numerous attempts with Navient to get my monthly payment reduced on a private student loan. Since this loan went into repayment again in XXXX 2015, I have maxed out all of my credit cards and now I can not pay them, I had to surrender my automobile and purchase a cheaper one ( but the payment is still high because of my credit score ). I am even to the point that I am considering filing Chapter XXXX Bankruptcy on top of the Chapter XXXX I filed 3 years ago. Everything was going well after Chapter XXXX until the Navient Private Loan went into repayment again. Navient says because I have a cosigner, they are able to make my payment, but my co-signer says they can not make the payment. I have gone through the financial worksheet with Navient and I only have a disposable income of $ XXXX/month to pay these loans. They claim my cosigner has enough income left that my payment is $ XXXX/mo. I have asked for forbearances and I have been denied. I have asked for help numerous times and I am always told there is nothing that can be done for me. I keep hearing about how Private Student Loan Lenders are working with customers, but Navient has failed to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: FL

Complaint narrative:
Im definitely glad to see this I 've been complaining for years my student loans have jumped tremendously over the years I owe almost XXXX dollars because they always had reasons why I was not eligible for a repayment plan instead they keep putting me on forbearances which you continue to incur high interest on your loans Also school I went to all closed and unable to even get a job in the filledZ it was a waste.. the school was also misleading signing me up with these different type of lisns

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained Bank Of America with the loan XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was in the process of moving and discarded some old starter checks from a closed bank of America account. Someone retrieved the checks a tried to cash a check for {$600.00}. I was never notified by Bank of America they just reported the incident to XXXX as suspected fraud. I am not able to obtain a bank account due to this report. When I contacted Bank of America I was transfered to several all to be put back to the original rep that informed me there was nothing they could do to help me. I offered to pay the charge off amount of {$86.00}, but that request was denied by the rep.

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 2016-05-23 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: CA

Complaint narrative:
I went to XXXX for my personal training. My teachers for my classes were constantly switched, moved around etc. I did not receive what I signed up for at this college. I have been forced to find education within the body of my employer due to the college not teaching me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 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: NV

Complaint narrative:
Navient is the servicing provider for my loan charged me for a loan that was paid off for over a year. When I submitted a payment in XXXX 2016 to clear XXXX sub-loans, Navient charge me over {$200.00} dollars on a loan that was already paid off, and tacked on late fees to my payment. I have been paying them off religiously trying to get them out of my life, but they have pulled this stunt an although they say that they have rectified it I do not trust that my account is in order. They have done this before with my account I was of the ones who received a settlement from the last mass lawsuit concerning XXXX XXXX/Navient, and would not be surprised if they have scammed me out of more money again. I have their statements that was sent to me proving that my loan was paid in full, and the statement far after the full payment status where they tried to recharge me on that loan. Every payment, every statement I have. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
This company received the attached letter and check where it was explicitly expressed that they were only to cash the check if they agreed to delete the account from the credit report. 
CBE did cash my check and continues to report the account on my credit report still as an unpaid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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: MD

Complaint narrative:
I received my bank statement from bank of America on a XXXX that I recently opened. This card was supposed to help rebuild my credit. I put {$500.00} on the card. When I received the statement there was a {$39.00} annual fee that I was not informed about when I opened the account and a {$10.00} bank transaction fee? I called and spoke to several people as I kept getting transferred. First I 'm told I could have it waived. Then I 'm transferred to the wrong department and then told no it can not be. And no one could tell me where the {$10.00} transaction fee came from. I closed all my accounts. Horrible customer service. No wonder they 're listed as XXXX of the worst banks in 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 2016-10-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I 've had my mortgage with Penny Mac for a few years and have made additional principal payments to bring the principal balance down to below XXXX % original LTV. The PMI disclosure we signed says we can cancel when " the date the principal balance actually reaches XXXX % of the original value of the property. '' Based on the original value of the property, which Penny Mac is using the sales price, we are now below XXXX % LTV. If we used the first appraisal value, it would be even higher. We ordered an appraisal in XX/XX/XXXX through Penny Mac which confirmed our home value increased. There response to me so far has been to deny the request, citing we must have XXXX % LTV of the original value of the home. Our PMI disclosure does n't reference XXXX % LTV at all, and reviewing research on the CFPB web site seems to suggest the XXXX % is an inventor recommendation and should n't be used. Can you please help me clarify? We have met all the conditions needed for PMI to be deleted from our mortgage and continue to get denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fidelity National Financial, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX I, XXXX XXXX XXXX, closed on a mortgage with XXXX XXXX ( formally known as XXXX ). Prior to closing, I purchased a title insurance policy with XXXX XXXX XXXX XXXX for a {$730.00} premium to insure me against any title defects ; moreover to assure me, the buyer, that I have purchased a valid title, up to {$130000.00} ; which was the original cost of my home ( SEE LINE XXXX of the HUD SETTLEMENT STATEMENT I SIGNED AT CLOSING ON XX/XX/XXXX ). The XXXX employer, who supplied the closing documents, confirm with me during the signing process at closing that I did in fact purchased a title insurance policy that will be mailed out to me by XXXX XXXX XXXX within XXXX business after closing. 
It has come to my attention via the Independent Foreclosure Review that I may have been sold a home by XXXX who really did not have the right to sell me this home. It is my understanding that a title search is a means of determining that the person who is selling the property really has the right to sell it, and that the buyer is getting all the rights to the property ( title ) that he or she is paying for. In those transactions where title insurance is involved, the title company must determine insurability of the title as part of the search process. 

Unfortunately, On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, etc. with the motive to cover up all loose ends of this mortgage transaction by which they stole my locked file cabinet that housed all of my important files and documentation ; which included my title insurance policy, monthly mortgage statements, deed, birth certificates, etc. Nevertheless, my copy of my closing packet was at my mother 's house, due to the fact that when I closed on my home I went to her house and left that packet with her. As a result, my mother put it up for safe keeping, by which XXXX was unsuccessful in disposing of corroborating evidence of a mortgage that should have never happened in the manner by which it did. 

To ensure XXXX XXXX XXXX did not facility mortgage fraud via racketeering, illegal kickbacks, etc., I request the CFPB to see that XXXX XXXX XXXX to provide me with a copy of my Title Insurance Policy, along with a copy of the chain of title performed by XXXX XXXX XXXX which allowed me and XXXX to legally enter into a binging mortgage contract to permit us to successfully close on this mortgage on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: IL

Complaint narrative:
I have been directed by both XXXX ( first servicer ) and Navient ( originally XXXX and XXXX ) into forbearance since my loans became due six months after graduating from XXXX in XX/XX/XXXX, due to my unemployment. Since my loans shifted from XXXX and XXXX over to Navient I have had nothing but misinformation. I was recently granted forbearance on all my loans for what I thought was a period of one year ( XX/XX/XXXX for XXXX loans, and XX/XX/XXXX for XXXX others ), this is what I applied for. Just yesterday I received an email saying they were going into repayment in XX/XX/XXXX. I log in to my account XXXX loans are saying due XX/XX/XXXX and the other XXXX are due XXXX! Yet, the first XXXX are showing under the details in forbearance until XX/XX/XXXX, if they 're in forbearance how is a payment due this XX/XX/XXXX??? The other XXXX are showing in forbearance until XXXX, again how is a payment due XXXX if forbearance does n't end until XX/XX/XXXX ( which, again is not even the date I requested )?! I am thoroughly confused by this information, and I feel it is intentional to mislead. I have tried contacting Navient concerning this and they ca n't give me a straight answer. I am terrified this is going to destroy my credit which I rely upon for employment in my field. I will attach screen shots from their site showing the inconsistency in information from one page to the next, and between the mobile and desktop site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Our Bank of America Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. BOA has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since BOA identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.

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 2015-08-23 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: NC

Complaint narrative:
this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
DUE XXXX due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX. XXXX falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : XXXX XXXX, UT XXXX Ref. : XXXX XXXX XXXX Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request XXXX to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 
2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX XXXX and XXXX on XXXX XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX XXXX and Bank of America. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl 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 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
1. Purchased home in XXXX XXXX. Ajustable Rate Loan with Countrywide Mortgage. 2years fixed then adjust 2. Tried to refinance around XXXX XXXX 3. Could not afford to refinance due to ridiculous terms 4. XXXX XXXX, 1st and 2nd mortgages more than doubled. Could not afford payments due to bad economy 5. Made no more payments after XXXX XXXX 6. The loans were transferred from one company to another for 3 years. Band of America eventually supposedly had loans. They finally foreclosed on our loans in XXXX XXXX. We went to hearing and asked for original note. They did not have it. Told us to go back for a second hearing the next week which we could not attend due to work. They foreclosed. Bank of America used XXXX to foreclose on our home. SC is a judigital state. They illegally foreclosed our our home. They could not produce original note at 1st hearing. The judge allowed the foreclosure to go through anyway. 
7. We tried to contact a lawyer to handle this and have been unsuccessful in acquiring one because every lawyer we speak with wants us to refinance. We absolutely REFUSE to refinance because everything with this home was done illegal. If we as consumers would have committed fraud, we would be in jail! 
8. Our loans are now with XXXX. They keep sending us bills. I have recently found out that we are still owners of the home. We could move back in if we wanted to. But we are in limbo concerning this home. I found out it is what the legal system is calling a zombie house. The bank can not legally sell it or do anything with it, but neither can we. We can move back in, live in it for the rest of our lives but we can never sell it or leave it to our children. 
8. The only info concerning this home on our credit reports are where Bank of America has transferred the loans. Doesnt say to what company or anything? It is derogatory on our credit reports. No other information is available. 
9. We need to know what to do with this home due to Bank of America 's illegal foreclosure? And we want it removed off our credit reports. 
I hope this is the right place to help us take care of this situation? 
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 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In 2012 Bank Of America refused to close my accounts or issue an order to stop payment, or accept my fraud complaint. They kept my accounts open and continued to allow my accounts to be charged, and charge me overdraft fees, thus causing undue stress and issues. My accounts were added funds which I wanted to reverse from XXXX loan companies, online source. They refused to help me with anything and I refused to continually add funds to my accounts until they fixed.

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