vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My home was foreclosed on XX/XX/XXXX. This left a second mortgage account with Bank of America that was not discharged. Even though they were notified that the property was no longer my responsibility, they keep making tax payments on the account and charging me an escrow balance. These payments keep being returned, with the last XXXX being returned XX/XX/XXXX. After XXXX attempts to have the escrow account removed, and after Bank Of America actually agreeing to do it once, they have once again re-established my escrow account and made another unrequired tax payment on my behalf. Now they are reporting my account past due, because I can not afford to make the bloated payments they are requesting to cover the tax liability. To make matters worse, they refuse to address the issue while the tax payment is being processed, and the subsequent request to have it refunded is in process. I literally can not get them to address the issue before they make another payment!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient is an awful student loan service provider. I have had multiple issues constantly with Navient. I have recently transferred my loans to a different service provider. The new lender made over payments on all my loans. When I log into my Navient account all my account balances show {$0.00}, no payment due. This is very deceptive since I actually have negative balances on all my loans and Im due back a little over {$900.00}. My new student loan service provider told me to contact Navient about the over payments and the request checks be sent to close out the accounts. I called Navient, they wo n't touch the over payments for 45 days ; then I have to call them back to request they send the over payments back to the new lender. Navient wo n't even discuss my government loans which they also manage but that 's a different division and I have to contact someone else about those but no phone number is provided. Moreover, Navient has been calling and sending paperwork to my co-signer on a regular bases to get additional payments ; I 've never made a late payment. Naivent has no business calling a co-signer unless the primary on the account is XXXX and there are outstanding late payments. I have no records of them sending any documentation to my co-signer in my online account where I 'm supposed to manage all correspondence. I have placed limits on how Naivent is to communication with me and they completely disregarding my communication request by sending invoices to my co-signer. My co-signer has been sending payments with specifics on how she wants the money distributed ; Naivent has never followed the written instructions and distributed payments according to their own process. This happened when all of my accounts where current. I have {$650.00} in over payments due to me or my new loan service provider ; I have {$250.00} in over payments on my government loans that Naivent services but wo n't discuss with me. Navient says I have to call back in 45 days and ask for my money. Navient is all over awful and consumers should stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I received a call today from the General Revenue Corporation ( or at least that 's who they told me they were ). They left a rather official sounding message that they were a debt collection agency and that I needed to call them back about a debt. I called them immediately and then they asked me to verify, for security reasons, who I was. They asked for my address, which I gave them ( because it 's public record ) and then the last XXXX of my social security number, which is PII and I would not give them. I asked them to disclose to me what the call was about or any details of the debt, which they would not tell me. They kept saying that I needed to disclose the last XXXX of my SSN or the conversation would be over. That 's when I told them that it would be over because I would n't share it unless they told me what the call was about, which they would not do. She kept telling me that she already had my SSN but she needed me to verify it. When I asked her how she got my SSN, she could not answer me. I advised her that only my banking and credit card institutions had my SSN and that all of those debts are up to date. To date I have received no verbal, text, or written notice that I have any unpaid debts, so I was very suspicious as to what this might be about. I checked my credit report, which showed no inquiries and no late payments within the past XXXX years as well as no public record accounts named. I asked the technician if she could explain how I was supposed to ever find out what debt I have n't paid if she would n't tell me, and she could not answer. She asked for my information again, I told her no, and then she hung up. This instance may have actually been the company that they said it was or potentially a spear phishing scam ; I 'm not sure which. I contacted our lawyer immediately who also advised me to not give my PII over the phone. Again, I have still never received anything in writing from any company or any loan agency or credit card to date, so I find it suspicious and do not feel like I should have to share my information with this company for them to tell me why they are calling me. The number they wanted me to call was XXXX, they contacted me from XXXX, and the technician 's name was XXXX.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In the transfer from XXXX XXXX to Navient, I was unable to set up automatic payments. I was unclear which payment option to choose and unable to get an answer from Navient which option I should choose. I chose the wrong one, leading to my payments required being {$0.00} for a long time. No payments were being taken from my account I set up, leading to higher interest stacking up. Manual payments have got me back on track now, but not through any help of Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
Not may account fraud letter was sent with proof i always had health insurance. and request for information no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i found a 30 day late on my credit report on a line of credit account and the 30 days late apparently happened in XXXX of 2009 and contacted the bank for an explanation, apparently the bank does n't have or could not locate the events at the time, they know that the account probably was acquired from countrywide financial and maybe it happened during the transfer of accounts to their bank ... i was told that the XXXX payment was never collected and thats a proof that maybe the payment went to countrywide and they collected the money from them. i ask to be removed from 30 day late and they advice me to file a complaint to get this resolved. i know its only 30 days but if it was not my mistake removing this late payment will be helpful in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 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: FL

Complaint narrative:
I had XXXX for my lender and then everything was sold to Navient. After I consolidated my loans over 1 year ago, Navient was supposed to update my credit report showing the reflected changes, they failed to do so. I called and the rep there told me that I had to send a request letter for them to update the bureaus all XXXX I did send the letter and then I called a few days ago and they said I also had to include a copy of my credit report. I am uncomfortable sending them this information and asked why they can not just report the correct information as it is showing I owe more than I actually do and it is financially hurting me. The rep hung up on me. I also asked if they can remove the XXXX loans as they closed XX/XX/2008 and she said they had no affiliation with XXXX, but when I call the number to XXXX listed on my credit report it goes to Navient. All I am asking is that they do as they are supposed to and update the credit reporting agencys with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was working on a shortsale with Bank of America on my home that I could no longer pay. I hired a licensed real estate agent and they got me a shortsale approval then Bank of America could n't find the XXXX mortgage and when we finally figured out a resolution bank of america foreclosed on my home even though it was in active review. We had confirmed with the negotiator that the sale date was on hold a day previous to them foreclosing on me. I did everything the bank requested. I turned in paperwork and have been completely cooperative and now I feel like I was done an injustice.

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 2016-11-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I had a period of medical and financial hardship back between XXXX and XXXX of 2014, where I was late through that time period. I got caught up as quickly as I could, and have been on time ever since. Unfortunately, those late payments are now costing me thousands of dollars worth of higher interest rates. I have asked for a XXXX removal of those late payments, but Navient will not budge. I do not feel it is fair to continue to punish me for a period of time I had very little control over. All I am interested in is the removal of those late payments from my Credit Report so that I can move on with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
XX/XX/XXXX, I entered an agreement with XXXX in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make 9 payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with XXXX XXXX and we should send subsequent payments to another collection agency, FIA Card Services. They gave us the new information. I completed the remaining two payments with FIA Card Services XX/XX/XXXX. To my greatest dismay, XXXX XXXX filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach XXXX XXXX to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When Bank of America severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at XXXX time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I took out XXXX sets of Stafford loans XX/XX/XXXX and XX/XX/XXXX to attend graduate school. The original lender was XXXX XXXX. Currently Navient holds the loans. 
The loans are as follows : XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized XX/XX/XXXX {$8500.00} 2.65 % subsidized XX/XX/XXXX {$10000.00} 6.8 % unsubsidized Over the years, I requested that the oldest loan with highest interest rate be paid off first. This never happened. I requested over and over on phone and enclosed with check. Again, it never happened. Now, the XXXX newest loans are paid in full and I still owe thousands of dollars. This is interest which they created by manipulating the allocation of my payments in a manner in which I directly asked not to happen. 

I graduated the actual week the market crashed in XX/XX/XXXX and I rarely make the same income I did since XX/XX/XXXX when the loans were issued. This was not my plan. So I definitely do not want to pay any additional interest on these loans. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient has lost an automated payment made to my student loan account, and refuses to correct the situation. My bank has provided Navient with documentation showing the payment was made yet the issue is still not resolved a month after the lost payment.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have several student loans and I 'm having a hard time repaying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: GA

Complaint narrative:
I will be XXXX next week and am the sole caregiver for my XXXX year-old husband who has XXXX. I had to retire from teaching 5 years before I wanted to in order to care for him. I have repeatedly sent in income documentation showing that we are living from month to month on low pensions, but get no help. I try to pay {$50.00} whenever I have any extra money left over. I know this is ruining my credit. I went back to school at age XXXX to get my teaching degree, and I had to choose a private college that offered night and weekend classes, which bumped my tuition up considerably. We have been through a bankruptcy ( 6 years ago ) because of my husband 's high medical bills, but could get no relief on student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX. Beginning around XXXX till around the middle XXXX was having a serious of mail theft on and off which had gone unnoticed by my family until creditors began to contact us regarding late payments and overdue statements. We promptly contacted the Police and the USPS and filed complaints and criminal reports and promptly paid off all overdue accounts and supplied the creditors all with our Police Report number given to us by the USPS XXXX XXXX. This case is filed under XXXX XXXX. The XXXX and only creditor which has been giving me a hard time and refusing to refund my fees and correct the late reporting on my credit reports is CHASE. Even the initial representative informed me that in the case of mail theft all fees would be reversed and all late reporting would be changed to current and on time. They are refusing to reverse some fees that had incurred last year from XXXX till about XXXX and the refuse to correct the delinquent past due status from my XXXX and XXXX credit reports from 2015. This is not fair an every unprofessional. I feel like I went through XXXX and back since last year and Chase is not complying with state and company laws and understanding that we were not receiving statements and payment were being mad blindly at the branch according to what the tellers were saying to us. I am very traditional and can not access online statements an such without my children and they are away at college and this company made me feel so distressed and I was in disbelief at how every time i escalated this situation i was being shot down and told NO. I am a great customer, I have never had missed payments before this unfortunate incident. I bank and save with Chase and i was paled at their lack of graciousness or professionalism. Many many times they made me cry and yet they had no heart or curtesy to correct that which was in their jurisdiction to correct. I would like an investigation into their REFUSAL to follow the law and their own optics and even the states policy on mail theft and creditors. I have attached my apology letter that the USPS informed me to give to Chase and all of my other creditors and i gave attached it to this complaint along with my ID and Social Security number. This letter contains my postal police 's case number on it. Which can help verify my situation. Please force this awful and aggressive company to follow the law and not treat its own customers like suspects and understand that things happen and they are responsible to help customers not hurt them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loan was moved to Navient from XXXX XXXX, so I did n't receive notification of where to send my first payment after completion of Chapter XXXX Federal Bankruptcy. Since the interest ballooned so high, I need to make accelerated payments on my student loans as to avoid excessive interest payments during the life of the loan. Navient will not let the payee set up auto payments in excess of the minimum payment. I had to call customer service and argue with them to increase me auto payment. After almost 1 year of making accelerated payments. Navient sent me a letter notifying me they changed the terms of my loan, which ended up meaning they reduced my auto payment amount back to the minimum. This would extend the life of the loan and cause me to pay 3 times the amount of interest. I never authorized my auto payment to be decreased. They decreased it for obvious reasons to try and get more interest payments out of my loan. This is deceptive and should be illegal. As well, the Navient Website should be set up to allow the borrower/payee to set up auto-payment amounts in excess of the minimum payment, and change it at the payee 's discretion as long as auto-payment amount does not fall below minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
On XX/XX/2016, a banking institution took {$1300.00} out of my Bank of America checking account. They had no paperwork, signatures or any agreement with me. An individual that uses this institution ( Identified as XXXX XXXX ) was attempting to transfer money into my account but the transaction took money out. Whatever went wrong, no one appears to understand. I called Bank of America and expressed my alarm that an institution, completely unrelated to me and with no agreements in place could withdraw money from my checking account. The money was redeposited on XX/XX/XXXX. No correction to my interest was made and although I have called the bank on numerous occasions, there has been no explanation provided to me. 
This breach is serious but evidently Bank of America is doing nothing to correct the weakness in the system that allowed this to happen, they have ignored my pleas for an explanation and they have not reimbursed me for the loss in interest ( which occurred during the weeks that the money was missing from my account ).

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