vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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: CA

Complaint narrative:
Around XXXX I had an initial conversation with a representative of the Financial Aid office at the XXXX college in XXXX which CLOSED down a year after. 

During that almost four-hour conversation, I emphasized that I MIGHT be willing to cosign to support my daughters costs of attendance if she needed my help. The lady informed me that because my daughter was XXXX, she could enter into the loan independently and that she was guaranteed to be placed in suitable employment upon graduation, and that would enable her to repay the loan proceeds herself. And the loan would not be due to her until at least 5 yrs upon graduation. The school closed and my daughter was never given a job and now her degree is useless because there are no XXXX school left in USA. 

The financial person requested my personal information to run a credit check for eligibility " just in case '' my daughter needed a cosigner for the loan. She did not inform me that providing this information meant that I was granting permission to be listed as a co-borrower and for the loan to be generated using my personal credit profile. 

The result : there were XXXX loans generated on both my daughter and myself. My daughter has a loan for about XXXX. The Loan was granted ( me ) was done for almost XXXX WITHOUT my signature and I have paid back I believe close to XXXX because I was scared if I did n't pay my credit would be affected! 

I created an account and finally was able to contact customer service representatives in the XXXX XXXX and XXXX. They informed me that I had a loan that was due and payable immediately. I was told that if I did not make immediate payment arrangements, the loan would go into default and it would negatively impact my consumer credit rating. I felt explicitly threatened and intimidated and since I could not find anyone at the XXXX XXXX loan agency to contact stateside to contest what was a fraudulently made loan, I assented and agreed to make payments. 

I called every month to protest these payments, demanding other agency contacts that I could reach to rectify this gross injustice and fraud. No such information was ever provided and I continued to pay until I placed the loan in deferment for the past 5 years while I continue to fight and find answers. As of XXXX XXXX, I have paid more than {$20000.00} total, and there is still and outstanding balance of over {$40000.00} due on this loan I did n't not take out. Further, my daughter was also made a loan that is also in deferment with a XXXX balance due as of XXXX XXXX. And XXXX now Navient keeps telling me to defer the loan. I am trying my best to have someone assist me with this fraud - I have papers with NO signature of mine on this loan ; my name is TYPED by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
WE ENTER INTO LOAN MODIFICATION ON XXXX MORTAGE WITH BANK OF AMERICA IT WQS MADE XXXX ON XXXX WE HAVE NOT MISSED A PAYMENT. XXXX WEEKS LATER WE GOT A ANTHOER SET OF THE SAME PAPERWORK HAD DONE BEFORE IT WAS ACCEPTED, MIND WE DID THIS 4 TIMES BEFORE THAT DAY IT WAS MADE PERMANMENT. I CALLED MY CASEMANGER XXXX XXXX SHE SAID IT WAS A MISTAKE AND THE PROCESS WAS DONE SINCE THE BANK SIGNED OFF ON IT SHE SAID DO N'T DO ANYTHING I RECIEVED A FROM HER XXXX WITH THE SINCE IT WAS ACCEPTTED I NO LONGER HAVE A CASE MANGER. WE HAVE NOT MISSED A PAYMENT BANK OF AMERICA IS NOT CEDITING MY ACCOUNT OR REPORTING MY PAYMENTS TO CEDIT BUREAU MY CEDIT REPORT SAYS I 'M NOT PAYING AND BOA SAYS I HAVE TO GO THROUGH THE WHOLE PROCESS AGAIN. I MADE MY PAYMENTS EVERY FOR ALMOST 2 YEARS AND NONE OF IT HAS COME OFF THE BALANCE. I WHEN THE HOME OWNERSHIP PROFRAM XXXX AND XXXX XXXX XXXX TRIED FOR 1 HOUR TO SPEAK WITH SOMEBODY AT BOA AND GOT NOWHERE HIS PHONE NO. XXXX XXXX HE TOLD NE TO FILE THIS

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I was directed to take a forbearance and also went into default instead of working out a better payment plan. Once this happened my loan almost quadrupled in amount. I have n't received any help getting the interest rate lowered or offered any better repayment plans even though my credit is much better now and my payments are all on time. 

The only debts I have are student loans and a house payment ( no credit cards ) and even though I work many hard long hours and have a well paying job I still struggle and live paycheck to paycheck. I graduated college in 2005 with a XXXX only and I am still currently paying XXXX dollars a month in student loans alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have an opened complaint as well to the U.S. Department of Education as well.. 
I have had issues both with XXXX and Navient once they took over, first issue was they had the wrong graduation date as XXXX XXXX instead of XXXX XXXX which caused them to put me in a forebearance while I was still in school. Second issue I could not make payments online until my Loan was current and up to date by calling in payments, they would only apply the payments on some of the loans, causing late fees in others. Third issue they will mail me documents which never arrived. Fourth issue was sending letters to relatives saying they could n't get a hold of me when I 've been in contact with them weekly. Fifth they could n't keep track of my records when I put in a research request I would continue to get phone calls, and then the representative would then notice it was in a research status .The last representative said there was no such thing as a research status, and if so I was not notified that the research status ended. They emailed me a document which then never showed in their system until I spoke with a representative, they then re issued the document with a new date. Went I applied for a home loan, my loans did not match what was being reported on my credit report. I have documentation to back up some of these claims as well as other smaller issues. Constant harassing while I was n't in school 3 to 4 times a day different phone calls, bad record keeping, loans I do n't even know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Bank of America now in the amount of about {$350.00}.

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 non-monetary relief
Consumer complaint received 2016-03-12 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: NJ

Complaint narrative:
I file this third complaint with the CFPB against Navient ( formerly XXXX XXXX XXXX for the following reasons : In Navient 's response to the XXXX prior CFPB complaints I filed last year, Navient indicated they would include a note to credit reporting agencies indicating I was disputing the debt Navient was reporting. In reviewing my credit report in XXXX 2016, I find that Navient has failed to report to credit reporting agencies that I am disputing the debt Navient has refused to provide me with a breakdown of the payments I have made to them and what portion of those payments have been credited as interest, principal repayment, fees, and penalties Navient has refused to provide me with the formula they used to calculate the amount they claim is owed Navient continues to negotiate in bad faith. Last year, Navient extended to me an offer to settle the debt. However, Navient did not convey the details of this offer, nor the fact that they had even made the offer, to the debt collection agency that they employed and advised me to contact to finalize the offer. When I informed CFPB and Navient of this fact, Navient then distorted the facts and suggested I mislead the debt collection agency. I did not - the debt collection agency had no knowledge of any settlement offer. Navient subsequently threatened that if I refused further calls from yet another debt collection agency, they would not honor any prior settlement offers Navient has now employed yet another debt collection agency that has begun contacting me at irregular hours. I have contested this debt, complained about Navient 's deceptive, unethical business practices, and have attempted to negotiate with Navient in good faith to reasonably settle the debt. Considering there can be no question that I have disputed this debt, Navient 's use of another debt collection agency is nothing more than another attempt at harassment and intimidation Prior CFPB complaint numbers : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: DE

Complaint narrative:
I made a payment agreement with XXXX which are the debt collectors for Navient Student Loan. I made a settlement amount of {$4200.00} to completely pay off my student loan that they currently hold from XXXX XXXX. This agreement was made in XXXX XXXX. XXXX XXXX would deduct eleven payments of {$150.00} starting from XXXX XXXX from my banking account and then XXXX final payment of {$2500.00} on XXXX XXXX. I made all of the eleven payments for {$150.00}. I then spoke to XXXX about the final payment stating that I could n't make it in XXXX but instead in XXXX XXXX. XXXX called navient to make sure that this would be okay by getting me an extension till XXXX XXXX to satisfy the settlement. Navient agreed to this and gave the extension. I made the final payment on XXXX XXXX, XXXX for {$2500.00}. I then called Navient three or four day 's letter. They instructed me that my payment has been received from XXXX XXXX and my agreement has been fulfilled. I then asked when could I receive my settlement letter and when would this be reported to the three credit bureau agency 's XXXX. Navient stated that I would have to wait 30 days so the payment is verified. I said okay. I called back 30 days later and a representative from Navient stated that their policy has changed a week ago and that I have to wait 45 days. I argued with them and they said that there is nothing I could do except to provide proof that the funds have cleared. I stated no when they have had the funds for over 30 days now. I asked to speak to a supervisor they said okay and then I was hung up on. This happened all three times that I called back. I called back 17 days later asking for my settlement letter. I was told that my account was delinquent and that not all funds have been paid. I called XXXX as they stated that that was incorrect and that all information was sent over including the funds to Navient on XXXX XXXX, XXXX stating that my account was paid in full for the settlement amount. I called back Navient and they stated that they would open an investigation and to call back after 3-5 business days. They also stated that if this matter has been clarified and my account settled that it would not be reported to the credit agency agencies for 60-90 days. The supervisor informed that this is Navients policy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I 'm submitting a complain against BOA in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local BOA and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.

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 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: NY

Complaint narrative:
My real estate property tax was not paid by either mortgage company, XXXX XXXX XXXX ( OLD Acct # XXXX ) or Bank of America XXXX XXXX XXXX # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XX/XX/XXXX- XX/XX/2016 My mortgage was transferred XX/XX/2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to BANK OF AMERICA. Neither mortgage company paid the property taxes. My last XXXX XXXX XXXX annual escrow statement shows a payment of {$410.00} paid out but to whom? XXXX XXXX XXXX or Bank of America has to pay the taxes out of the escrow. The mortgage payments I made included the XXXX tax payments already. Where did that money go? I called XXXX XXXX XXXX XXXX. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. I called Bank of America and was told to call XXXX Services. I am given the run around. Please make them pay my XXXX XXXX tax. I already paid through mortgage payments. Specialize Loan Svcs ( old Acct # XXXX ) XXXX XXXX Bank of America ( XXXX Acct # 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 2017-01-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in BOA thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.

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 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the victim of an unlawful foreclosure by Bank of America. I filed a filed a lawsuit but could not afford to keep fighting with Bank of America and their team of lawyers. I was evicted from my home, and lost not only the house - but my life savings. I am XXXX from a XXXX and have struggling to survive. I have still not recovered from losing my house and have been renting rooms since then. 
The foreclosure happened in XX/XX/XXXX. How can I file an appeal to be included in the compensation? Surely a foreclosure in XX/XX/XXXX is as devastating as any in XX/XX/XXXX. 
Please help me in any way that you can. 
Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for assistance with my mortgage via my attorney on XXXX/XXXX/2015. My attorney confirmed a complete financial package had been received on XXXX/XXXX/2015. Bank of America is my servicer. The person assigned to my application has stated to my attorney they can not and will not use my pay stubs because the pay stubs do not show an ending date for my pay period. However, the company I work for is XXXX of the XXXX in the state of Nevada ( XXXX ) and they issue all of their pay stubs this way. This is simply an excuse to evade reviewing me for assistance. I have already been approved once before and my pay stubs have not changed. My attorney also advised me that they have assisted hundreds of other people who work for XXXX using the same type pay stub and no other underwriter, point of contact or servicer has had a problem with the pay stubs. It is obvious what the pay period end date is as I am paid every XXXX weeks. The start of the pay period is listed as well as the actual pay date. Underwriting can either calculate the date themself or simply go off of the pay date. Rejecting my application is unreasonable, unfair and possibly illegal per Regulation X of Respa servicing laws. They need to stop playing games regarding my pay stubs and move forward with the review. I have supplied a verification of employment as well and they have everything necessary to review my application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 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: MI

Complaint narrative:
I attended XXXX XXXX XXXX ( XXXX XXXX, MI ), around XXXX. The courses were too difficult for me to comprehend, so I withdrew from my classes in the allowed timeframe, after completing a semester. 
I committed a crime, and was imprisoned from XXXX XXXX to XXXX XXXX. During my prison stay ( XXXX ), I began to receive bills from a creditor concerning XXXX XXXX. I immediately typed/notarized a letter informing the creditor that I was housed in XXXX and was unable to make payments at that time. 
Upon my release ( XXXX ), I made contact with Navient Solutions concerning the XXXX private loans. I made payment arrangements, which were in agreed upon with Navient Solutions. I have been making, my scheduled payments, as agreed upon. 
The problem is, Navient Solutions, has continued to charge me interest on the XXXX loans. XXXX of the loans is being charged as much as {$100.00} in interest per month. 
I am mentally XXXX and receive. XXXX monthly payment per month. I am making my agreed upon payments each month, I can not afford for Navient to charge me these interest rates every month. Also, I put the XXXX private loans on my bankruptcy which was discharged, and Navient Solutions stated that does not change the loan, Is this true?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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 am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: IL

Complaint narrative:
My parents were co signers on some of my loans and they ended up in bankruptcy. Navient did not allow me to make any payments during this time, But Navient continued to accrue XXXX years of interest. 

I continue to pay more then what is owed but my balance keeps going up. 

My account says that I owe nothing for some months but when I click on the specific account I can see that there is an interest balance. This is deceptive, it makes you think that nothing is due that month but really you are accruing more interest. 

I went to XXXX XXXX a for profit school. I was never given information about my lender, never given information on my credit. Never told about monthly payments. 

I have called multiple times to see if my interest rates could be lowered but they have told me multiple times that it they are based off of what the government decides and there is nothing I can do to lower them. 

I was told that I am not able to consolidate in any way. 

My interest rates keep rising and it 's getting to a point where I can not afford to live. 

Whenever I call their customer service all they say is there is nothing they can do.

Company response to consumer: Closed with explanation