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

Complaint narrative:
i have a student loan with NAVIENT, upon looking at my credit report i noticed i have 14 missed payments from NAVIENT. I recently called them up to set up a payment plan to get ahold of my student loans. It was expressed in the past that i had a rough time after graduating college so i was going to be unable to make payments. I was told that i would be able to put my account in Forbearance. it was explained that it is a period during which your monthly loan payments are temporarily suspended or reduced for a year. During this time i was trying to work, i did not have access to a phone, email barely had a place to live. When i finally got a part time job i was able to turn my pre paid phone on and i was contacted from NAVIENT, i put my account in forbearance for another year so i can get on my feet. The issue today is when having my account was in forbearance NAVIENT reported me to the credit bureau and stated i have missed 14 payments. This is inaccurate information. I recently called NAVIENT they stated they can not help me stating their records indicate they tried to contact me, i explained i had no means of communication, due to me not working i had no phone, also i was under the assumption i was good with my student loans since i was told my account was in forbearance. A representative from NAVIENT said " send a letter to the credit bureau attached with my credit report and dispute it '' that is all she could assist me in today. 

The fair outcome would be to take off the late payments that NAVIENT claim i missed. I currently work for the state and i am able to make my payments. I am up to date on my payments, enrolled in auto pay and i pay extra on my loans each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 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:
Bank of America I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.

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 2017-01-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
For the countless number of years Bank of America places forced hazard insurance at the expense of the consumer, regardless if you have sent them a new binder and paid in full from the insurance holder. This is an annual event that I have wasted far too many hours on the phone, in which I do not get paid for and I am sure somehow BOA is making money off of this scam.

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 2017-02-28 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: TX

Complaint narrative:
I am currently paying a Parent Loan to Navient. The original consolidated loan was {$44000.00} and I started repayment on XX/XX/XXXX. In XXXX of this year I will have paid {$41000.00} ( 120 months ). I originally started with XXXX with a standard loan. Then I had a second servicer. I remember at that point that my last payment would be made sometime in XXXX. Navient is now my new servicer and when I went to look at the terms of the loan on their website, It shows that my last payment is in XXXX. If I pay XXXX a month til XXXX I will have paid over {$90000.00}. for this loan. That does not sound right. I have tried to reach out to Navient twice but they keep telling me this is correct. Please let me know if this is right. I have never missed a payment in the ten years. I thought I was paying a standard ten year loan. Now the loan term has more than doubled. Thank you for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and BOA ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.

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 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
XXXX ( now Navient ) is my original lender for XXXX PRIVATE student loans taken out between XXXX. I have been trying for over a month to get in contact with someone, anyone, there. I would like a copy of my original promissory notes and all loan documents for all XXXX of the loans mentioned above. You ca n't get ahold of anyone, I 've left messages on their " customer service '' line, I 've even tried calling another number I 've had saved from when I was on a repayment plan with them years ago, no luck. I frankly do n't even know who " owns '' my loan at this point because it 's been passed around so much. They are the original lender, I still can log in to an account, and they are sure as XXXX still showing all my loans with past due balances even though I 'm getting calls from another shady sounding company claiming to be in control of my student loans now. I just would like copies of all of my original loan documents, which the lender should be able to produce. Yes, my loans are past due, probably in default by now, but that does n't give them the right to flat out ignore me. If they would offer any kind of customer service, repayment options, etc, I probably would n't be where I 'm at - but that 's a whole other issue. I just want all my loan documents for all XXXX loans they report to my credit every single month. And some kind of tracking number for the package ( if they even can produce the documents ) - because their " word '' is XXXX in my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Account information was due to be removed from public record XXXX 2016 and is still on record.

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 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I schedule my XXXX mother 's bill payments to be " delivered by '' a certain date and her bank, Bank of America/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, " deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.

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 2015-08-28 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: GA

Complaint narrative:
I was making my monthly payments on my private student loan XXXX XXXX ( Navient ), however come XX/XX/XXXX I lost my full-time job and was n't able to make payments. XXXX XXXX ( Navient ) was made aware of my financial hardship but told me I do n't meet the requirement for any programs including the *financial hardship program*. So of the XXXX private loans I had I used my unemployment money to at least pay the loan with the co signer ; I stop paying when my unemployment ran out in XX/XX/XXXX. It has been roughly 185 days since my last payment with this loan but they sent it off as defaulted. I called the XXXX XXXX customer service and lady told me that my loan was in default for being over 210 days late, I then told her that, the loan I 'm speaking of was only maybe 190 days. She tells me when I was making payments on that loan I was still late so they added up days I was paying into not paid. She also told me which really hurt was that I did n't qualify for any hardship programs when I called them in XXXX and XXXX when I was still unemployed and looking for a job to see how can I make arrangements but I could have probably qualified which the guy I spoke to in XXXX clearly told me to call back when my financial situation change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently called Bank Of America for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 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: OH

Complaint narrative:
I filed a CFPB complaint around XXXX weeks ago. Since then, my loan servicer Navient, has sent my account to collections. I have n't received any calls in almost 2 years from any collections or Navient in regards to this until I filed with the CFPB. I feel they are sending the account to collections now in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: MN

Complaint narrative:
I have a large college loan through Navient. When I came upon financial hardships, they never offered me a re-payment option. Instead, I was told that I could put it off and if I was lucky, I would n't have to pay for 25 years and could just write it off on my taxes. Needless to say, there would be a huge penalty for doing that. 
Nobody has ever tried to assist me on this, the information was not presented in a clear manner and I am frustrated. 
I feel as though the company is only interested in how much money they can earn from my hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Countrywide Bank dba Bank of America has engaged in breach of contract and is attempting to defraud me and my domestic partner XXXX XXXX of our home by means of a false and deceptive Deed of Trust. 

In XXXX, we applied for a {$200000.00} loan from Countrywide Bank in the form of a HELOC. The {$200000.00} loan was secured by a Deed of Trust. In XXXX, Countrywide Bank dba Bank of America froze the HELOC and has refused to reinstate it, thereby breaching the contract. We have stopped paying on the HELOC and Countrywide Bank dba Bank of America is now threatening to foreclose. 

The Deed of Trust secures a {$200000.00} loan, which Countrywide Bank dba Bank of America has failed to deliver, thereby failing to fulfill its contractual obligations. Furthermore, the Deed of Trust is null and void because it fails to name a lawful beneficiary and falsely and deceptively names MERS as the beneficiary. 

We have rescinded the Deed of Trust and hereby request that the CFPB ask Countrywide Bank dba Bank of America to cease and desist from foreclosure-related activity. The following documents are enclosed : a ) Demand to Cease and Desist ; b ) Rescission of Deed of Trust ; c ) Notice of Rescission of Deed of Trust. To minimize paperwork, pages from the Deed of Trust are not included with this complaint. 

Sincerely, XXXX, WA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I got a call from XXXX threatening to sue me for a debt they could not present, they said they have no information other than it was already being processed through the courts. They said they serviced me at an address i did not live at for over 10 years they have threatening to garnish my wages. They immediately said they can lower the debt from {$900.00} to {$400.00} if i paid over the phone today with a credit/debt card. They seem to have my personal information such as my last XXXX numbers of my social security and my moms last name.

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 2016-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my BOA checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about 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 monetary relief
Consumer complaint received 2016-08-18 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: NY

Complaint narrative:
I have been private loan paying for 13 years but the balance is still more than $ XXXX. I am getting sick of this debt and want to escape from this nightmare. Would please help me??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: MD

Complaint narrative:
Below is the original letter that was sent : XXXX XXXX, XXXX Dear Navient Claims Department, My name is XXXX and I am writing a letter concerning my Account. Enclosed is information concerning Loan XXXX ( XXXX, {$5500.00} ) on my account. After a phone conversation with Navient on XXXX XXXX, XXXX, a research request was sent in to determine fees that I was overcharged during the duration of my loan. On XXXX XXXX, XXXX a response to that request was given and I was asked to prove in school deferment during the period of XXXX. Enclosed is enrollment verification from XXXX institutions proving half-time enrollment during the specified semesters. Please contact me regarding this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
XXXX late medical bills for which my wife was the patient were posted to my Credit repot. The debt collection agency Was Grant Mercantile in XXXX, Ca. The billing medical facility was XXXX XXXX XXXX of XXXX, Ca. and XXXX XXXX XXXX of XXXX, Ca. My Name is XXXX XXXX. The items on my credit report were # XXXX and # XXXX. I understand that myself and my spouse are XXXX family unit and responsible for each others bills. However outstanding bills from my wife 's medical treatment should be posted to her credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My loan is with Colorado Housing and Financial Authority. I was approved for a loan modification XX/XX/XXXX and although I had late payment my loan was brought current XX/XX/XXXX. I made my XX/XX/XXXX on time. I filed Chapter XXXX bankruptcy XX/XX/XXXX and although it is my understanding my attorney did not file a reaffirmation, the modification was completed after the discharge of the bankruptcy. I have continued to make payment on my XXXX mortgage, however, despite repeated attempts to get an accounting of my payments I am told due to my bankruptcy they can not send any documentation. 
I received a Notice of Breach on XX/XX/XXXX even though the post mark was 10 days later. I paid the amount of the breach before the deadline and also made my XX/XX/XXXX payment before the delinquent date, as well as applying " unapplied balance to my escrow account. 

My escrow account : I changed my homeowner 's insurance XX/XX/XXXX to save approximately {$700.00} per year. I requested my insurance agent send the invoice to CHAFA to pay. CHAFA paid ( overpaid ) the old insurance company for which it took me almost 7 weeks to locate ( I had been with them since I purchased my home in XXXX. I advised CHAFA of the change and was told I would be responsible to pay the new insurer ( Farmer 's ) and have to obtain a refund from the old insurance company. I received a notice from XXXX which was not the agreed upon cost of the policy and XXXX adjusted my account and I paid the premium to XXXX. In the meantime, CHAFA paid XXXX, again, for the inflated premium and NOT the correct amount. 
CHAFA refused to provide me any documentation as to the status of my loan and today I received a letter that they are continuing with acceleration and foreclosure despite my loan is current, as is my XXXX loan. The letter dated XX/XX/XXXX ( the day I made my XX/XX/XXXX payment ) is postmarked XX/XX/XXXX which is the usual mailing delay with any communication I receive. When contacting CHAFA I am transferred all around from customer service, to collections, to the bankruptcy department and all say the other is responsible for lifting the block for online access or correspondence. In fact, when I call and am given instructions regarding payment, when I actually call back to complete the directions ... they have changed ... In fact, my payment amount has increased 4 times in the past 4 months and I have yet to receive any documentation explaining WHY ... WHEN ... HOW LONG?? So I am making payments NOT the {$1700.00} in the loan modification from XX/XX/XXXX BUT {$2000.00}??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: LA

Complaint narrative:
XXXX XXXX sued us twice by XXXX different collection agencies on the same alleged debt that had been paid in full several years before. We were served the first suit ( the subject of this complaint ) in XXXX 2015. It was dismissed. Six weeks later, we were served another suit by a different collection agency ( see cfpb complaints # XXXX against the second collection agency and # XXXX against 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