vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: OR

Complaint narrative:
I applied for a loan modification through Ditech XX/XX/XXXX and was told that it was approved XX/XX/XXXX I then started making the trial payments. I was told to expect the final contract papers XX/XX/XXXX. I have not yet received any paperwork to finalize the modification. Ditech has been reporting my mortgage payments in default since early last year. They have said that they are having a " system error '' and the system is not updating the modifications as it should so they are unable to even manually generate modification documents. Their rep says that she has been complaining but it is not getting fixed. Recently my car died and I had a huge amount of trouble securing financing due to the dings on my credit report and subsequently have not been given a good interest rate for the life of this loan which has cost me money. I have kept up the trial payments through XX/XX/XXXX, but would like this issue resolved and the modification made permanent and my credit report corrected. I have escalated it to HAMP, but still have got nowhere with Ditech.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I gave you a detailed explanation with documents on " what happened ''! You ARE NOT ON OUR SIDE!!! You 're a XXXX XXXX that collects money from we taxpayers with no real intention of helping anyone! You 're a XXXX farce, a fake! and SOON you will ALL be exposed for the XXXX, the demons, the discredit to the human race that your are!!!!

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 2017-03-01 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: FL

Complaint narrative:
I have had my loans for now for almost 10 years. yes I have put them in forbearance a few times due to hard times. I have received multiple notices throughout this time to consolidate the loans and it has always benefited me to do so. This time under Navient being my servicer I felt cheated and lied to. I called and asked about benefits in consolidating my loans with Navient and they responded that if I consolidated I would have less payments to make and therefore less interest would accumulate on the accounts ( at the time I had multiple subsidized and multiple unsubsidized loans. After I consolidated I found out I lost an interest rate deduction of .XXXX % from a previous consolidation with the Department of Education ( previous servicer ). After consolidating my interest rate went from XXXX % back up to XXXX % which on {$60000.00} is a big deal -NO WHERE WAS IT WRITTEN THIS WOULD HAPPEN TO ME. Unfortunately for me I decided to go back to school right before the great recession in 2007 so my interest rates are higher than my mortgage and my car loans combined. Why am I paying so much interest for an education! back to Navient. - One time I called in telling them I wanted to pay off my XXXX % loan with a lump sum payment. They were arguing with me on how to apply the payment telling me I needed to use {$2000.00} of my {$10000.00} payment towards some interest on the that did n't even exist and had n't accused yet if I want to pay off that loan in full. I did n't understand it but gave her the {$10000.00} payment and who knows how she applied. All I know is this - I 'VE HAD MY STUDENT LOANS FOR 10 YEARS - I borrowed XXXX and now I owe {$62000.00} - I made a lump sum payment of {$10000.00} - do the math - with the way my loans are accruing interest I will never pay them off, I 'm on the income based plan but with everyone wanting to consolidate me all the time ( XXXX already now ) I keep losing my " time '' under this plan and I keep starting over .... oh right I lost that too when I consolidated and she did n't say anything about that when I called either. My mom does n't understand why I have to report my income every year to the Federal Gov so they can determine my payment. Feels like modern day slavery to me except now it anyone with a student loan that is a slave.. We will never pay off this debt with the way this company is compounding interest upon interest upon interest. something needs to done with the amount of interest I am paying. Why am I paying more interest to the government for my education than I am to private banks for my mortgage or for my car or for anything else I want to borrow money for????? - SOMETHING IS WRONG HERE!! 

XXXX, XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 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: TN

Complaint narrative:
Bank of America continually uses their various account access resources ( web module, mobile app, etc. ) to display incorrect balances for my account, causing me to confidently make purchases for which there are no actual funds. These transactions results in irreparable " overdraft fees '' which are exorbitant and unnecessary. I have repeatedly asked that my ACTUAL balance be shown, that my transactions be made in chronological order, and not in a predatory hierarchy, and that transactions for which there are no funds simply be denied rather than overdrafted. When I bring up these concerns I 'm assured that my concerns will be met. I write this currently overdrawn, because an overdraft fee was issued when my account displayed one amount of money, and a purchase was made for LESS than that amount of money. I was told this was because I did n't ACTUALLY have that much money in my account at the time of purchase ... .well then why in XXXX 's name did your app, your website and your ATM all say I did??

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 2017-03-25 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
I was in a bind due to my roommate moving out and against my better judgement applied for a {$300.00} payday loan from Big Picture Loans. As soon as it came for my first payment to come out, my hesitation was confirmed. Even though I had sufficient funds on the date of withdraw, the payment was never taken from my account and I was charged an NSF fee that even my bank could n't make sense of and promptly refunded. I received no phone call from the company. 
Two weeks later, I received another NSF fee. I could n't figure out why sense I had available funds. When I called my bank they could n't explain why either until they discovered that the withdrawal was attempted the previous day as opposed to the agreed upon date. 
I attempted to email customer service with the issue and was advised to call the number. I did twice to have the line disconnect both times. I am not trying to default on a loan and would like to pay back what I owe but obviously now I have racked additional fees for " late payments '' which were no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Never received a right to dispute letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I 've tried to explain to them that my income changed dramatically within past year and unable to afford. Ask for assistance with forbearance long term but only granted one month. 

School Name - XXXX University, XXXX GA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have XXXX credit cards issued by the Bank of America. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. 
I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. 
Not only did Bank of America refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Bank of America knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely " for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.

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 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient ( formerly known as XXXX ) refused to release any substantial evidence on my loan while it was being paid for. They would only release my monthly statement and refused to issue in writing any records to indicate all transactions made to date so I could reference the paperwork to determine if I was being charged an accurate amount on interest or if my payments were being applied to the principal correctly. This does not seem to be legal as it negates in my ability to insure my loan is being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 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 had set an overpayment on my account with Navient ( Formely XXXX XXXX ) - which was to help reduce the total cost of my Student Loan. This had been in place for at least 2 years - then out of the blue I received a message stating that there has been a change to my account - and some dates & terms. It never stated exactly what had changed. Then I checked my Navient account and realised they REMOVED my overpayment - so now they were only taking out the minimum to cover - which in effect means I 'd end up paying more on the balance over time if I did n't realise this ( accrue more interest ). This was Totally not cool.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-30 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: IL

Complaint narrative:
Recently, I discovered that Navient, who absorbed my loans from XXXX XXXX, has my monthly payment amount hidden away as a different amount than agreed to through XXXX XXXX in XXXX of last year. I agreed to pay {$610.00} per month, and they have the amount documented as {$640.00}. 

There are a few problems that I have with this:XXXX. I was under the impression that when my loans transferred to Navient they would stay the same, or I would be notified of any impending changes. 
XXXX. I was never notified of the change to a new payment amount. 
XXXX. I never received a new agreement letter from Navient. My cosigners did, however, it does not indicate what amount is due per month. In addition, the letters do not even accurately describe the loan amt between my mother, father and loan number, and sound as though my parents signed an agreement on a new loan. I never received a document stating I had taken new loans through Navient or anything of the like. 
XXXX. I did n't notice the difference previously through late fees or penalties, because I over pay every month. 
XXXX. XXXX XXXX REQUIRED that I sign up for automatic withdrawal for this " payment plan. '' That payment is set to come out every month, on the XXXX, at {$610.00}. Navient has continued to take out {$610.00} per month, another reason why I was unaware of the change. 
XXXX. If I did n't over pay, they would be automatically taking out an amount less than what they indicate my payment is. What would that be doing to my balance and interest? Does this currently have a negative effect on my balance? 
XXXX. I had to hunt for this information. My billing statements never indicate what amount is due per month, which always leads me to question if they 're actually applying the payments to the current month, or considering it a payment into the month ahead - a topic addressed in previous CFPB complaints about Navient 's predecessor, XXXX XXXX. 
XXXX. I also discovered that I no longer have access to my previous XXXX XXXX documentation. I requested information on how to access previous correspondence and have received no reply. 

I have supporting documentation to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me " NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This group keeps calling me, wo n't say what it is about except that they are from Pioneer Credit Recovery. They call every day at very odd hours. They leave a number, that when called back just puts you on hold for ever ( I made attempts ). I am on the Do-not-call list and the only outstanding debts I have are student loans, federal, that are in repayment at XXXX. My credit score is in good shape, and their consistent calls to me are abusive. I do n't know how to make them stop.

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 2016-03-28 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:
My wife and I took out XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. We were under the same belief that many have that these loans would fund the education that would lead to the higher paying jobs, thus enabling us to repay the loans and have the life we had worked hard to create. After graduation we were told our repayment plans would be more than the income we were making and opted for a hardship forbearance. Once this expired we were still within the same financial structure and unable to pay the requested amount. Navient was formed and our loans were transferred to them for servicing. They were even more difficult to deal with! My wife had her parents cosign on XXXX of her XXXX loans and, as a result, Navient refused to offer income based assistance due to the income her parents bring home. We explained to Navient that these are out loans and we are happy to repay them but we need to be within a reasonable payment. They are requesting over XXXX % of our gross monthly income in the form of payments and are unwilling to budge. We were told that these are private loans and are not eligible for any assistance outside of what they feel we should have. This is extremely frustrating because we are already paying them {$370.00} for my wife 's loans and mine are in an educational forbearance. Once these come out, they want an additional {$1000.00} per month. That does n't include the XXXX loans they are unwilling to include in the consolidation for my wife due to the consigned. They want an additional {$800.00} for those XXXX loans- more than the combined total for all the other loans! When all is said and done, they want {$2200.00} per month from us. Our monthly income is only $ XXXX. That means over half of it would go to them. That does n't include the Federal loans we pay. Navient has been completely unwilling to work with us despite multiple attempts. The worst part is we have been paying on them for nearly 6 years and the total amount due today is actually more than when we took the loans out due to the 'interest only ' repayment plans and the fact that interest continued to accrue during forbearance. It is almost criminal that these companies are able to lock students in to these loans with no chance of assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have applied for forbearance due to debt and a divorce in which was enabling me from paying loan amount on time. I have sent over several applications and no response just emails indicating i need to pay. Also loan amount seems larger then what i recall. Need this to be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have closed my checking account with Bank of America # XXXX XX/XX/XXXX and spoke to the Bank of America on XX/XX/XXXX, associate XXXX in XXXX ; I was assured that the residue of {$110.00} will be mailed to me as a check. It is now XX/XX/XXXX and I am still waiting. I called numerous times and was not able to get through since the XX/XX/XXXX, the hold was always very long, 10 minutes + or I got disconnected numerous times. I am on hold again today with the Bank of America and being bounced around.XXXX in XXXX phone # XXXX informed me " the check is in the mail and to give it till Friday. '' I am amaized how horrible it has been to deal with the Bank of America and would like your burea to know. 
Sincerely 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 monetary relief
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Good morning in 2008, unknowingly to me there was a default judgement against me for XXXX, with an original creditor of washington mutual, I have never had a washington mutual account, I was an authorized user on some of my friends accounts but not sure if one defaulted. Also I was never notified of the court proceeding or served. Fast forward to recently, instead of hiring a lawyer and going through a hassle of trying to fight a default judgement I agreed to a settlement and explained to the debt collector that it is not my debt nor was I ever aware or notified of this debt but I am willing to settle it we agreed on the amount a few days ago. I asked the debt collector to look at the files and you can see I was never the main account holder XXXX XXXX seize he does not have access to the files or he ca n't do anything for me but take my money for a debt legally speaking should n't have been mine in the first place. The debt collector can not legally validate the debt, he should not be accepting my money. Also he wo n't do the right thing in vacating the debt that was n't my legal responsibility in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a credit card solicitation from Bank of America in the mail to transfer high interest CC debt onto a Bank of America CC offering 0 % interest for two years with a 3 % balance transfer fee. I filled out the provided application in the BOA website that I was directed to in the solicitation and entered all the information asked for along with the {$8000.00} dollar amount of credit I needed to pay off the high interest card. I was expecting to be either approved for that whole $ XXXX amount or disapproved entirely. I immediately received an approval but for only XXXX % of the amount of the balance transfer I was asking to be credited. I was going to close the other high interest rate card if I was approved to eliminate the number of CC 's I have to better my Credit Score so that I could consolidate existing CC debt in a low interest personal or heloc loan. Instead, now I have an unwanted CC that I paid {$75.00} for, ( 3 % of balance ) which lowered my credit score XXXX to XXXX points. There was no disclosure to warn me that if I applied and was n't approved for the entire requested amount that I would be approved and given a CC for a lesser amount. This is a bait and switch unfair practice and I would like to know what my options are to rectify the damage that was done to my credit score.

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