vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: WA

Complaint narrative:
I repeatedly asked for my options on income based repayment options while I was unemployed and again when I was underemployed but none of the options would make my payments low enough to not take up half or more of my monthly income. The only option I could afford was to sign up for forbearance. I asked about consolidation of my loans and could never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My ex-wife and I purchased a house XXXX in XXXX, OH. We divorced in XXXX. At that time I deployed. My ex-wife made several attempt to sell the house which did not happen. We also attempted to short sale the home through Bank of American. Bank of America gave us the run around XXXX consecutive times. The last time they assured us that the process was in review and never contacted us. We still have the house under our name even though the bank currently has the key. I forwarded the bank our divorce decree showing that the court orders us to surrender the property back to the bank. I have not been back to the residence since XXXX. This has affected my credit since this process started. I am currently deployed until the end of XXXX XXXX. I will provide any documentation upon request via email.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has over billed my account on student loans. I have been paying since XX/XX/2006. They have collected from me years that was incorrectly applied and/or overcharged my for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo took my payment of {$1100.00} from my XXXX account which is more than the payoff amount for the principal for my mortgage. ( {$1000.00} ) which I received in the mail after the eft had already been completed on XX/XX/2017. The money is gone from the XXXX account, but Wells Fargo has the payment listed as 'unapplied '. 
Why did n't wells Fargo just pay off the principal with the escrow balance of {$1700.00} and send me a check for the balance they owe me, and the closed mortgage paperwork? This is being done BEFORE THE MATURITY DATE OF XX/XX/2017. 
WELLS FARGO NOW OWES ME THE ENTIRE ESCROW BALANCE PLUS THE DIFFERENCE BETWEEN THE AMOUNT THEY TOOK ( {$1100.00} ) MINUS THE PAYOFF ( {$1000.00} ) FOR A TOTAL OWED TO ME OF {$1800.00}.

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 explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am in a short-sale with Bank of America. It mislead me, then lied to me, and now refuses to honor its word. I was approved for the short-sale Im in in early XX/XX/XXXX. BOA states " Further research shows that on XX/XX/2016, we initiated a short sale review. This particular program does not require an offer for the sale of the property be submitted at the time of application. As of that date an offer had not been received. On XX/XX/2016, you contacted us and informed us that you had XXXX prospective offers. You were advised that we would close the review and reopen a new review to accommodate the offers. '' That does not make sense. Why close the current program if an offer for sale does not need to be submitted in the application per BOA compliance person XXXX? This is what BOA used to start swindling me out of the $ XXXX relocation assistance, which is now has down to {$2500.00}. Then, I was told things by the multiple representatives that certain things were the case AND notated, yet compliance found none of those notes. This is the result of a previous investigation by the CFPB.

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 2016-03-22 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: NY

Complaint narrative:
Hello, I recently had my Navient Loans managed by a collection company called XXXX. I made a settlement agreement with them to pay off the loan. Then the day before the loan payment was supposed to be taken out, Navient took to the loan back from the collection company. This was done by a system that automatically removes accounts from collection companies who have not received payment within a certain period of time, I believe that 's the 30 days. However, I had an agreement in place, and I feel that Navient is taking extraordinary steps at trying to make this repayment incredibly difficult for me. I would like my loans sent back to XXXX XXXX XXXX XXXX.I would also like someone to look into this automatic system that 's pulling loans from collection companies that are already in repayment plans. The system should make an exception for those loans, and allow the collection companies to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I sent a letter to Navient asking to only be contacted via mail or email, yet I received at least 20 phone calls after they received the letter. I am also certain they received the letter because they sent me a response stating they could not negotiate terms via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with bank of america with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-10-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was contacted by someone from Navient using an Ohio number asking me about a relative so they can relay information. 
When I said that I do know this person, and inquired about how exactly my information was obtained by them, the call was ended. 
The number was XXXX, the reps name was XXXX and he said he was from Navient formerly XXXX XXXX Help me find out how my information was discovered and to have this company never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
BofA not comply with the Independent Foreclosure Review. They had a third party handle the payments and I would call them every two weeks and get the same response. Checks in the mail. Eventually they would say they had to cancel the check and reissue. This happened for 9 months. In addition, I foreclosed my mortgage in with a Chapter XXXX with the courts and BofA continued to call me for mortgage payments for a year after I had provided my case number and attorneys number to them. The mortgage account remained open and in collection/foreclosure status on my credit report for about 3 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-06 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:
Navient has been giving me XXXX about my student loans since I 've been dealing with them. Most of my loans are consolidated now but still a few with Navient are not and I 've been trying to take care of this situation over a couple of years now. They have me as defaulted on the XXXX website and it 's false information. This has also affected my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America issued XXXX checks to me because they did not accept partial payments for mortgages. The checks were missing for a period of time, however I am still within the statute of limitations to request that they honor both checks. Instead BOA voided the check and sent the money by wire transfer to XXXX XXXX XXXX XXXX who subsequently took over the loan. BOA should have voided the expired checks in XX/XX/XXXX or XX/XX/XXXX and reissued them to ME! Now BOA believes that they do not have to honor the check because they no longer service the loan. They believe this grossly negligent error is no longer their responsibility which is not true. Checks ' information : XXXX {$1100.00} dated XX/XX/XXXX and XXXX {$450.00} dated XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
I think it is a collection agency that is calling for a medical bill. When I answer they either just hang up or ask me for the last XXXX digits of my Social Security number which I will not give. They will then ask for my birth date which I will not give either. They will not tell me who they are or what company they are from. They are calling both my home number and cell XXXX times daily. That is XXXX times a day. They start at XXXX. They call from several different numbers. They all begin with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is prohibited from collecting fees during the loss mitigation processes. Dual tracking protections apply to Requested Mortgage Assistance ( RMA ) applications per California Civil Code 2923.6 ( g ). 
Prohibited fees during loss mitigation are not to be collected. Servicer may not collect any late fees when a complete loan modification application, other foreclosure alternative, or appeal is pending, or when borrower is compliant with any foreclosure prevention alternative plan per California Civil Code 2924.11 ( f ). 
Bank of America and their representatives has engaged in unfair debt collection as evidenced by the XXXX XXXX and XXXX XXXX Bank of America provided account records including, by not limited to, payment histories aforementioned. 
Bank of America has assessed fees to this home loan mortgage account amounting to tens of thousands of dollars, including fees incurred by XXXX XXXX XXXX XXXX ( XXXX ) in their roles as both debt collectors ( from XXXX XXXX to XXXX XXXX ) and beneficiary trustee ( from XXXX XXXX to present ). 
Bank of America has also engaged in record and document tampered destruction. 
Please refer to the submitted documents provided upon assignment of a CFPB complaint number for this complaint.

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 2017-02-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I make less then XXXX a year and I was told by Navient before my private loans defaulted I had no more options now they are trying to sue me or garnish me and I can barely pay my phone bill. I 'm trying to get and find a better career so I can pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I sold a property at XXXX XXXX XXXX, XXXX, TX XXXX as a short sale. I had XXXX liens on the property. There were NO lines of credit on the property. On XX/XX/XXXX, the loans were transferred to Bank of America, which is when my nightmare began. This is my 3rd COMPLAINT with Bank of America for this same property. Bank of America harassed me over payment for the loans and a property which had been sold. Additionally, they are erroneously reporting the first lien account number # XXXX on my credit supplement as a close date of XX/XX/XXXX, which is COMPLETELY inaccurate. Additionally, they are reporting the loan as a line of credit, AGAIN MORE INACCURACIES from Bank of America. I honestly do not know what else to do. I am trying to purchase a home with a very tight window for closing, and Bank of America refuses to assist me. I have called numerous times and I simply get transferred around with no help. I need someone, ANYONE AT BANK OF AMERICA TO SEND A LETTER TO MY EMAIL ADDRESS STATING THAT THE PROPERTY WAS SETTLED AND CLOSED XX/XX/XXXX. I NEED THIS AS SOON AS POSSIBLE. I AM ATTACHING THE HUD-1 SHOWING THE PROPERTY WAS SOLD ON XX/XX/XXXX ALONG WITH THE SHORT SALE APPROVAL LETTERS FROM XXXX SHOWING RELEASE OF THE LIEN AND THE ACCEPTANCE OF {$170000.00}. THIS BANK IS SO UNETHICAL. BANK OF AMERICA TRANSFERRED THE LOAN TO XXXX AFTER THEY SENT ME A CANCELLATION OF DEBT. THEY SOLD IT TWO YEARS LATER. AGAIN, UNETHICAL PROCESSES OF BANK OF AMERICA CONTINUE. THERE IS NO ONE AT THE BANK WILLING TO HELP CORRECT THEIR MISTAKES. I COULD GO ON. THIS IS THE ONLY COMPANY I HAVE EVER ENCOUNTERED SUCH AGGREGIOUS PRACTICES. SURELY THESE PROCESSES ARE UNLAWFUL. I DO N'T KNOW WHAT ELSE TO DO. THIS BANK CONTINUES TO REPORT INACCURATE AND FALSE INFORMATION. CAN THE CFPB INVESTIGATE THE FRAUDULENT PRACTICES OF BANK OF AMERICA? I AM SURE THAT I AM NOT THE ONLY ONE WHO CONTINUES TO SUFFER AT THE HANDS OF THIS BANK. SOMEONE HAS TO STOP THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-09 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I believe that Bank of America unfairly charges my credit credit just by purchasing a flight ticket from XXXX XXXX which is XXXX a Foreign Transaction Fee of {$47.00}

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 monetary relief
Consumer complaint received 2015-09-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient will not allow you to set up an automatic payment for more than what the monthly payment is. If you want to pay more than the monthly payment ( hence paying your loan off sooner, which should be encouraged!!!! ) you have to go in each month and do it manually. Navient has made it more difficult to pay off loans sooner so that they keep gaining interest $ from you. What a scam! I am in good standing with Navient ( XXXX XXXX ), I have always paid my monthly payments on time and would now like to pay off my loans sooner!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: SC

Complaint narrative:
Never fully explained, unemployed, after repeated requests to XXXX XXXX they would only allow forebear ancestors and loan ballooned to $ XXXX Need help please ca n't afford this I am a XXXX Vet XXXX year old female.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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:
In XX/XX/XXXX I received a letter similar to the one attached. The date listed for payment was XX/XX/XXXX with a payment amount of {$730.00}. I made that payment by the date on the letter. This was the first correspondence I had received from Navient, and I took immediate action. 
On Saturday XX/XX/XXXX I received the attached letter. I logged into my account and realized the extent of the issue and immediately made a payment of {$2900.00} to get my account current. On Monday, XX/XX/XXXX I became aware that all of these accounts were reported as past due to all three credit bureaus. 
As you can see by the enclosed documents, the letter from Navient does not state how late the payments were, and the credit report pulled XX/XX/XXXX, with a reporting date of XX/XX/XXXX shows a Payment status of Current. The report pulled XX/XX/XXXX has a last reported date of XX/XX/XXXX, shows a status of 90-119 days late. The last enclosure shows the payments made. 
When I called and spoke to Navient 's customer service I was advised correspondence was going to an email that is no longer monitored. I have since updated my contact information, and remain current on my payments. 
I am asking that this reporting to the credit bureaus be changed as I was not properly advised to the state of the account, and as shown by my actions I had the means and intentions to not have these fall into a past due state. This reporting has had a severe negative effect on my credit score as I was in the process of obtaining a mortgage. This will no longer be possible with this erroneous reporting due to inadequate notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 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: CT

Complaint narrative:
Difficulty making payments on a private loan formerly with XXXX XXXX ( currently with Navient ) for XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX, MA. Navient refuses to postpone or significantly lower payments after 10+ years of paying on-time.

Company response to consumer: Closed with explanation