vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ). 
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above. 
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower. 
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.

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 2015-05-19 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: TN

Complaint narrative:
School : XXXX University, XXXX, TNIn 2013, Navient guaranteed that if I put {$1500.00} down and agreed to a Reduced Interest payment plan on a charged off private student loan, that they would in return XXXX ) Bring me to a " current '' state on my account, XXXX ) guarantee 0 % interest on future payments, XXXX ) Report to all XXXX credit bureaus that I am current and no longer delinquent. All of this would be fulfilled XXXX 3 months of timely payments were received by them. That was 2.5 years ago and XXXX payments ago. I have had no late payments and have had no missed payments. I have done everything I was told to do in exchange for false promises. Navient is still making derogatory reports to the credit bureaus and they have yet to fulfill the promise of any of the above. According to their reports and to all of my credit reports, I am XXXX payments late and have an amount of {$2600.00} past due. I have called over XXXX times in the last year and have gotten nowhere. Today, however, it was admitted to me for the XXXX time by a Navient rep that I was indeed " misinformed '' when the above terms were guaranteed in exchange for {$1500.00} down and my agreement to a reduced interest payment plan. She said that there was a period of time when customers were told this information " erroneously. '' And the only thing she could do is apologize. I feel totally taken advantage of and duped. I am completely fine with paying back loans that I owe, but being lied to in order to take advantage of someone is wrong beyond words. This needs to be brought to the public 's attention immediately. This company is unethical on so many levels. 
The XXXX people responsible for making these promises on behalf of Navient are XXXX XXXX and XXXX XXXX XXXX. I was called over and over again by XXXX individuals and was threatened with legal action if I did not agree to these terms. I was asked if I had any jewelry or anything valuable that I could sell, so that I could provide them with a down payment to avoid court. I succumbed to the pressure and borrowed money from friends and family in a difficult financial period in my life and made it my mission to pay Navient each month on time. I have stuck to my word. They, however, have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 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: CO

Complaint narrative:
I have been repaying a student loan since XXXX the loan was consolidated in XXXX. After consolidation the loan amount was {$27000.00}. I had trouble repaying early on and the loan was put into forbearance. This happened twice. Interest capitalized several times to the amount of {$23000.00}. I have made payments over the years totaling {$60000.00}. I have looked through my account and I do n't understand how I still owe over {$34000.00}. I have reached out to XXXX ( now Navient ) many times over the years and the response has always been " oh well that 's just how it is ''. If I took out the loan in XXXX and repayment was over 20 years at 8 % and I never deferred payments, I would have paid the loan off in XXXX and total dollar amount of payments would have been {$54000.00}. I take responsibility for my lack of knowledge in how capitalized interest works but I was never counseled by XXXX ( Navient ) on how to manage this debt, even though I asked for help many times. I should n't have {$34000.00} still to pay on my student loan. It feels a lot like the government is profiting from student borrowers lack of understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Greetings I am not sure if you can help I enrolled in XXXX college XXXX. XXXX loans are due paid before graduating I became delinquent because it was hard to keep up with XXXX loan before graduation. I was dropped from the program because of delinquent account. After wage garnishment I successfully completed a student loan rehab program and I was excited because now I can go back to school and finish to get my diploma in business. Well in XX/XX/XXXX XXXX college schools have all been shut down leaving me with still a XXXX loan I pay for every month I tried contacting Other schools and nobody wants to accept XXXX college credit units. Do I have a case for relief? I am not sure what else to do because I currently have no options. I have a huge debt burden get paid little money and I do n't have the opportunity to complete my program because XXXX schools no longer exist and no body wants my units? I know it has been years but it took me years to bring this student loan current I went thru wage garnishment and finally I enrolled in student loan rehab and did not complete that until XX/XX/XXXX and them XXXX XXXX took over and now nelnet

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Forgive and bail out the students.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It 's unscrupulous and dishonest : Bank of America emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Bank of America, XXXX, and get a very terrible, lackluster response : " timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Bank of America 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
At the end of XXXX 2015 I applied for a mortgage with Bank of America ( BofA ) to buy a house in XXXX, VA. I provided the Loan Officer with any information requested and I told him that I live and work XXXX ( XXXX ) because I 'm a XXXX. On XXXX XXXX BofA charged me {$450.00} for the property appraisal which was done on XXXX XXXX. On XXXX XXXX the Loan Officer informed me that my application was rejected " because you are XXXX and buying a property here ''. Considering that the basis for denying my application ( XXXX ) was known to BofA since the beginning of my mortgage application, BofA should have denied my application right away and for sure they should n't have ordered ( and charged me ) the appraisal cost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-27 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: IN

Complaint narrative:
This loan was originally taken out in XX/XX/2007 and was used for XXXX at XXXX in XXXX, IN (now defunct) that I did not realize was unaccredited. I paid on the loan faithfully for a number of years until I filed a XXXX due to job loss. When I exited the XXXX I wished to repay this loan but was constantly told that it was still in XXXX. After over XXXX years of waiting and being told it was in XXXX they contacted me without notice and let me know the loan was past due and due to default. I almost didn't get enough to pay the payment. I also realized after looking on my account (after it was enabled) that the loan had incurred $XXXX dollars of interest and that they did not taken off my co-signer which was promised to me after paying the first year of the loan. I feel this loan is predatory and unethical and I'm not sure how I'm going to pay for it. With no options for Private Loans, it has become frustrating, and upsetting. I'm unsure how I'm going to move on with my life with this loan in its current state.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: GA

Complaint narrative:
I am receiving calls from Navient from XXXX until XXXX. They call up to six or more times a day and even call me at work when I have ask them many times not to do so. I have tried to work out arrangements but they want more than I can afford. I need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: MD

Complaint narrative:
On fixed income ( SSI ) sent in payments when due, received notices, and phone calls requesting more money due to late payments. They would not allow me to lower repayment amount nor alter my repayment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have multi complaints with Bank of America starting from XX/XX/XXXX. During this complaint process I have had too many " single points of contact '' to keep track of. I also have asked multi contacts to correct my Credit Report, where BofA says I did n't pay my mortgage. 
I received a letter from them in XX/XX/XXXX saying they would get my Credit Report corrected and they still have not done so. I also asked my most recent Contact person to look into before closing the last complaint w/ CFPB, which I was told that BofA believes they are correct and that I did n't pay or did n't pay on time. My Bank, XXXX XXXX XXXX XXXX, did some research for me and we are easily able to prove, again, that I did infact pay on time and in full. Please see attached.

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: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I contacted BOA XX/XX/XXXX to let them know we wanted to short sale the home. I was told we had to apply for and be denied a modification first. I provided the requested documents, was contacted for more documents, and this cycle continued for five months. Despite sending in a requested letter of explanation on my situation in XX/XX/XXXX, and requesting a short sale, NOT a modification, my file remained in review for modification until XX/XX/XXXX. I 've heard multiple stories about the process to get this done and have received bad information, faxes and emails were " LOST '' phone calls NOT returned, etc., all to find out I am still in the beginning stages of NOTHING. All the while, I have a contract for purchase on my home that was signed months and months ago. Most recently, my real estate agent was asked to open a file in equator and when she attempted to do so, was unable to due to " lender placed property is already active '' error message. She reached out to BOA for help in getting access to my property in equator to move this along, and after several messages to XXXX people ( XXXX XXXX - XXXX ext. XXXX. His manager is XXXX XXXX - XXXX ), they still have not received a call back. The first message was left on XX/XX/XXXX ( SEVEN days prior to today ). I have also called the manager referenced above ( XXXX XXXX ) and have not received a call back. I have done everything in my grasp to make this situation right, and it 's dragging out longer every time I turn around. I can never speak to the same person at BOA and get different information almost every single time I call. With a check of the phone conversations ( which are recorded ) you can see the different stories I have been given. You can also look at the log of information BOA requested, and notice how quickly I have provided everything they ask for, sometimes more than once. The buyer who placed a contract on my home has to move from his current home XX/XX/XXXX. We are nearing that date and he is going to walk away if we can not make some headway here. This company is disorganized, lacking in basic knowledge and completely lacking in efficiency. I am seeking a manager or leader of some sort who can help me through this process. It has been over seven agonizing months of chasing my tail. While I understand a short sale can take time, unfortunately, I have n't even made it to that department yet due to sheer incompetence. Thank you for any help you can provide.

Company public response: Company 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 — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
The loan provider took me out of deferment while I am still enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: VA

Complaint narrative:
I graduated from XXXX XXXX XXXX in 2010 and was very overwhelmed with the cost of my tuition I have to pay back. I tried asking for more explanation about the details of the loan and program I was going in for but never gotten the help from anyone. 
At first, I just wanted to visit XXXX XXXX since it is closer to my home and schedule can be very flexible, that day I felt like I was pressured to stay and enroll right away, they asked me to fill out loan applications and different paper form. 

Now that I am planning on continuing with my education I was told that all my credits from XXXX XXXX XXXX can not be transferred so now I am stuck, I know for sure I will never go back there because of the money they charge me. None of these information was given to me when I first applied. 

**We were un aware that they will have a loan under my name and under my step dad 's name until all this migration from XXXX to Navient happened not too long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
VISA credit card through Bank Of America -- -- -- -- -- -- -- -- -- -- -- -- -I refuse to use a DEBIT card. What I have chosen to do is pay an extra amount, over and above the XXXX balance of my VISA card, just in the event that I am hospitalized and therefore unable to pay my bills in a timely fashion. 

On XXXX XXXX, 2015, I deposited an extra {$170.00} into my VISA account, which is {$170.00} over my balance of XXXX ( {$0.00} ). This obviously means that I have a CREDIT in the amount of {$170.00} remaining to charge items. 

On XXXX XXXX, 2015, Bank Of America transferred (??? ) this money to what they have chosen to label " CREDIT BALANCE REFUND DEBIT '', and they labeled this as " FEES ''. 

Upon noticing this on XXXX XXXX, 2015, I called them, and was told by a very courteous and understanding representative, that this is a policy!!!!! SINCE WHEN????? In lieu of a DEBIT card, I place additional funds into my VISA account in order to cover those spontaneous purchases I make. I was told by the representative that Bank Of America is sending me a check!!! WOW!!!!! I thought internet banking was supposed to eliminate " snail mail ''. Why could they not simply transfer the money back to my checking account??? 

I know the banks just love those of us that pay our credit card bill in full ( LOL!!! ). It must be fabulous to know that I have extra funds on my credit card, therefore partially eliminating the chance that my payment will be late!!! Hey, no interest money paid to the bank!!! 

CAPITOLISM ... ... ... .make that money!!!!!!!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
after discharge of bankruptcy, they placed XXXX or XXXX accounts on my credit report as open, that was not on there before bankruptcy was filed but they were included in the bankruptcy. and they when from reporting under central financial to syndicated office systems. These should not have been report after discharge. They Placed it on my credit report about 8 days after final discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NH

Complaint narrative:
Loan amount started at one payment then the payment grew higher and higher. It finally stopped a couple months ago then rose again this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: NY

Complaint narrative:
The cfpb issued a XXXX fold administrative proceeding ( File No. XXXX ) against Central Financial Control. 
One mandate of the proceeding was a penalty of up to {$120.00} ( aprox ) per incident to each affected customer. 
Another mandate was to issue a full refund to customers who had paid the implicated debts ( accounts ) in full. ( The third aspect of the proceeding is to forgive in full the debt of afflicted customers who failed to pay their debt. ) I was issued XXXX penalty checks of {$120.00} each, complying with XXXX mandate of the proceeding. In addition and as per the proceeding, a refund is due to me in the amount of {$2700.00}. for account number XXXX, for a debt that was paid in full to Central Financial Control and is XXXX of the accounts I held covered by the cfpb mandate. A check for {$120.00} to comply with the penalty mandated was issued for this account, but absolutely no refund has been issued. Central Financial Control is still in violation of the 'refund ' mandate in the proceeding. 
Please refer to the cfpb directive XXXX XXXX. XXXX, link : XXXX XXXX I anticipate a timely response.

Company response to consumer: Closed with explanation