vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 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: NJ

Complaint narrative:
I have called repeatly through out the years asking for loan reduction I was told to fill out the paper work They always call back and say the type of loan I can not do this. The interest racks up. I pay for my daughter who is s XXXX however I can not get a discount because I am not the XXXX. However that is not stated when you hear about forgiveness XXXX I never get them to reduce my psyment so I actually can make a payment. If I pay what I can it does not even cover the interest payment. I honestly wanted to make a payment I can afford with this interest payment a lot lower

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. 
My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. 
( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 
1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to my account.

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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I took out Federal and Private student loans for my college education. XX/XX/XXXX and again XX/XX/XXXX, I suffered a XXXX that forced me out of work and I had to halt payments on my student loans. I have yet to fully recover financially from the impact of those incidents, but XX/XX/XXXX, I began repayment of my loans through XXXX. 

I made verbal payment arrangements with them, and I began to send in my monthly payments via my online banking bill payment service as they provided physical checks to the lender for payment. For over 5 months straight, my payments were deducted out of my account and cleared ( I have scanned images of those checks having cleared and been stamped for deposit by XXXX ), but after 5 months I received a notice of default from them, stating I had not made any payments. 

Once I received this notice, I printed off the images of the cleared checks and contacted XXXX, and they indicated that they could not service or answer my inquiry as it was in default and sent to another loan servicer. I have since paid off those smaller accounts, but they are still showing up on my credit report as " closed-missed payments '' and prohibiting my ability to secure credit despite my excellent credit score. 

I am beyond furious as I feel helpless and without recourse after having paid as agreed, only to have them not ever post a payment to my accounts ( Where did my money go? ), but adding insult to injury, now I can not secure credit for something that happened 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My private loan is currently through Navient. I read on the article regarding Navient cheating borrowers in interest and misleading consumers in their loan products. During my financial struggles, Navient advised they will place my loan on forbearance not providing me with full details and verbally consenting to the agreement. I was told they can lower my payments to help. The program they put me in was an interest only 2 year plan. For the duration of the 2 years, I made my minimum payments and had a few months to apply more to principal. when I would check my outstanding balance, I started with a {$28000.00} student loan and after the 2 year period, my principal balance increased to {$33000.00}. I contacted Navient to complain and advise why nothing has been applied to principal. They advised I am on the interest only plan. I paid this interest only plan for almost 3 years before I noticed the balance was not decreasing. I advised I want to pay off the loan as soon as possible and to remove me from the interest only plan. my payments jumped up to over {$560.00} and noticed only {$100.00} is being applied to principal. I called to complain and requested an amortization schedule but they advised there is nothing they can do. They recommended another forbearance or to extend my terms to lower my payments. 

Soon after, my school ( XXXX ) filed bankruptcy and closed their doors in 2016. I called to request a discharge, forgiveness or a principal reduction as the school credentials are no longer valid and it was almost impossible to get a good paying job. XXXX XXXX XXXX was sued due to this reason. An individual who had no degree would be able to get the same job as me and start at a higher rate. I do not believe I should be liable to pay the remainder of the loan and tried to request a discharge but they said there are no programs for this and kept recommending forbearance or an extended term. I graduated XXXX with an principal starting balance of {$28000.00}. 8-years later, my unpaid principal balance is {$27000.00}. 

Navient cheated me with interest charges and did not apply the proper amount to principal and mislead me with no available programs to help pay down my debt. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have used PayPal several times without issue, mainly with my credit card as the form of payment. However, twice now ( out of a small number of transactions ) I have had a problem with a seller, resulting in no transaction completion, yet PayPal holds my money leaving it tied up for days/weeks/months. The common denominator is the use of a PayPal balance, rather than a credit card as the method of payment. They market this balance as online cash, yet when a transaction falls through, it operates like a black hole, unlike cash whatsoever. 

This is problem # 1 : false and misleading marketing Problem # 2 : While this is happening, PayPal is earning something called float in financial markets and likely are investing funds that are not theirs ( failed transaction ) in short-term financial instruments, keeping the gains for themselves. This is more serious and may violate banking laws. Even if they are not investing it, by holding a customer 's money when no transaction has occurred, they are depriving customers of usable funds without compensation. Since a customer ca n't spend their Paypal balance while it 's in limbo, a customer is forced to spend real cash ( fungibility of funding methods ) in its ' place, losing the time value of that money. Separately, I 'm checking with Federal consumer agencies to see if this breaks US banking laws. 

This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}, I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone, with me as a witness, that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later, no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion, I 'd get my finds back very quickly, perhaps never see them gone at all. In this way, my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is " for the benefit of '' money, not theirs at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21 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: ME

Complaint narrative:
I sent a payment to pay off my daughters XXXX loan XXXX via Bill Pay ( direct from my bank with notes to apply to this loan only ) Navient applied it to all XXXX loans ( She also has XXXX Signature student loans with Navient ) so most of the funds went to interest payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Bank of America and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. Thank you.

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 2015-07-10 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: NC

Complaint narrative:
I made a settlement agreement with XXXX XXXX XXXX XXXX XXXX law firm that is managing my two charged off accounts XXXX and sent two cashier 's checks for {$2500.00} each. I was informed by a couple of XXXX XXXX XXXX representatives my checks were received. I called XXXX XXXX XXXX today to ask if they were able to expedite their process when it comes to contacting the original creditor ( Navient ) to confirm payment has been received. One of the representatives confirmed XXXX XXXX XXXX had already submitted that information to Navient as they upload information daily to this company. I contacted XXXX XXXX, consumer advocate for Navient, and he was able to submit my request to expedite the process on XXXX XXXX to report to the three credit bureaus. I was told my XXXX, XXXX XXXX XXXX has a 30 day policy. My payment has to be cleared in their office for 30 days in order for them to assure the funds are received and cleared. I asked XXXX XXXX XXXX today and one of their representatives told me this applies to clients that have judgements against them. The representative then stated I would n't have to wait the 30 days since they upload information to Navient daily and Navient is aware my funds are received and cleared. I then contacted XXXX XXXX by email letting him know of my findings. He then replied back " Dear XXXX XXXX, Unfortunately, we are unable to expedite the process any further. '' I asked " why not '' and have not received any replies yet. I am exhausted with this process! I have done everything XXXX XXXX XXXX and Navient have asked! I do n't understand why they were harassing me so much about these accounts and now that I 've settled, they do not want to deliver their part of the deal! This is not my first complaint with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Bank of America in XXXX. We went to BOA and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: CA

Complaint narrative:
I graduated from XXXX XXXX XXXX XXXX ( XXXX ) with over {$300000.00} student loan!!! I should be working as an XXXX but no residency. XXXX XXXX many many times for guidance and last I heard was from their program director telling me I am XXXX. Since 2009, I have been paying student loan for federal and private. My income is only XXXX compare to the income should one have for $ XXXX student loan. Federal has increased payment and Salliae mae have had me paying only interest and now wants to increase it by 188 % or commit to pay {$510.00} when at end of the month I only have {$100.00} left. I tried to talk to them but with very rude language she said " that is all we have, give me your credit card and commit to {$510.00} for 15 months ''. I only have {$100.00} left in my account where do I bring that? Due to false statement from XXXX, no residency no job that can pay this loan. It is not me, there is lot more that do not know what to do and who to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: NV

Complaint narrative:
I feel that I have been a victim of the Fair Debt and Collection Practices Act as well as the unauthorized bank payments from Navient. They enrolled me in autopay even though she put me on and I told her to take me off. I unchecked al all of the boxes for autopay and their computer system put it right back on. 
These are UNAUTHORIZED transactions. I feel that this should be looked into on the part of Navient. This could cost me over XXXX in interest alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
the bank of america locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Bank of America Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Bank of America XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!

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 2016-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The regulatory complaints team that represents the Home Equity Line of Credit application from my lender is failing to do their due diligence concerning my application. Their whole argument rest on information which they asked of a TransUnion consumer rating agency service recommendation. Is the bank too lazy to do their own job correctly? When I reported the death of my spouse, the bank promptly stopped automatic money transfers from my joint account, thereby triggering a delinquency as stated in the XXXX report. The bank goes further to perpetuate their own incompetence by inferring that the agency 's reporting played no part in their decision. But to the discredit to their own inability to give an example to what specifically they found ... They say we are unable to supply specific reasons for their decision. 
I have had only XXXX payment delinquent. I have paid cash for most of my purchases with just a few charges to my credit card. Since my spouse died I have refrained from using any credit that was in both our names to prove I have changed to a single person status. My belief is this example of unlawful discrimination is based on arguments I have had with personnel at the loan processing center at the bank. This person is on record as being rude on the phone with me as a consumer, and I question whether his personal feelings attributed to the denial in assessing the loan. His name is XXXX, XXXX # XXXX, because he has not investigated beyond looking at a simple credit score. I do n't know what they pay him for if not to due an investigation of assets that I have, which total over XXXX. 
The regulatory complaints team headed by XXXX of Bank of America should be ashamed of the performance they have added to this violation. In a letter finalizing their contact with me they submit XXXX proof of evidence, which was a denial letter written by XXXX. That 's hardly a testimonial, and a lack of due diligence of taking the task of reviewing the findings beyond a cursory information letter, standard practice for an institution that marginalizing the individual and denies the public equal protections under the law.

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 2017-01-24 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: FL

Complaint narrative:
I was attending XXXX XXXX College when these loans were taken out. However the school is no longer on business and has closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America targeted me for an offer of XXXX XXXX miles upon opening a new credit card with them. I applied for and was approved, and only received XXXX XXXX miles. I was told I was not credit worthy. I have a credit score above XXXX, top 1 % of income, and a perfect payment history. This is a blatant bait and switch. I was offered to apply again, with the SAME CREDIT SCORE, SAME CREDIT HISTORY, and was given no guarantee that the promise of the missing XXXX miles would be kept. This is dishonest advertising, and disrespectful handling of a mishandled situation. They should make good on their promise, and give me the missing XXXX miles. They should not further string me along with the false promise that I will qualify for a larger credit line with a second application. This is 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 non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I purchased my home with XXXX Mortgage nearly XXXX years ago. I was told that in about XXXX years I could refinance the loan at a lower interest rate. In about a year of purchase the loan was transferred to Greentree Servicing. Due to medical reasons I have fallen behind a few times and have requested numerous loan modifications. I have never ever received a response to any of my request. Recently I called Greentree due to a notice of default I received. I was finally informed that my loan does not qualify for modification because it was a previous XXXX Mortgage loan. This makes no sense to me at all.

Company response to consumer: Closed with explanation