vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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: UT

Complaint narrative:
My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX placed an inquiry on my XXXX credit bureau which needs to be removed It is lowering 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
Consumer complaint received 2017-01-27 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 have been charged extremely high capitalized interest to loans in times of hardship and I believe the interest rate is extremely high. Please help me. I owe nearly twice the amount I borrowed even though I have paid for years. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Our mortgage if with XXXX. The servicer is XXXX. loan services. Our mortgage is in default but we have taken every step to rectify this mortgage. We no longer have any car payments, credit card balances or tuition payments. We only have our mortgage which we are trying to modify with SPS. They have to date given us no options even though our monthly gross income is over XXXX. Per the suit filed by the XXXX Treasury XXXX was to have programs available for homeowners such as us. They have never made the XXXX attempt to talk to us about our situation. 
We are asking for any assistance from you that would help us stay in our home. 

Thank you. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15 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: CA

Complaint narrative:
Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows " processing '' but does not show " posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the " available balance ''. CS rep stated that I need to click on " account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the " real '' available balance '' ) In " account balance history '', shows that it is still " processing '' but it has been deducted from my " available balance history ''. How are there XXXX available balances? If BofA is going by " available balance history '' why not show it along the statement page? The " account balance history '' shows the " statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: KY

Complaint narrative:
Confirmed IBR application and amount to be deducted for XXXX loans prior to XXXX 2016 payment due dates. Despite IBR approval, ACS deducted the full regular amount for XXXX loan -- being almost {$400.00} more than authorized. ( Deducted {$540.00} despite IBR payment owed {$160.00} ) I called and was told it would take XXXX days to issue a refund. I complained and they said they would expedite the refund. The payment was automatically withdrawn from my bank account on XXXX XXXX. I was told they would expedite the refund on XXXX XXXX and mail -- not refund directly to bank as I requested -- a check, but it 's now XXXX XXXX and I still have not received my refund. They adjusted the payment records on my account, but the money has n't been refunded. They 're charging me interest on that loan but keeping my money. 
Also, they incorrectly reflected my IBR payment for that loan. Now my account has the incorrect amount listed as the IBR amount owed. It shows both accounts being the same payment, when the corrected amount authorized by IBR was a few dollars higher. I do n't want to get a bill at the end of the year for the overage due to their mistake, again. 
{$400.00} could mean rent, car payment, food, etc. They are keeping my money -- interest free -- for over a month despite admitting they took too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
We did not receive notification that our escrow amount had been recalculated due to changes in local tax rates, etc. so our XXXX 2015 payment made XXXX XXXX, 2015 was {$140.00} below the new amount. After receiving a phone call from the company 's debt collection department on XXXX/XXXX/15 we promptly sent out the additional {$140.00} we owed via bill pay through our bank. We called to confirm receipt on XXXX/XXXX/15 and were assured that the problem had been corrected. We continued to receive debt collection calls on XXXX/XXXX/15 and XXXX/XXXX/15 despite believing that our account had been made current. During the call on XXXX/XXXX/15 it was determined that our original XX/XX/XXXX payment for the incorrect, too low amount had been applied to principle and our account continued to show that we needed to pay again to be current. The customer service agents said that they would submit a request to have the prior payment applied correctly for the XX/XX/XXXX monthly payment instead of principle and we were given a timeframe of 7-10 days for the process to be completed. On XXXX/XXXX/15 we received a letter in the mail dated XXXX/XXXX/15 stating that our account continues to be past due and that we would be reported to credit bureaus if we do not pay the outstanding balances immediately. Representatives from the customer service department on XXXX/XXXX/15 stated that the letter was sent due to the erroneously applied XX/XX/XXXX payment and that the timeframe for reversal of the payment and correction of the issue would now be 35 business days. They could not provide an explanation of why the new time frame was so different from the previous time frame. They state on the phone that we will not be charged late fees or have negative reports on our credit report, but we have no documentation of this or real assurance that this will actually be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On or about XX/XX/2016, I contacted Navy Federal Credit Union to be prequalified for a VA mortgage. Based on the answers to the questions they asked, I qualified for the loan. After locating a home, I began the process of securing the loan. After all of my documentation was submitted to Navy Federal Credit Union, the loan was on track to close but then was supposedly denied due to non-traditional income because I am a truck driver. I am paid by the mile not hourly. I do not work for myself but receive a XXXX from my company. The Navy Federal Credit Union representative I was working with told me that I was turned down for the VA mortgage but they could switch me to a conventional mortgage. I asked for a letter stating there determination and reason but have not received one. Going conventional meant the interest rate went from 3.375 to 5.5 for a 30 year fixed rate mortgage. Virtually doubling the rate. Needing to close the mortgage because we were already living in the home, based on Navy Federal Credit Union assurances we would close in XX/XX/XXXX then XX/XX/XXXX, after switching to conventional, we finally closed XX/XX/XXXX. I do not feel that I was treated fairly, after consulting with other lenders and that Navy Federal Credit Union should have been able to determine my eligibility for the VA mortgage before having me invest a tremendous amount of time in the process and moving into the home based on their assurances. Sounds like bait and switch to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: GA

Complaint narrative:
I am a victim of student loan identity theft. Navient has contacted me repeatedly and reported this on my credit. Navient claims that I have cosigned on a student loan. I have never taken out a loan or cosigned for one. When I informed Navient of this they sent me identity theft paperwork to compete and notarize. I did this and returned it to them complete with a police report and handwriting samples. Within one week Navient stated that " after carefully '' reviewing '' my info that they could not substantiate my claim. Review is not the same as investigate. Identity theft should be taken seriously by this agency and proper due diligence performed. The collection harassment and negative credit reporting persists. I do not even have copies of the forged loan documents. I have attached the lettters from Navient as well as my latest response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: NJ

Complaint narrative:
i made a large payment and had ask to be place on the higher interest loan and they said no problem.Then i received the statement and they place the amount on both loans, I called and tried to have them fix the problem and was told they cant do that and i had no recoarse so i ended up paying more interest to sallie mae wjich was unfair

Company response to consumer: Closed with explanation
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: MD

Complaint narrative:
Previously requested lower monthly payments but have been unsucccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I obtained a mortgage with Countrywide Home Loans now Bank of America.That mortgage was for {$120000.00}. In XX/XX/XXXX despite having made all my payments they filed an action for foreclosure in XX/XX/XXXX. I obtained a refinance from another company XXXX XXXX which will be the subject of another complaint as XXXX did not pay-off Countrywide despite having received 4 years of mortgage payments from me. After 5 years of working my way out of chapter XXXX then chapter XXXX bankruptcy in order to keep my loan I finally made it into a loan modification program. Of course in order to foreclose on me Countrywide/BofA filed phony paperwork, with forged signatures etc. etc. I did hire bankruptcy attorneys. I working contract did not work for three months. I started a new job XX/XX/XXXX. I notified my attorneys and also Countrywide that the first payment would have to wait until I got paid. I not actually being a career criminal like XXXX XXXX, have to wait until I got paid. Countrywide/ BofA refused to disclose to me the amount of the principle that I am required to pay. They are arrogantly demanding that I somehow acceed to their crazy XXXX demands for payment on their terms. I say this as BofA received billions of dollars in bail-out money despite using fraud to 1 ) Give mortgages to anyone who had a pulse 2 ) And throwing XXXX Americans out of their homes 3 ) No one in BofA/Countrywide ( XXXX XXXX ) has ever been criminally prosecuted for their financial crimes. Now I think Countrywide is demanding $ XXXX.Countrywide refused loan mediation demanding that I pay for it. I say I think because Countrywide has never given me paperwork. I would like to be a company that can flout the law, take a {$120000.00} mortgage and turn it into a {$250000.00} debt, never be prosecuting for their crimes, destroy people 's lives and never have to be held accountable. I would like to be a company that has done more to foster XXXX by tearing apart families, throwing people out of their homes, than any " XXXX '' alive or dead.I have worked my entire life, bought a house when I was XXXX. I have endured years of gender discrimination against women by working in XXXX.XXXX. And have had to spend years in court trying to keep my house which leaves me at the age of XXXX living in financial poverty despite having been a high earner my entire life. I have spent a small fortune on lawyers ( which says a whole lot about their competency ). I would like Countrywide/BofA to actually take the loan modification seriously and work with me to reduce the principle.I would really like people to be prosecuted for financial crimes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
The Company called me saying they are Attorneys and would not send me a validation notice in the mail so i can see if it 's my debt they were very rude! They even open up a new account on my credit report! ..How is this legal? They did n't verify that it was my debt and they would n't send me anything in the mail from the company that the debt was from! I 'm a XXXX Veteran and I think it 's a shame these Debt Collectors can get away with this!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: ME

Complaint narrative:
I recently applied for income based payments with Navient which was required by employer to enroll in forgiveness plan. I have been in this plan for just a few months and was paying what the account said I owed. This morning I received a 2nd deliqunecy notice ( though I never had a 1st, or had any money owed reflected on my account until this morning ), sta. I spoke to a rep this morning, and was told this was an old deliqunecy, but could n't explain why I was just recieving notice of it now, nor could she really explain why this never showed as money owed on my account. She offered forbarence as a way to make my account up to date, which seemed my only option, for understanding where this money owed was from did not seem available. The rep seemed unwilling to get to the bottom of this quandry and found a quick fix to get me off the phone. Up to this point I have not had a problem with my student loans, but this seemed quite troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: NM

Complaint narrative:
XX/XX/2004 my total student loans were approximately {$30000.00} total, for some technical training and XXXX school. I was able to consolidate them into XXXX loans with XXXX XXXX, which became Navient. I went through a few periods of unemployment over the years and was NEVER counseled that there were income based payment options. As a result, due to deferrments and forbearances, yet paying consistently at all times when I have been able to do so, my total loan amount 13 years later is now closed to {$50000.00}. I would have been more than willing to pay off these loans of that were possible. I 'm certain I 've paid enough to cover the original principal amounts, but with the way interest is compound, payoff is impossible. I will be XXXX years old this year. I work at XXXX, which might as well be referred to as a fixed income - no raises, higher cost for benefits and so on. I struggle with XXXX, and have for decades. Between my illness, this debt, economic issues and the lack of service from XXXX XXXX / Navient I continue to live paycheck to paycheck. Enough already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have discovered the enclosed Assignment of Mortgage on my loan was robo-signed by serial robo-signer XXXX XXXX. 
Robo-signing is illegal in the State of New York. Therefore, making the robo-signedAssignment of Mortgage on my loan fraudulent. Mortgage Line Financial Corp., aNew York Corporation did [ n ] ot exist on XXXX XXXX, 2011 and XXXX XXXX was [ n ] ot an employee ( Assistant Secretary ) of Mortgage Electronic Registrations Systems, Inc on that date. 
Mortgage Line Financial Corporation was also [ n ] ot licensed or registered to operate in the State of New York according to the New York State of Department of Financial Services ( DFS ) on XXXX XXXX, 2011, whom can be reached for verification of this fact at ( XXXX ) XXXX or toll-free ( XXXX ) XXXX ( Monday through Friday, XXXX XXXX to XXXX XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX were disputed and deleted from my files back in 2013 and last month they were re inserted to my credit reports. I disputed the matter with XXXX and Equifax. I explained to them the situation and they told me they would take this matter to a manager and have it immediately removed but instead I have waited over 30 day for a response from them and now knowing this information was deleted they said the results of my investigation says it belongs there. that means that they did not investigate throughly and the credit management at Equfax is not doing their job properly.

Company response to consumer: Closed with explanation