vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-09 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: NC

Complaint narrative:
I obtained a Navient ( XXXX XXXX ) Loan for my XXXX Degree from XXXX University, graduation 2010. I have been paying my monthly payment plus extra principal every month without default. I have inquired with Navient on multiple occasions as to why my loan balance does not change as expected with a 6.8 % interest rate. Once I was told after I paid the interest accrual of the loan interest my payment would be applied to principal, but that is not the case. I called another time and was told the interest was compounded daily, not monthly or yearly. I essentially pay 26 % interest on my loan. I have also been told there is no way for me to refinance my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card company, Bank of America, did not protect me from a merchant who made fraudulent misrepresentation inducing me to enter into a transaction with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was charge {$670.00} for an appraisal fee to obtain a mortgage refinance from Bank of America. After 1 day, I cancelled the loan request and requested a refund. After 8 days, the loan was finally cancelled, but only a total of {$460.00} was refunded. Bank of America retained {$210.00} of unearned funds. No appraisal was performed or scheduled.

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 2016-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America denied access to my banking account and held my funds without giving me access to my funds. Bank of America states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.

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 2015-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Frequent or repeated callsCalled outside of XXXX-XXXXThreatened to take legal action It has called my home on at numerous occasions in the last 2 weeks leaving the following prerecoreded message. " My name is XXXX from the Municipal Services Bureau. I am calling about a serious court matter that maybe of direct concern to you, and I urge you to return this call as soon as possible. Please give this call your immediate attention! You may reach me at XXXX " No information about what it is regarding and I do not have anything outstanding anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America and XXXX XXXX XXXX XXXX is blocking the refinancing of my mortgage with XXXX. Even though, I only have a XXXX mortgage with them. They are claiming I have an equity line or XXXX mortgage with them in the amount of {$93000.00}. I have never requested an equity line or a XXXX mortgage from either of these entities. Yet they are refusing to let my refinancing proceed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I requested a 12 month deferment to for my Navient student loan in 2010. I had lost my job in 2010 and this is the reason I needed to deferment. At the time I requested it they were called XXXX XXXX. I tried to contact XXXX XXXX in the 12 month. They never notified me they changed into Navient. They came back and said since a was one month over the 12 months, XXXX total that my account was sent to credit collection service called Pioneer. My loan was for XXXX. They added XXXX for the one year deferment. The total was XXXX I would owe. Navient-Pioneer said since I wnt one month over they were adding XXXX to my loan as capitalized interest for the one month over. My loan went from XXXX to XXXX. They never contacted me about the name change. Can they do this to me? Is this legal to charge someone XXXX for a month for interest. I call them and never get any answers

Company response to consumer: Closed with explanation
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: AL

Complaint narrative:
Navient has n't been very helpful at all. I set it up for them to take my payment straight out of my bank. Well after a couple of months I started getting charged late fees for no reason. I called them to check why and they told me that I did n't have it setup to get my payment taken out of my bank. I checked their website and there it was ... my bank account information was still there but they were n't taking the payments out. I called back to let them know and they continued to tell me I had to set it up on their website. I also tried to get my loans reduced after going through some financial trouble and they told me I did n't qualify. Told me the only thing I qualified for was forbearance or postponement. They have been pushing for me to do forbearance or postponement for over a year now. Well I now have several late fees and am numerous payments behind due to all the misunderstanding on their end. I do n't feel as if I should have to pay any of the late fees due to their mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
We applied online to Bank of America for a new mortgage loan on a used townhome in XXXX XXXX, Florida, on XX/XX/XXXX. Mortgage loan officer, XXXX XXXX, contacted us and began the data collection process. During the next three weeks, numerous documents XXXX financial statements, insurance, sources of income, tax returns, etc. ) were supplied to BOA on a very timely schedule. Our credit card was charged {$440.00} on XXXX XXXX for an appraisal and credit report. All the while, XXXX confirmed that the requested XXXX XXXX closing date should be on schedule. After the appraisal was conducted on XXXX XXXX, XXXX XXXX, Home Services Specialist, called to say our loan package was very clean, that he rarely saw insurance issues already covered at this stage of the application like ours were, and that not only was the XXXX XXXX closing date feasible, but that we should be able to close earlier if desired. On XXXX XXXX, we were contacted by XXXX XXXX, Home Services Specialist, to provide additional documentation. The pace of activities and responses from BOA definitely slowed down under XXXX. On XXXX XXXX she advised the leasehold on the property would be reviewed by BOA on XXXX XXXX. On XXXX XXXX, XXXX days before our scheduled closing, XXXX XXXX advised us that the leasehold approval, and thus the entire loan package, had been denied. BOA knew at the very beginning that the property was a leasehold, as are all properties on XXXX XXXX, having been given to XXXX County by the federal government in XX/XX/XXXX It is inexcusable for BOA to have taken XXXX days to report back to us that the leasehold did not meet their requirements. XXXX asked if a refund of our appraisal fee would " help '' ease our dissatisfaction. On XXXX XXXX and again on XXXX XXXX, I contacted XXXX of XXXX supervisors, XXXX XXXX and XXXX XXXX, to reconsider our application based on our excellent credit, finances, and having been a BOA customer for many years. XXXX concurred that they had " mishandled '' our application by having waited so long to review the leasehold, apologized, but still replied " no exceptions '' to their loan denial. On XXXX XXXX, XXXX called to report that the appraisal refund had been denied. I suspect they did n't want further documented evidence of their wrongdoings. Not only are we out of pocket {$440.00} and almost XXXX weeks of lost time, we have to find a new lender, incur a higher loan rate over the life of the loan and higher closing costs, disrupt our scheduled move, utility connections, insurance arrangements, and hope that the property seller is still willing to hold the sale for us. Our financial losses alone will be several thousands of dollars. BOA should not be allowed to get away with such blatant practices at the cost of the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: MO

Complaint narrative:
When I was unable to pay the amount due for my loans I contacted the Student loan company Navient for help. They pushed me to file for forbearance. I was already struggling to make payments and just wanted my payments lowered. after a few years of putting my loand in forbearance I found out about a income driven payments through a friend. After doing research I contacted my loan department and told them I only wanted to apply for the Income driven payments. After telling me I would n't qualify and telling me that I should just reapply for Forbearance I told them no I was applying for income driven payments. I applied and it was approved.

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: OR

Complaint narrative:
Attended a XXXX school for XXXX XX/XX/XXXX. We were never given cost of tuition for the course, however the loan department frequently pushed grant and loan applications at us. In the second year of school were were working entirely at our hospital locations without any campus time, yet we were still summoned quarterly to sign loan applications or face expulsion. Facing that I dutifully signed the loan applications, and six months after graduation determined I owed {$12000.00}. It was several years before I could afford paying the loans, everytime XXXX XXXX would push for deferments on the loans, even when I asked to refinance the loans, XXXX XXXX denied me, stating I had to go through them first. Then XXXX XXXX suddenly stopped talking to me entirely, instead going after my parents, being co-signers on the loan. I had n't heard whether my parent made any arrangements with them, and it has been eight years since I last heard from XXXX XXXX. However, after my father died XX/XX/2016, I suddenly began getting notifications from a Navient group, stating I was over 6 months behind on my loans, and that they had added a whopping {$30000.00} in interest to my debt, even though I had never heard of these people, and the last I heard my parents were supposed to be managing the loan by at least making interest payments. After my mother died XX/XX/2016, a company called Student Assistance Corporation sent me a single letter saying my loans were overdue, with no balance, no payment history, no explanation as to why no one had contacted me in a decade. Navient had harassed my employer to the point our human resources officer had to get involved to stop them earlier this fall, and now Student Assistance Corporation calls my home phone a half dozen times a day and does n't leave messages, nor follows up in writing with their attempted communications, nor have they sent me any other documentation beyond the one letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: CO

Complaint narrative:
I am a co-signer for my Daughters school loan. I have XXXX loans. She has been XXXX. I have informed Navient in the past that she was XXXX and that the max she could pay them was {$150.00}. It seems that they never document her account because I have had this discussion EVERY month for the last 8 months. 
I received no phone call or direct mail to inform me that a payment had not been made. 
I called to discuss that as the co-signer was not properly notified. I would bring my account up to date. That because I was not properly notified as the co-signer I request that they remove the delinquent from my credit. 
I had difficulty with the representative, XXXX XXXX # XXXX. 
1. He does not speak XXXX very well. When I asked for a fluently XXXX speaking representative XXXX was not " available '' 2. I was told XXXX different numbers that needed to be paid. XXXX ( her monthly agreement {$150.00} ). 
total bill of {$670.00} or the total bill of {$940.00}. 
3. He told me he would not remove the late payment ( remember I am the co-signer and I was not properly notified ). I asked for his supervisor. XXXX was not provided. He then told me he COULD remove it from my credit-IF I gave him authorization for auto debt from this point forward. I do n't do auto debt. There have been some complaints filed of Navient messing with peoples bank accounts that I read on line. Another concern was he told me XXXX different numbers that needed to be paid. {$280.00}, {$670.00}, or {$980.00}. The monthly payments are {$150.00} I thought about going ahead and giving him an account number if it meant removing it off of my credit. He told me in another sentence he WOULD NOT be able to remove it from my credit. 

I then got frustrated and pointed out how many times I repeated myself and had to explain things. That he was telling me XXXX different things. The amount owed and his authorization to remove from credit. Also that a supervisor was not available-but I could hear someone in the back ground coaching him? 
The bottom line was I was only able to talk to him-the communication was confusing- I was told to give him my bank account number or he would disconnect the call. 
My call was disconnected ... .... The End

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been going back and forth with Bank Of America trying to get a modification on my loan they purchased from another bank. 
I am not going to provide too much of my personal information due to he fact that I am uncertain of the security of this site. I have been telling Bank of America that my interest rate is 8 % which is way too high. I have had my mortgage for about 10 years and only {$300.00} is going to the principle of the mortgage to pay it off. I paid over {$25000.00} in interest alone to BanK of America. If this bank received bailout money from the government why is it so hard for them to work with homeowners. I have been receiving letters from them asking me to just have a shot sale and move. I have never been late on my mortgage in all the nine years I have had this house. It 's only recent that I have been have trouble with paying the mortgage and I would n't be asking for help if I did n't need it. It really is starting to cause health issues when dealing with these representatives who work for Bank of America. They sound like robots as if they are reading from a script and they are repeating themselves. Example : I made a late payment, but was still trying to get approved for the modification. The representative made a statement to me, " Well, XXXX I see that your mortgage is current so there is no need to continue the process for the mortgage loan modification ''. I was puzzled and really got upset because she is suppose to be my relationship manager XXXX. She do n't really understand nor can she speak english. It 's almost like she is really not helpful with the fact that we have a language misunderstanding. She does n't work in my best interest. I have done through this for over a year and half and recent got denied yet again. I need help and hope that their is something that can be done to lower my interest rate and mortgage payment. I barely can afford to feed my family because of the fact that we are struggling.

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: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Applied for a consolidation from XXXX Chase using a XXXX appraised property as collateral. 

I felt from the beginning they were doing things to undermine us getting the loan because of our age or ethnicity. 

First they underestimated our income so the debt ratio was over the limit. 

When we brought this to their attention they added the payment of XXXX plus XXXX that the say we are deficient in rental income to the debt again to put us back over the debt ratio. 

The debt we would have after the loan would only be our house note and the loan note that they calculated to be XXXX. 

As you can see we have sufficient income to pay the note based on the their debt calculation whether we collect rent or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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:
I got a personal loan out from XXXX XXXX ( now Navient ) around 2006, for XXXX. After receiving my XXXX, I decided I did n't need the other XXXX, so I called them to cancel the other XXXX. I never got anymore checks from them after that. But I am still being charged my full loan for XXXX. After calling them to dispute the XXXX, they said that they sent the money to the school directly, but that is not true, because it was a personal loan, so why would they send it to the school? I have check stubs from the XXXX I received. Proof that i never received the full XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is the note holder on my home loan ; XXXX is suppose to be modification status, Recently I was served notice of a foreclosure hearing for XX/XX/2016 I made several attempts to notify my BOA consumer affair agent : XXXX XXXX Manger : XXXX XXXX XXXX XXXX XXXX being I received a letter requesting additional documents etcXXXX. I notified HUD being that my loan FHA they transferred me to BOA ESCALATION DEPT. several times to no avail I filled out all requested paper work, However no one has contacted me regarding the matter. This has been very XXXX!!! Leads me to believe this is nothing but a ploy to add late fees monthly until they foreclose on my home ending in damaged credit.

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 2015-05-15 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have spoken to Bank of American concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a complaint to you against Bank of America and you sent me the following response : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. Bank of America has not explained everything or finished their response and you have not sent me an update and I am wandering if you have one especially since your statement says they have provided me with a " partial response ''.

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 2016-07-12 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: AR

Complaint narrative:
I 've requested the the servicer of my student loan Navient remove negative information from my credit report that is over 7 years from date of 1st delinquency even though it 's accurate. I 've submitted to them my credit report that shows that I was 90 days late XX/XX/2009 which is would have made me 30 days late XX/XX/2009. XX/XX/2009 is over 7 years past the date of 1st delinquency so by law this information should be removed from my credit report. Navient refuses to remove the information.

Company response to consumer: Closed with explanation