vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Mulitiplea times when i was promised forebearance it was not applied and to this day still negatively applies ro my credit report. I was unable to make payments unless it was an automatic deduction because the system didnt support 1 time payments, making me late. Also the amounts have not been allocated properly. Also the school i went to was closed down and has no accredidation but im still paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
On XXXX XXXX, 2015 I CLOSED my Bank of America credit card account. On XXXX XXXX, 2015, and XXXX XXXX, 2015, Bank of America accepted and posted charges to the CLOSED ( statement attached ). I called Bank of America on XXXX XXXX, 2015 and spoke with XXXX XXXX who identified himself as a supervisor in the dispute department. I informed XXXX XXXX the account is closed and I also informed him that no company is authorized to post charges to the account. XXXX XXXX refused to accept a dispute of the charges and advised Bank of America will continue to post these charges to my CLOSED account. He further advised that it my responsibility to work with the vendor to have the charges stopped. I repeated my statement to XXXX XXXX that the account is closed and as of XXXX on XXXX XXXX, 2015, Bank of America has been informed that no company is authorized to bill the this CLOSED account. XXXX XXXX again refused to accept the dispute and again repeated that Bank of America will continue refusing to honor the closing of the account and will continue accepting these charges and posting them to my CLOSED account in spite of being advised the charges are not authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: CA

Complaint narrative:
I have XXXX separate student loans, XXXX federal and XXXX private. I 'm have paid & gt ; {$500.00} a month for 10 years and still have $ XXXX. I have had financial difficulties at the moment and was making partial payments. I have been getting calls every hour everyday from Navient. I have asked many times for a payment reduction but they will not work with me. It 's very hard to be a single female trying to work, pay rent and all other bills and have no help from XXXX Loans. I have already paid the loan amount and more but they wo n't work with me and are now harassing me all day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: SD

Complaint narrative:
I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated XX/XX/XXXX from XXXX University. XXXX closed their doors officially XX/XX/XXXX, and they have given me the run around on why their doors were actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: OH

Complaint narrative:
I have spent years trying to work with XXXX XXXX and now Navient to pay an affordable monthly payment. I can not understand how they can base my required repayment on my gross income amount, without taking my monthly expenses in to account. If I received and my gross monthly income, I would n't be in this situation. I 'm exhausted with the process of submitting paystubs and paperwork, only to be sent a Repayment Plan in an amount that I simply can not afford. I originally borrowed about {$26000.00}. As of this date, they state that I owe over {$40000.00}!! I 've requested forbearances because of their unwillingness to work with me to provide an affordable monthly payment. These forbearances only accrue outrageous interest, which in the end, does nothing at all to help me payoff this loan. In this economy, why should I be paying over 7 % in interest?? This is unfair, nefarious, greed that has ruined my credit and caused many sleepless nights. I feel like they have me just where they want me and as long as they can play this evil game, they can continue to accumulate thousands and thousands of dollars. I truly need your help to stop this abusive behavior because I have no idea how to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has done everything but, review my loan for modification under the federal government 's program with correct information. I filed the modification paperwork with the bank last year. Each time I filed they found some made-up excuse to decline the modification. My last review for modification was successful and they granted me a modification however they used absolutely wrong income to process the modification. Ever since then I have tried my best for them to corrected and they are refusing to do so. The most recent excuse is that they have used my son 's ( who is a non-borrower contributor ) 100 % gross income as my household income because I did not provide them with a contribution letter. That is absolutely false. I provided to the contribution letter to them in XXXX 2016 and since then I have given them everything that they have asked for. I 'm attaching a copy of the contribution letter with this complaint. I 'm asking you to help me correct these numbers so this way to correct modification can be granted and I wo n't lose my home.

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 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX Bank of America began foreclosure proceedings on our home at XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX. We fought the foreclosure but lost and our home was scheduled to be sold at auction. We were contacted by Bank of America before the sale and given the option to enter into a loan rehabilitation program that would allow us to keep our home and get out of foreclosure. The program was for the year XXXX and at the end of the year our original loan would be modified from XXXX to XXXX but the interest rate would remain at 9.99 %. We successfully completed the program and our loan was transferred to XXXX. We have been making our mortgage payment on time for the last four years. We recently attempted to get a refinance on our home and were told that we did n't own it. County records showed that our home was actually sold at auction while we were in the rehab program. The deed to the property is not in our name but the mortgage note is. We were told by lawyers that we are essentially renting our home and could legally be evicted at any time and still be held responsible for the mortgage note. We contacted XXXX to attempt a resolution to this issue and were told the best they could do was put the deed back ion our names after we had finished paying off the note. The lawyers told us the best solution would be to file a complaint with the state and the state referred us to 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 2016-04-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have had a mortgage on my home since XXXX. Have arranged with my bank to make automatic payments since the loan 's inception. Received a notice two weeks ago of " Intent to Foreclose '' from Bank of America. I had been aware that BOA had bought out XXXX ( my lender, originally ) in XXXX, but was told all account numbers would stay the same. My loan was serviced normally, until XXXX XXXX, when BOA returned my payment to my bank. DId the same in XXXX. No explanation why, no letter, no phone call, nothing. I did not even notice this action until the Intent to Foreclose was received. In fact, BOA has never communicated with my husband or me, by phone, mail or other. For the last couple of years, we have had to call to request our mortgage tax form. 
Although I faxed copies of my bank statements showing timely payments and the return of these, I have still not received any communication from BOA ... ..and I worry about the effect of this action on my husband 's and my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed my accounts without warning, and provided my documents advising me of this to my address from over 5 years ago. That is not what was in their system at the time they closed my account. Second of all the Representative on a recorded line advised me they closed my accounts in error, due to the my debit card being replaced in ERROR and marked as fraud by a customer service rep. When asking the manager about it. They apologized and said they would re issue me another card, Weeks later i find out bank of america deny all my claims on my checking account, and instead locks my account for 3 months with money in it. Slowly draining the account down to XXXX Dollars. When trying to call Bank of America for a response, or a resolution to this matter since i do believe after being told by numerous representatives that my account was closed in error. I was told they ca n't reopen my accounts due to the Bank having me on a " Hotfile List '' That i should speak with the CFPB instead and advise them that the accounts had numerous research charges, not only that but i was told that because the account was marked as fraud in error by THEIR Customer service AGENTS. That i would no longer be allowed to open an account at Bank of America. Now when i call i am told, Sorry it was a business decision we do n't have to help you. I was never a bad bank of america customer, Maybe i went through some financial difficulties at one time. That 's not the reason the account was closed though.

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 2015-09-02 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: FL

Complaint narrative:
Bank of America once again held onto a check purposely until my account had low/no funds, then put it through. It was for {$2.00}. They charged a {$35.00} fee AND refused to honor the check and pay the creditor, a pharmacy. Therefore I will incur another fee from the creditor. My income is fixed and only {$1200.00}. 

In addition, my direct deposit which was available the XXXX last month, was not made available this month. As of today at XXXX, it still isnt available. This is also done on purpose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03 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: MD

Complaint narrative:
In XXXX XXXX, I fractured my acetabulum. Since then, I 've had XXXX XXXX that the last XXXX in XXXX XXXX resulted in a total XXXX XXXX. Since my XXXX, I have tried to get help with XXXX XXXX/Navient to help alleviate the XXXX of my student loans since I have been unable to work consistently since XXXX XXXX. For the first year, XXXX XXXX/Navient has provided me with the only option to do a forbearance, but that is only beneficial for temporary circumstances. This has been an ongoing, XXXX problem. I 've applied for XXXX which has been denied and I have also filled out documents to try to get a lower repayment option which has also been denied. With these denials, I receive letters stating that I have been denied, but when trying to contact the individual who signed these letters, I never receive a call back or a return e-mail. It seems like once they sent out the denial letter to me, they cut all ties with me. I have received no help with my repaying my student loan by XXXX XXXX/Navient and I 'm still unable to pay back these loans as I 'm recovering from a XXXX. I 'd like to know what to do because I do n't want my credit to be affected, but this has been a problem and I feel that XXXX XXXX/Navient should be able to help me with my loans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-24 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: WV

Complaint narrative:
I have about $ XXXX in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, XXXX XXXX XXXX XXXX failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. 
By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XX/XX/XXXX-XX/XX/XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XX/XX/XXXX-XX/XX/XXXX timeframe since I was already behind during those months. 
Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with XXXX 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: AL

Complaint narrative:
I have filed a complaint against this company XXXX already for not receiving proper notice and now this medical debt is on my collection report. I faxed a direct dispute on XXXX XXXX, 2015 that was never responded to. I spoke to a XXXX on XXXX XXXX, 2015 who stated the letter was never sent to the dispute department, it was just " sitting ''. So after many calls and filing complaints this company has attached a letter stating it was mailed on XXXX XXXX, 2015 in response to the direct dispute. 

PLEASE PULL PHONE RECORDINGS FROM XXXX XXXX, XXXX XXXX AND XXXX XXXX when I was informed the dispute was never sent to the dispute department. 

Please read the attachment as it stated alleged dates of when notices were sent. More importantly, please read where it states " enclosed is a copy of the XXXX claims summary ''. The letter was DATED FOR XXXX XXXX, 2015 however, the XXXX summary is dated for XXXX XXXX, 2015 with the employers ID. 

Therefore, if the letter is dated for XXXX XXXX, 2015 AND in the letter it states ENCLOSED IS A COPY OF XXXX CLAIMS SUMMARY .... that claims summary should be dated for XXXX XXXX, 2015 as well. 

As stated in the lawsuit filed by CFPB, this company failed once again to respond to a direct dispute in a timely manner. The phone recordings prove the dispute was never sent to the correct department. Not only did they fail to respond but falsified the information in response to my dispute. This should be a serious violation and I will purse a lawsuit based off the FDCPA if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While applying for a personal loan in XXXX XXXX, it was discovered that Bank of America never released the lien on my mortgage. According to the letter they sent me, this should have occurred in XXXX XXXX, when I switched to XXXX XXXX XXXX XXXX. After numerous phone calls from me, I was given a request # XXXX. Bank of America eventually determined that XXXX XXXX Mortgage, who had previously held my mortgage, was out of business and Bank of America was trying to get someone to sign off on my loan. I have been calling weekly and waiting for something to happen ever since. I have been given several names of agents supposedly in charge of my case ; the names change frequently. The latest name I was given on XXXX XXXX, XXXX was XXXX XXXX, but other names I 've been given are XXXX XXXX, XXXX XXXX and XXXX XXXX. However, I 've been told I can not contact these people directly. My message is supposedly passed on by whichever operator picks up my call. Considering I 've never spoken directly to any of the these people, I have to wonder. It has been extremely frustrating dealing with this bank and as of yet, the lien is still not released. It 's a good thing I was n't waiting to sell my house tomorrow. It has been XXXX months and I 'm still waiting!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XXXX XXXX, 2008, Countrywide Home Loans , Inc., a subsidiary of Countrywide Financial, sold Countywide Home Loans Servicing, another subsidiary, to NB Holdings, another subsidiary that was wholly owned by Bank of America Corporation. Bank of America Corporation paid Countrywide Home Loans , Inc., for this sale by issuing it a note for XXXX. Countrywide Home Loans Servicing was the actual subsidiary of Countrywide, that serviced almost all of Countrywide 's mortgage loans. 

Bank of America Corporation assigned a mortgage without the note twice to its own foreclosure department by hiring and using XXXX XXXX, XXXX to twice to fabricate XXXX Assignment of Mortgages within six months of one another, which is impossible to FOR VALUE RECIEVED to happen twice, when supposedly the FOR VALUE RECEIVED already transpired. 

Open both attachments!!!

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: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I recently received a fee for an item that was paid XXXX/XXXX/16 from my Bank BB & T, even though I had and still have more then enough in my checking account to pay the check. The system in which BB & T executes their overdraft fees is very suspicious. 

The person at customer service at BB & T said I received the fee because on XX/XX/XXXX the check was sent for payment. Not only did I have enough in my account to pay the check, but I also had a cash direct deposit that morning and another XXXX/XXXX/16. Throughout the weekend I used my debit card watching to make sure the funds were still available and even made a deposit Saturday morning just in case. The banks methodology is that throughout my transactions that weekend, all of my " debits '' worked against me and I did not receive credit for my deposits reasoning their over draft fee but that seems very in genuine ; all while not being notified that a check is posting to my account. Instead it posts 3 days later along with an overdraft fee. 

First, if the bank wishes to apply the charge on XX/XX/XXXX rather then XX/XX/XXXX I feel that should have been reflected on my account that day and not XX/XX/XXXX, since, as stated my account could handle it. Hiding this information has no real substance other then keeping the consumer in the dark in order to have them slip up. Also, their " voodoo '' accounting of what counts for that day and what does not sounds very heavy handed in order to reach an outcome in which they profit. As their customers, we deserve some visibility to situations happening with our accounts, and deposits should carry as much weight as debits, even if they are " pending ''

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