vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Mortgage company promised me XXXX dollars to sell my house as a short sale loan but did not receive the money. Also, all of the paperwork was not signed and completed for the sale of the house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: IL

Complaint narrative:
I was never given the option to enroll in an income driven plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing because I am currently about to be foreclosed upon because I am unable to sell a home I purchased in XX/XX/XXXX. I am unable to sell the home because of a fraudulent note provided by XXXX XXXX XXXX XXXX and a 10 year interest only loan I was given by Bank of America as a result. Here are the circumstances that led to my signing the note : On XX/XX/XXXX when I signed my contract to purchase my home from XXXX XXXX, the contract had a cost estimate evaluation for a XXXX Interest Only ARM ( see enclosure ). After the contract was signed, XXXX XXXX Mortgage company was unable to procure this ARM and offered me a sub-prime loan which I refused. After I found my own financing, XXXX produced a HUD 1 statement with a 30 year fixed mortgage at a 6.5 % interest rate. At the closing table in XXXX 2005, I read the settlement paperwork and instead of a fixed rate of 6.5 %, the interest rate was stated as prime plus 1 %. I was told by the XXXX settlement staff that the numbers were the same and it was just worded differently. I even called the XXXX mortgage agent at the table and she assured me the numbers were the same. I left the settlement table and went directly to a local Bank of America to confirm the loan I signed was the same as the XXXX HUD 1 statement. The Bank of America banker said it was not and that he would fix it. He produced a note that had the same interest rate and monthly payment as the HUD 1 and I simply was n't knowledgeable enough to notice it was a 10 year interest only loan ( see enclosure ). I did not learn it was an interest only loan until a Bank of America representative who was looking into a loan modification for me in XX/XX/XXXX wondered why my principal balance had not changed after 4 years of paying my mortgage. I never missed a single payment in 4 years until Bank of America forced me not to pay for three months in order to qualify for the loan modification. In XX/XX/XXXX, Bank of America gave me a 45 year mortgage with a 5 year ARM ( see enclosure ). I have submitted all of the paperwork I can find regarding the statements I made above. I called the XXXX Settlement Office to obtain a copy of the mortgage paperwork with the prime plus 1 % information but they said XXXX Settlement company destroys all records after 7 years. To add insult to injury, out of the XXXX homes XXXX sold on my block, the only XXXX families in the neighborhood ( I am XXXX ) are in XXXX adjacent houses. I was completely unaware that I had XXXX days to rescind the loan but it probably would n't have mattered because I was so unfamiliar with these bad mortgage products. 
Hopefully the government can look into this incident to keep it from happening to other consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My private student loan is with Navient and last year I got into an agreement with them for the interest reduction program and I was told after three months that the company was going to report to the credit agencies that my account is being pay as agreed. Navient is taking automatic payments from my bank account every month for the past 3 years and they still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
After my mortgage was sold to Bank of America from XXXX, my husbans lost his job in XXXX. We filed bankruptcy XXXX of XXXX and included this loan. It was discharged XXXX/XXXX/XXXX. In XXXX of XXXX, Bank of America sold my mortgage to XXXX as a loan modification. Knowing that our bankruptcy was finalized and discharged in XXXX. Now, 4 years later, we are unable to purchase a house because XXXX had our names on this property until XXXX XXXX, XXXX. How can a financial institute sell your mortgage after a discharge?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: ID

Complaint narrative:
I have been trying to get FedLoan to accept the fact that I am a XXXX XXXX student and therefore subject to an education deferment for two months now. They lost the deferment paperwork I sent in and refused to respond to my queries with any personal replies. Instead, all I received were copy and paste responses from various different people who obviously did n't read my emails. No matter how hard I tried to get someone to actually read the emails I was sending, no one would do so. I would receive threats that I would be turned over for collection and be unable to get student loans, but no help, no actual response from a human, and no one would get a manager involved despite my requests. Finally I received an email stating that they were notified that I am in school with an " Out of School '' date of XXXX/XXXX/18. Now they are claiming that they do n't have the dates. I am still being charged and receiving threats that I will be turned over for collection and denied future student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: AP

Complaint narrative:
Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: WY

Complaint narrative:
I have been pushed into multiple forbearances and now that those are over, Navient refuses to offer any type of relief. I can not pay my loans without sacrificing the well-being of my family. I work two jobs to make ends meet as it is and Navient absolutely refuses to help in any way. I am on a standard repayment plan. My balance is a little over {$13000.00} and my repayment amount is over {$350.00}. My interest rate is stuck at XXXX % and has risen on multiple occasions. Navient will not lower the rate, change my term, or assist in any way. When I tell them that I can not pay, they do not care. They inform me that there is no way to get out of this loan and they will get their money. 

I am not trying to skirt my responsibilities as a borrower. I am simply burdened by mounting medical bills that are severely reducing my ability to pay. Additionally, I paid a {$100.00} fee to place my loans in forbearance in XX/XX/2016. Navient then reported my payments as more than 60 days late in XX/XX/2016. This caused my credit score to tank. This, in turn, has raised my car insurance rate, my mortgage insurance rate, and my credit card rates. I am being screwed over by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America. XXXX. {$2700.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. Account paid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear Sir/Madam, We are XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged our XXXX XXXX credit card XXXX amounts of {$1400.00}, altogether was {$2800.00} without our consent. The story was : On XXXX XXXX, 2015, We used our XXXX XXXX credit card booked and paid for XXXX round trip tickets from XXXX to XXXX for {$1000.00} each through XXXX. 
The round trip ticket shows, we fly with XXXX from XXXX to XXXX and fly back by XXXX XXXX. 
On XXXX/XXXX/2015, We boarded and flied with XXXX was fine. The return trip on XXXX/XXXX/2015 with XXXX XXXX which check-in and boarding was smoothly, they DID NOT said any thing wrong with our tickets. until we checked our XXXX credit card statement. We found out XXXX UNAUTHORIZED charges of of {$1400.00} each, altogether is {$2800.00} by XXXX on the date we flew back from XXXX to XXXX on XXXX/XXXX/2015. These return trips were included in our PAID round-trip tickets. Why they charged us again for the trip we already paid for. 
First We called XXXX XXXX to complain about XXXX unauthorized charges, they said we need to contact XXXX XXXX to solve these problems, which We did. 
After weeks of complain with XXXX XXXX, on XXXX XXXX, 2015, they only credited us XXXX of {$530.00} XXXX Refunded XXXX money of round trip ticket? XXXX. We think the XXXX credits of {$530.00} were NOT the right amounts which XXXX unauthorized XXXX charge of {$1400.00} each, still {$1800.00} short. 
On XXXX XXXX, 2015, We sent registered mail to XXXX XXXX to complaint about their credits to us were NOT right amounts, but they replied " Was unable to obtain credit to our account ''. These were really unfair practice of Bank of America to their customers. PLEASE help us to get back our hard working and saving money back. 
Thanks for your reading time and helps. 

Sincerely. 

XXXX XXXX and XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was misled when I acquired the loan to help pay for my education. The interest rate was suppose to a constant rate however it has fluctuated over the years. A then XXXX loan ended up being over XXXX due to interest rates and forbearance. No options were given to pay at a lower rate. Instead they have given me higher monthly payments that I can not afford. The reporting of this loan is hindering me from purchasing a home. It has now been sold to another company that I am now making payment to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: CA

Complaint narrative:
I ca n't remember when I even took a XXXX XXXX loan ( before XXXX ) but I had n't gotten any request for payment for years and in XXXX I filed a chapter XXXX and a XXXX XXXX amount of about $ XXXX was included. In XXXX I was diagnosed with XXXX and went through XXXX and 6 months of XXXX. I successfully completed my 5 years of chapter XXXX payments in XXXX of XXXX and all of a sudden today I received 6 emails from a company called Navient saying I owe $ XXXX to someone. I will not pay this ... .I did n't owe it to begin with and I completed XXXX and chapter XXXX. Please STOP these people ... .they are evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Synovus Bank
State: CA

Complaint narrative:
on XXXX of 2015 I had purchase a copy of my credit report and noticed that few items on that report that did not belong to me. included I n those items was a credit card from first progress credit card. I had disputed this account with credit bureaus and also i sent to first progress a letter stating to them that this account dose not belong to me. as of this date I have not received not even a phone call from first progress. I am here to get your help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Green Square Company LLC.
State: MI

Complaint narrative:
Was mixing up the date the. Loan was take. OutHung up on me many timesRefused to sent me a written notification of collection or bill until I gave personal banking info for payment. Debit was over 5 years old. Never on my credit he said it went to XXXX different collection accounts

Company response to consumer: Closed
Consumer complaint received 2016-12-31 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Synovus Bank
State: FL

Complaint narrative:
On XX/XX/2016 my bank ( Synovus XXXX XXXX XXXX XXXX sent me an e-mail stating a check I had authorized was not cashed ( as the date had expired ) so my account would be credited. 
On XX/XX/XXXX I called said bank ( talking to XXXX in customer service ) advising that my acct was closed so they would have to issue me a direct check. She was to call me back. 
On XX/XX/XXXX I called again as they did n't & talked to XXXX explaining all. He said check would be a re-issued within a week. 
On XX/XX/XXXX I called again & talked to XXXX who said check was sent to my former address on XX/XX/XXXX. Said would re-issue to my new address. 
I still do n't have my money!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: MI

Complaint narrative:
I have received numerous phone calls for a fraudulent payday loan and have called my employer, my home and in laws. I have told the company this is in error and they have threatened to take me to court etc. please address this situation. The phone number they call from is XXXX and they said they are from the XXXX

Company response to consumer: Closed
Consumer complaint received 2016-09-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
HELLO, I TOOK OUT AN AUTO LOAN BACK XX/XX/XXXX WITH SANTANDER CONSUMER. THE LOAN WAS FINANCED AT {$13000.00}. OVER THE COURSE OF THE LOAN I HAVE HAD LIFE ISSUES AND HAVE PAID PAYMENTS BEHIND, TAKEN DEFERMENTS AND WENT THROUGH A PAYMENT REDUCTION FOR A SHORT PERIOD OF TIME TO HELP ME. AS OF XX/XX/XXXX I HAVE MADE XXXX PAYMENTS OF {$390.00} WHICH IS A GRAND TOTAL OF {$20000.00}. I WAS TOLD THAT THE BALANCE STILL DUE WAS XXXX AND THAT NONE OF THAT MONEY WENT TO THE PRINCIPAL BECAUSE OF PAYING BEHIND. I HAVE ONLY RECEIVED THE STATMENTS REGULARY IN THE MAIL. I HAVE NO PAPER WORK TO SHOWING EXACTLY WHAT THE FUNDS WERE ALLOCATED TO. I WAS TOLD THAT THE ACCOUNT WOULD BE CHARGED OFF ONTO MY CREDIT. I HAVE MORE THAN PAID FOR THIS CAR THAT IS CURRENTLY WORTH AROUND {$3000.00} AS THIS WAS A XXXX NISSAN. THE CAR WAS N'T EVEN BRAND NEW WHEN I GOT IT. I BOUGHT IT FROM XXXX XXXX LOCATED IN XXXX, GA. I WAS TOLD THAT THEY NO LONGER DO BUSINESS IN XXXX, BUT IN XXXX. BOTH LOCATIONS WERE SOLD TO MY SUPRISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
Went to XXXX XXXX, XXXX, AL on XXXX XXXX, XXXX to try to purchase a car. The salesman conducted a payoff verification via phone, and a Santander Consumer USA representative divulged other account information to the salesman in addition to the payoff. Consumer contacted Santander Consumer USA and filed a complaint, immediately. Today, XXXX XXXX, XXXX, a representative from the Santander 's president 's office contacted me to state that there is no record of anyone from the office verifying a payoff on my account -- clearly, a bald-faced lie. Consumer witnessed a telephone call of the salesman that lasted 10 minutes, and the salesman revealed the information that was written down on a piece of paper. Where did this information come from? Santander is trying to " wash its hands '' of this privacy violation. 
Santander is claiming no such transaction took place, and it has completed its investigation. No action will take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I am still waiting on a response from Case number : XXXX in XXXX 2016. Santander uses the excuse that the loan was modified. However, Santander has failed to provide any updated documentation that the loan was modified and due date extended. Nor has the loan maturity date on my monthly statements updated to reflect what Santander is " communicating ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Loan Science, LLC
State: NJ

Complaint narrative:
My loan payments are current. They are calling me and the co-signor every XXXX minutes from morning until night. When I do answer the phone and talk to them they see that I am current and state that it is a " glitch '' in the system. However they are still calling every XXXX minutes to both of us and this has been going on for at least 3 weeks now. I am getting ready to call an attorney. Please help. Thank youXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Cornerstone Mediation LLC
State: CA

Complaint narrative:
I was contacted XXXX XXXX on my work phone and cell by Cornerstone Mediation. They contacted me about a loan I took out almost XXXX years ago. They said that they filed with the XXXX XXXX court and wanted to serve me papers if I did not call them back to setup payment arrangements. The next day after looking up the business online to see if it was a legitimate business and checking to see if there was a suit filed against me, which there was not, I checked my credit report and found nothing from this business was on my account. I reported them to the Better Business Bureau on XXXX XXXX 2015. I contacted the BBB today and XXXX who is handling my complaint told me that she sent out XXXX letters and has called with no response. I called as well and got a voice message saying " the person you are trying to call is not available '' another red flag. XXXX then told me to report to the FTC. The Business is : Cornerstone Mediation, XXXX XXXX XXXX, XXXX, New York XXXX. The toll free number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
When my car was repossessed, I never received a " Notice of Disposition '' to notify me where and when the automobile would be auctioned off. Also, I never received a " notice of intent '' within 15 days prior to the auction sale. Under California laws, The lender is prohibited from attempting to collect a deficiency balance under these conditions.

Company response to consumer: Closed with explanation