vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
the issue is with countywide mortgage in 2007 my mortgage jump from XXXX to XXXX without being told or to send me a letter.i been fighting this over 5years i sent papers to countrywide asking way this is happening? never got true answer they gave me the run around someone in customer service told me if i dont pay the XXXX that they wold foreclose on my home.at the i didnt know countrywide was being indicted for mortgage fraud then i received a letter from bank of america to send my payments to them when i them that countrywide had overcharge me they didnt want to here that they didnt help.i always thought my family would be protected by the GOV.having a FHA loan.i fill like CFPB didnt give my family the help we deserve.I ) ve even sent a letter to the C.E.O Mr.Mahayan of BOFA never got a answer back.I would love to a refund from due to countrywide mortgage now own by BOFA to pay back for the overcharging.they gave me explanation of why countrywide went up on my mortgage am total disable now.couldnt afford to pay this extra XXXX ieven contacted XXXX XXXX news asking for help.i hope and pray that my family will get backthe benefits owe to us.Am gon na give to CFPB my mailing address and my loan # with countrywide mortgage now BOFA i have the same account # is XXXX my address XXXX XXXX XXXX XXXX phone # XXXX please call or write if you need more info.PLEASE HELP XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I was give a XXXX month reduced payment plan by Navient representative of direct payment from my checking account. XXXX XXXX payments where deducted from my account when I called Navient rep to inquire why XXXX payment was not deducted I was told the original rep had made a mistake and that I needed to start making full payments I asked why I was not notified and only to be told they where sorry. I feel that because they agreed to reduced payments and deducted XXXX months of payments that not honoring the remaining XXXX months is a breach of contract and would like to know if legal action can be a course of action?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 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: SC

Complaint narrative:
I am the co-signer on XXXX of my daughter 's school loans. Navient is now the holder of these loans. There was confusion about a payment ; Navient said they had n't recieved it - my daughter knowing she paid it. During the interim, Navient called my cell phone every XXXX minutes or so from rotating numbers all day long for two or three days until she finally got everything sorted out. I sent a certified letter telling them not to contact my via my phone any more but rather only by the US mail, noting that their rotating call system was harassment rather than debt collecting. They sent me a response telling me they could call me anytime they wished ; that if I spoke with them, the calls would stop for that day only ; and that they are not subject to the Fair Debt Collections Practices Act. This was signed by the Private Credit Ombudsman 's Office. In other words, they will continue the next time there is an issue to harass me unless I answer their calls and even then there is no guarantee that the calls will stop. Further, they are saying they are exempt from the FDCPA and I have no recourse but to be harassed by them.

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

Complaint narrative:
We paid our loan via electronic payment through their website. Navient said that they received on their website, I called them to make sure they received it and they said yes. they then sent me a bill saying i missed my payment. the next month they charged me double. I made the payment and the same thing happened. they then said that they would fix it by just moving the payments to the end and i agreed to this, but in so doing they increased my payment. I think this was very unfair and filed the complaint. I then started to make the payments from my bank to them not through their website, I filed a complaint through the government student loan department. This caused alot of stress to our bank account and our family, though no fault of our own. I think their online bill pay service was intentionally faulty so they could charge the additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 
2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 
3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. 
I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX and Bank of America is trying to put an Escrow on the account for taxes. I sent the taxes and they sent them back because an period was n't right place on the check.They sent it back to me to fix it. I did but forgot to mail it back because my daughter was founded to have XXXX she was our first choice to see about she was very sick. when I did set down to read mail, I answer, called themt and paid the taxes. when I got ready to pay the mortgage they put and Escrow on the account. All the rest of the taxes is paid and insurance is paid up. We have never been late on mortgage, taxes behind in insurance, For fourteen years they left my wife off the contract, I mean the buyer contract. I want her name on our contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A Quit Claim Deed was filed on XXXX/XXXX/2014 from a third party foreclosure buyer of an HOA foreclosure to deed the house to The Bank of New York Mellon F/K/A The Bank of New York, as Trustee for the Holders of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The Bank of New York Mellon has refused to acknowledge the Quit Claim Deed and has not accepted ownership of the home located at XXXX XXXX XXXX, XXXX, FL XXXX. The house was abandoned by the homeowner more than three years ago and is an eyesore and danger to the community. The pool in the backyard is black and disgusting and remains uncovered and unsecured. The fence surrounding the backyard is in a state of disrepair. There are black stains covering the outside of the house, and the lawn is unkempt. The pool is a breeding ground for mosquitos which is a threat of disease for the residents in the area. There are small children that live on the same street that have not been allowed to play outside due to the parent 's fear that they will somehow access the backyard of the home through the dilapidated fence and gain access to the black pool and drown without anyone knowing.

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 2016-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am in the process of consolidating my student loans as of XXXX 2016 with Navient. I get calls non-stop from Pioneer Credit Collections. They call my cell, my family, my job, my friends ... .they even called my ex-boyfriend 's house! When I spoke to a rep at my job, I advised her that I 'm currently working with Navient on consolidating my loans and I would like to wait to hear what they have to say first. The rep did n't like that answer and that 's when the harassing calls began. The school is XXXX University in XXXX, NC. The company is Pioneer Credit Recovery /phone # XXXX ( and they always provide a reference # for each account ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 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: PA

Complaint narrative:
Navient has sent me a letter on XXXX, XXXX, 2016 stating that they were researching my account based on the fact that my loans were taken out of deferment while I am still in school. As of XXXX XXXX, 2016 I have yet received a response from them. In addition I have checked my account and they have transfer some of my federal stafford loans and I have no idea where they are transfered to. Navient has not sent me any notification of this transfer. 

In addition after they sent me this letter that they were reviewing my account they send some of my accounts to creditors.. They are playing games with my account and its really not good.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I received my XXXX file. File number XXXX. What was reported by Bank of America, my mortgage loan was that I have a Fixed Rate Mortgage. It was reported twice. The first date it was reported was on XX/XX/XXXX as a Fixed Rate. The second date was reported on XX/XX/XXXX. First and foremost, I have not refinanced my mortgage with Bank of America. My loan was bought when Countrywide Home Loans was purchased by Bank of America. I have never had a FIXED RATE MORTGAGE with Countrywide Home Loans or with Bank of America. I have a 30 year Conventional Adjustment Rate Mortgage. I have taken pictures of what was reported to XXXX. Additionally, I 've taken a picture of my latest mortgage statement that shows I have a 30 year Adjustable Rate Mortgage, that is affiliated with the one year Libor. My mortgage rate is adjusted every year. My new monthly mortgage payments change on the first month of XXXX of every year. Please investigate this matter thoroughly. As I do think Bank of America was colluding with XXXX and XXXX. My Bank of America Account number is XXXX. My XXXX Equity Line of Credit number was XXXX. My XXXX Account Mortgage Account number was XXXX. I, honestly believe I 'm a victim of Libor Rigging Scandal. Or a victim of Credit Debt Swapping.

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 2017-01-19 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: MD

Complaint narrative:
I was not clearly explained the interest and the details on the forbearance. I was given bad information about my loan repayment and was told that it could not be consolidated and that the interest rates would continue and that i did not have to make any payments. I was not told correct information about my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: CA

Complaint narrative:
i have a loan servicing company NAVIENT who bought our or service for XXXX XXXX on my credit showing negative. When my loan was in good standing wiith XXXX XXXX.I am on XXXX and going back to school but to my knowledge my loan with XXXX XXXX was in forbarrance. I made my last XXXX payments with XXXX XXXX before Navient bought them. WHen I spoke to Navient that said, that issue is with XXXX XXXX not us. So I said well if you are taking over XXXX XXXX debt you taking everything with you, including any arrangements consumers had with the prior loan company. I feel that once I go back to work or any work in the future is doomed because its showing negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: OR

Complaint narrative:
Was constantly told I had to pay a high monthly payment or my pay would be garnished. Offered no reduced or affordable payment. Accrued massive interest and was constantly called and harassed by loan company. Could not repay after graduation. XXXXNavient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
I received a letter for Wilber & Associates on XXXX XXXX asking me to pay {$540.00} for an accident that they say happened when a person I have never heard of crashed my car. My car has never been in an accident. They have called and harassed me on the phone, asking me for information but not providing me with any information. They sent me a letter on XXXX XXXX threatening to suspend my license. This company is disgusting and I want them to be stopped. This is a scam and I ca n't believe these people are not in jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-BOA card to a BOA MasterCard. The balance transfer offer from BOA was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a BOA card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for BOA. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and BOA charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year " value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn BOA even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient called me at work. Informed the representative not to call me at work and the next day they called to speak to my manager about my debt so he could leave a message for me. He said I would be in later and she stated she wanted to make sure he would leave me a message so she did n't have to call back later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I spoke to XXXX XXXX President of Bank of America NY who advised my accounts were not effected by the mortgage issues I was having with his bank but minimum payments being paid on the accounts. I am asking that all of my credit accounts with Bank of America be reviewed by the CFB and the continued opening and closing of the same accounts and the delayed and tiered reporting the credit bureaus to have max effect on hurting my credit scores. I was notified all in one day of the closing and limit lowering, it was spread over 2 to 3 weeks for the credit bureau reporting and XXXX account was reopened and then closed again. I would also like any and all over payments and rewards paid to me. Bank of America has not acted in a fair manner in its handling and I am concerned with the integrity of the reporting and discussions with this bank.

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 2016-02-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was approved for a trial modification under the XXXX XXXX guideline, I was offered the standard modification XX/XX/XXXX. XX/XX/XXXX I ordered an appraisal and a letter was overnighted to Bank of America as servicer. I wanted to know why I was offered a 6.125 % when the XXXX XXXX as investor /owner offers 4 %. XXXX XXXX XXXX to Market LTV guideline indicates the interest rate is determined by the value divided by the outstanding balance. My numbers are $ XXXX {$190000.00} is XXXX. Anything above XXXX % then the rate is supposed to be higher. Every little bit counts at this point I have a lot of catching up to do financially. To date, my inquiry is unaddressed. I have put in calls to my Bank of America contact XXXX XXXX and no response. Since my loan was formerly in foreclosure I am only allowed XXXX point of contact that does not return calls or letters. Time is very limited as the official loan modification was to sent XX/XX/XXXX. Instead, I had sent an appeal with the original letter and appraisal. 
I would like Bank of America to return my call to discuss as I really do want a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief