vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been paying Navient ( formerly XXXX ) loans for years, both for my own XXXX ( which is XXXX paid off ) and for my daughter 's XXXX school, XXXX College in XXXX XXXX. I have been receiving my statements via paper mail all of these years. Navient has stopped sending me monthly statements which is making it impossible to know how much is due, if the monthly calculation is correct, and making timely payments. I have repeatedly said I do not want email communication. Navient disregards my requests and sends out phony mail correspondence to me in order to pretend our conversation had a different subject, other than what I just described. Over the phone the phone reps acknowledge that monthly statements are not being sent, however when I asked for verification of their acknowledgement in writing they refuse. They harass me and my daughter at work with robotic phone calls even though they know they have not send out a paper statement. One such account XXXX all I get is quarterly payment letter reminders however I have no idea what is owed bc they have not sent me a paper statement in a couple of years. When I ask them who authorized a change with my account ( from receiving monthly paper statements ), they make up inconsistent answers to try and justify their actions of not sending me monthly statements. This is deeply frustrating, I feel harassed and feel this is extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Navient worker XXXX and his manager where very rude to me, try to threaten and force me to make a payment based off the fact they offered me a plan. I explained I could not afford it, and the manager said since you declined my offer I 'm going to note it and we will have you account turned over. He went on to say how is it there your paying your other bills but you ca n't afford to pay us. We are a private loan we do n't have to work with you are offer you anything.He then went on to say I 'm going to call your co-signer now which is my father, using my number as If I was actually calling him, the manager attempted to call my dad. He returned and said he left a message and that we both need to get money together and pay. If I had any kind of work I should know the day I should be paid and I can just pay them then, I asked if I could defer my payment he never answered my question but continued to be rude and say I had no other option but to tell him a date and he could take the money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Have Started A Foreclosure Action Against Me On XX/XX/2015 And They Do n't Have Legal Standing, Right Or Legal Capacity All Documents Submitted on The At Bar Is Fraudulent See case At XXXX under Civil cases XXXX Or My Name XXXX XXXX See Case XXXX Also XXXX .vs XXXX XXXX , the never responded to my RESPA AND TILA IN VIOLATION OF US AND STATE LAWS.

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 2015-05-18 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: NV

Complaint narrative:
I have been paying on this debt for over 7 years. I recently fell behind due to unemployment. They gave no relieve for months. Sent me an intimidating letter stating I was going into default and it would ruin me. I called them again, one of many times to explain my situation. They first offered me a payment of XXXX dollars of which nothing goes to the loan and would postpone the harassment for XXXX more month. When I explained my loan payment is normally less than that they recanted. Asked me a lot of intrusive questions about my living costs and then said we can just charge your normal month postpone the default and its even less than the XXXX. These people are predatory and untrustworthy. They should be put out of business. No other response is acceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Cause of DIL : In XX/XX/XXXX, due to my father 's illness, I became the caretaker for him. In XX/XX/XXXX, my father lost his battle with his illness and died. During the aforementioned time, and with the downturn in the real estate market, we were unable to manage the affairs associated with our investment property. In addition, the tenants stopped paying their rents and we were not available to take them to court because of caring for my father. I could not afford to hire a property manager ; therefore, our financial problems became unmanageable, both personal and business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The XXXX determined that I was wronged by Bank of america, the settlement was that bank of america NA would submit documents too the XXXX credit bureaus to repair my credit and reduce amount owed. They were to remove all legal fee 's and other fees associated with my mortgage. They did not comply causing me serious difficulty in purchasing a vehicle and refinancing my home loan. They instead sold my loan to XXXX XXXX and pretty much left me with bad credit and a payment of XXXX per month.

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 2016-08-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
While applying for a modification on my XXXX home equity lines of credit, I was advised by the representative to not bother to pay my monthly payments because I could rest assured that I would be approved. This went on for over 2 months. I was ultimately denied the modification and reported to all XXXX credit bureaus as 2 months delinquent. I feel this record should be expunged. I have another outstanding complaint with the CFPB regarding the experience of the modification itself.

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 2017-03-07 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: FL

Complaint narrative:
My federal student loans were erroneously reported to the credit bureaus as being late when in fact they were always either in deferment because I was in school or they were part of an income-drive repayment plan in which my monthly payment is {$0.00} because my income is too low to pay back my loans at this time. These erroneous reports have caused my credit rating to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Andrews & Cox, P.C.
State: GA

Complaint narrative:
Since XXXX XXXX XXXX has been attempting to collect a debt I feel I do not owe. Since then XXXX attorneys have been contracted with XXXX to collect this debt. Although I disputed the charges and the contract, in the spirit of compromise, I was willing to pay this account in the purpose of merely to have this item eventually removed from my credit report. The scheduled payment was to be {$50.00} per month which I paid religiously every month, on time. On XXXX XXXX, XXXX the 1st payment was scheduled to be made and was paid, then immediately following that in XXXX Law turns the file over to XXXX XXXX XXXX XXXX, XXXX which I again pay on time only to have in XXXX XXXX XXXX XXXX XXXX takes over the case and there is a {$150.00} balance discrepancy which, I thought, was corrected and XXXX XXXX XXXX turns the file over to Bleeker and Brody & Andrews in XXXX XXXX, XXXX now there is a {$250.00} discrepancy in the balance that is owed. XXXX XXXX, XXXX I submitted written notification to Bleeker and Brodey & Andrews notifying them and disputing the balance. XXXX XXXX, XXXX, nearly 6 months later I receive a generic reply with no supplemental or validation of the debt was submitted along with the correspondence as required by law. XXXX XXXX, XXXX Another letter is sent to Bleeker and Brodey & Andrews disputing the balance again and submitting with my correspondence all supporting documentation including proof of all payment made up to the date of my XXXX XXXX letter. No other response was ever made again by the Law Firm. XXXX XXXX was when I received another letter from another Law Firm attempting to collect this debt and now the amount is nearly doubled in collection fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have returned merchandise to a merchant who credited my bank card on XXXX. I 've checked my Bank of America account and the credit does not appear on my account on XXXX. This delay may cause an overdraft. I have noticed that it takes 48-72 hours for a credits to appear on my Bank of America account. Is there a time limit for banks to process credits? How is it that a purchase is immediately removed from my account, yet it takes longer for credits? Thank you for looking into this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The property address mentioned above was foreclosed on XXXX XXXX, XXXX and Charged off by Bank of America in XXXX of XXXX. XXXX XXXX was the first lien-holder and tried twice to participate in a short sale, but Bank of America refused twice ; therefore, the home went into foreclosure. 

We made numerous calls to Bank of America who told us the home was charged off and we did n't owe anything. Then we received notice from XXXX XXXX saying they had the loan now. We disputed the validity of this debt. XXXX XXXX at one time agreed that Bank of America should have never sold this loan to them, but then started charging us the regular monthly payment amount of {$620.00} which has significantly increased this debt. And now XXXX XXXX is selling this disputed debt to XXXX and the debt amount has doubled from the original debt amount. 

Additionally, this property was part of the XXXX XXXX XXXX XXXX Lawsuit against the XXXX banks ( including Bank of America and XXXX XXXX XXXX that foreclosed on homes and should not have.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers.

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 2016-05-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America is denying a fraudulent charge.

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 2015-11-10 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX/XXXX/2015, I contacted XXXX XXXX XXXX with whom I have a brokerage account, regarding my desire to send a money-transfer, the following week. On a recorded line, the representative informed me the charge for this service was a flat-fee amount, either {$24.00} or {$25.00}, he was not quite sure. I believe the rep 's name was XXXX XXXX. 

XXXX/XXXX/2015 I phoned XXXX to initiate the transfer. When I asked him, the rep told me there would be no fee for the transfer, and that the exchange rate from XXXX to XXXX would be XXXX. I assumed the remission of the fee was due to my being a Premium Elite Client. XXXX has sometimes granted me such rewards. 

After completing the wire request, I thought to look up the exchange rate. It was between XXXX and XXXX! Based on the amount of the wire ( {$15000.00} ), the wire charge ( fee ) was therefore {$300.00} [ ( XXXX ) * XXXX ]. I called back XXXX, and they confirmed the standard rate was a 2 % charge. 2 % of {$15000.00} is indeed {$300.00}. I pointed out that it is absurd to charge {$300.00} to wire money, and that even XXXX would do it for a fraction of that. IN ANY CASE, THEIR REPRESENTATIVE HAD ALREADY STATED THE FLAT FEE WAS {$25.00}. 

XXXX XXXX refuses to refund the {$300.00} out of which they cheated me ( THE FEE WAS NEVER STATED TO ME IN ANY WAY ). I want them to refund the {$300.00}, and charge me the flat fee, as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: MO

Complaint narrative:
My loan was serviced through Navient. A few years ago I was trying to get onto a low payment play and take advantage of the Public Service Loan Forgiveness Program. I was told by Navient that the " graduated '' repayment plan that I was on qualified for that program and that after 10 years of payments the remainder of my loan could be forgiven. A month or so ago I called to check on something and was informed that in fact the plan I was on did not qualify, meaning that for the last 2 plus years I was making payments that were not qualifying for said plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Cant pay my loan back

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
There is an account open with Bank of America reporting as a negative item on my credit report since XXXX. It says this account was open in XXXX. My wife and I had another account with Bank of America open in XXXX, therefore we were making payments to every account we had for a few months to attempt to get out of our debt without claiming any bankruptcy. During this time, we researched all of our documentation that we had saved for 10 years and did Not Have a second account with BOA. We have been asking for verification of the signed application showing I opened this account and our requests have been ignored. It is reporting as a major negative on my credit report. I have filed complaints with the credit agencies. We have worked hard to pay XXXX of credit card debt on our own without assistance and want to refinance and starting saving money. This is not possible with this negative account being continually ignored. How can we better ourselves if we ca n't get the creditors to do their part?

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 2015-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2016 I received a call from XXXX XXXX XXXX. I spoke to XXXX XXXX. He reported he had an investor whom wanted to purchase my timeshare. I received a welcome letter. He requested a high resolution drivers license picture ID and to sign the letter of intent. He then returned a call and stated the sale would go to the senior escrow manager XXXX XXXX. Both XXXX XXXX XXXX and XXXX XXXX with XXXX XXXX XXXX in XXXX Colorado were very convincing. XXXX XXXX stated I would need to pay closing fees. This fee would be {$5100.00}. He then explained the buyer would reimbursed the fee. He was very convincing. The wire transfer via an intermediary bank.. This bank was XXXX XXXX XXXX. Next the escrow representative stated XXXX would need to pay XXXX % tax as I allowed family and friends to use this timeshare. even when stating I never received any compensation, XXXX XXXX indicated I would need to be registered as a international investor. This would allow me to sell the property. This time the cost to register as a foreign investor would be {$6800.00}. Once this was paid the scam continued. When I questioned him he indicated the buyer would get me for breach of contact. When XXXX XXXX stated the Bank in XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) was refusing to release the escrow account. " The following XXXX XXXX XXXX ( XXXX ) Wire Transfer Confirmation XXXX has been retained for delayed deposit, uninsured payments, and security reasons by XXXX with the intent to combat XXXX XXXX Money Laundering. When I became desperate he indicated the last step would be for me to take a policy from XXXX. He indicated this would allow the insurance to help bridge communication between the bank and the seller. cost for this was {$9300.00}. Once I paid this, XXXX XXXX and XXXX XXXX stated the claim would be paid. The issue, this time I needed to pay the deductible. This deductible would be {$15000.00}. When I began questioning the both neither could provide details to this policy.

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 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
An individual by the name of XXXX XXXX has repeatedly called my landline house phone claiming to collect a debt that he will not specify. He claims to be a representative of Municipal Services Bureau and only provides this phone number XXXX. I do not know of any debts I currently owe to this company which is based in Texas. When I called the number to inquire about the debt I owe, I was kept on hold for almost an hour and spoke to no one.

Company response to consumer: Closed with explanation