vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 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: NY

Complaint narrative:
Since the complaints and lawsuits have been put into the lime light against Navient, and seeing how they seem to align with how I 've been treated, I decided to file a formal complaint. Over the course of my Navient loan I have asked for forbearance, but have also been innocuously ( or so it seemed ) been driven towards forbearance. One time in particular I had gone on unemployment due to a lack of work through my job and had contacted Navient about my inability for a long while to access my account online with them. Through contacting them I talked to a woman who also talked about my forvearance ending soon. So, I brought the XXXX up and she 'd directed me to go online and file out a specific form ... to which I reaponded that i could n't get online. I was told I 'd be sent the form through email ... and I have n't gotten it. Now, come some time later I call and end up going on forbearance because I ca n't get online to access anything they 're saying would or could be provided for me. I feel between a rock and a hard place .... I hear all the time of payments getting lost or mixed up and as a person who really ca n't afford to have payments just *poof* disappear ; I 'm afraid. Now, starting today it seems that I 'm getting calls by random numbers with 90 % do n't answer ratings because they 're false Navients trying to get money. This is all nervewrecking. 

P.S. I just moved to my new address and have not bothered to try to deal with Navient until my forbearance ended. It just ended this month. Which during the same time all the lawsuits came up. I ca n't even just get online to change the address, nor do I have an identification number to give them to bring up my loan. For all intensive purposes when I 'd called them at first the woman did not know if I 'd even had a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A wire was initiated by myself to a customer at Bank of America on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Bank of America, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Bank of America is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Bank of America multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Bank of America have been returned to me. Bank of America has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.

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 2016-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My Nelnet loan was paid in full, to a XXXX balance, on XXXX/XXXX/16. Nelnet then withdrew another payment from my checking account on XXXX/XXXX/16, even though I had a XXXX balance showing on my online account 5 days prior. A phone rep said the withdrawal of extra funds past the XXXX balance was my fault, since I did n't cancel autopay. I asked where the policy of taking money from customers with a XXXX balance was on their website ; I have never heard of any company that auto debits customers with a XXXX balance. The rep said I will get a refund back 4 to 6 weeks ( with no interest for me of course ). Nelnet needs to stop the practice of taking money from people with a XXXX balance. A XXXX account balance should trigger a Stop Pay. And if Nelnet does over bill, they should refund any money they took in error immediately, not 4-6 weeks later. I requested written communication from them describing exactly how and when they intend to refund the money ; I 'm waiting to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: IL

Complaint narrative:
Short-term forebearance. Lasts around 3 months, then calls about 3-4 times a day. 
Unwilling to lower payment amount. 
School closed down. Was essentially strong-armed into taking only private loans as the financial aid advisors told me I could n't qualify for any other financial aid. Was made to renew every semester with the claim " you do n't sign it, you ca n't continue/graduate '' Did n't receive diploma until loans were paid, even after graduation. 
Was told I could n't get forebearance, then told I could. 
Non-stop calls once forebearance/deferment ends

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
initially I was not informed about the switch from XXXX to navient. I over looked that. then I never got any letters about my loans. so I tried to log in. it failed and I went through all sorts of trouble shooting stuff. months later finally logged in. they had my address entered incorrect and with everything else it made me XXXX months in default on my loans. with XXXX they were in forbearance and since I was never notified of the change for almost a year ( saw a commercial ). now I am {$200000.00} in default on my student loans and they will not to anything to help me fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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: OH

Complaint narrative:
I have already filed for chapter XXXX back in XX/XX/XXXX or XX/XX/XXXX. I have attempted on a multitude of levels to pay Navient appropriately, but they have violated my financial well-being. They have reported horribly on my credit report, even after receiving payments from my cosigners and/or myself. I have explained my financial hardship, yet they have done everything possible to destroy my livelihood. I no longer speak to my family members, who are cosigners because of Navient 's abusive tactics. They have stated they would report good standing on my credit report after receiving payments from me but, failed to honor. They have harassed my family and I with threatening phone calls, even to the point of threatening my life.

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient owns XXXX different student loans of mine ; XXXX federal and XXXX private. I called to request a lower payment option as they were increasing my monthly payment significantly, and they would ONLY lower my payment if I would agree to a graduated repayment plan that will increase my loan payment by 400 % in two years. I requested to extend my loan terms in efforts to negotiate but I was told that because my loans did not total {$30000.00}, they could not extend the terms. My loans currently total XXXX. I was {$200.00} under this magical {$30000.00} mark, and they refused to assist or make an exception. I waited on hold for XXXX hours to " resolve '' the issue and this was the only way I was informed that I could make my loans affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I joined XXXX to check my credit score. I have a delinquent/derogatory Bank of America credit card account listed. I 've never had a BOA credit card. The account was opened in XXXX, I was born in XXXX. It was closed in XXXX. How do I get this removed from my report?

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 2016-04-16 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: MA

Complaint narrative:
I took out a student loan in 2007 from XXXX XXXX to pay for college. I recently finished XXXX school and the loan exited the grace period incurring a repayment fee. While the promissory note I signed at age XXXX did include a subsection effectively detailing that the company could tack on any fees they so desired at any point in time, I believe this to be unfair, deceptive and abusive. First, this provision was tucked away in subsection G of a boilerplate contract and was not disclosed in a clear and conspicuous manner. Second, the methodology of calculating this fee was never disclosed. Third, this fee is really a hidden origination charge and should have been disclosed as part of the interest rate disclosures that I am still unsure I ever received. The cumulative effect of these practices has resulted in monetary harm on my part, which I could not reasonably avoid because the fees were never disclosed to me and I had no way of calculating what they were going to be in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I purchased a product from a company and that company never delivered the product. I 've been trying to make a claim with BOA for this fraudulent charge. 
I 've called BOA 3 times and waited more than 30 minutes to make a claim. They are not answering their phones. There is no other way to make a claim with BOA. I 'm out of options and now feel that BOA is assisting in this fraudulent behavior through their business practice of NOT answering phone. I 'm currently on the phone for a 4th time, been transferred and on hold for 20 minutes and counting.

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 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: NY

Complaint narrative:
Nearly ten years ago, the Public Service Loan Forgiveness plan started. As a professor at a public college since XXXX, with crushing student loan debt, I was thrilled to hear about the program. My student loans were nearly triple the value of my gross annual salary at the time, so I was interested to hear more about it. Each time I inquired about it, particularly to find out what my monthly payments would be, I was told that there were no estimated costs and that I just needed to switch to the Income Based Repayment ( IBR ) plan to find out. With a low salary and many debts, I was afraid to switch from my 30-year monthly payment plan to some unknown dollar amount. So I waited three years before I bit the bullet, still with no estimate of what the payments would be. Fortunately, my monthly payments were reduced by nearly {$100.00} a month on the IBR plan. Unfortunately, I had lost 3 years of loan forgiveness, even though I was paying more per month on my loans in a qualifying public service position. At that time, the XXXX agent told me that I could not retroactively change to the IBR plan in order to recoup those 3 years. There were also no application forms for the PLSF program, and I was informed that I need only submit the employment verification sometime in the next 10 years to ensure that I was added into the program. 
Fast forward to today - I still owe nearly 130 % of my gross annual salary in the same public service position, the PLSF program applications are available online, and I finally submitted my application to see where I stood in terms of the number of payments left before my loans would be forgiven. I am furious at the response letter I just received in the mail from XXXX, stating that I am not eligible for PLSC due to " No Eligible Loan Type ( s ). '' My loans were originally issued via the XXXX Federal Direct Loan Program, some subsidized, some not. Those loans are indeed part of the forgiveness plan. It is my best guess that the method of consolidation I chose back when I switched to a 30-year repayment plan through XXXX disqualified me from the program, but I am uncertain. I 'm really not sure how to fix the problem. It is difficult to navigate between the XXXX that reviews the PSLF applications and two different loan servicers that have changed through time, first XXXX and now Navient. I feel that I have been duped, and I would like to correct the situation at least back to XXXX, if not all the way back to the beginning of the PLSC program in XXXX. I am happy to provide any employment and income verification needed in order to rectify this issue. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX had continue to charge me every month for two and a half year 's for a cell phone that i was not using during that period i was XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I co-own a property that I took a home equity loan on with Bank of America ( BOA ). The property taxes were supposed to be paid by myself and the other party. I paid my share, they did not. BOA contacted me informing me that taxes must be paid to protect their interest. I was initially given XXXX days to resolve the issue but was told I could call to request an additional XXXX days if needed before they would open an escrow account and pay the taxes. I immediately went to my attorney and went through a refinance of my current property to obtain the funds to pay off the loan so the property taxes would no longer be of concern to BOA and remain the burden of the " other party ''. I went through a lot to get the refinance done within the additional XXXX days that were granted ( giving me until XXXX XXXX, 2015 ) meetings, paperwork, appraisal and closing costs. When I had the funds available to pay off the loan ( still prior to XXXX XXXX ) I contacted BOA and they told me they went ahead and opened the escrow account and paid the taxes sometime the first week of XXXX! I was shocked and dismayed and was basically told I was out of luck. The burden was now on me and even though I would be paying off the principal amount, a portion would go to the escrow leaving a principal balance still open and therefore not only making me liable for the previous taxes but setting me up to be responsible for any future taxes the other party would likely not be paying as well! My husband is permanently XXXX with XXXX issues and I really can not afford to pay someone else 's bills! Also, we take pride in our good credit and this could ruin us. Their " XXXX XXXX XXXX '' wo n't even return my calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My house foreclosed and I had a second mortgage that was not forgiven in the amount XXXXThe company XXXX XXXX offered a 20 % settlement with me which I did n't originally agree upon and asked for 10 %. They would not do 10 % so I later agreed to 20 %, however they said they sold my debt to a law firm XXXX MN. XXXX would not respond to any of my attempts to make payments to them and threatened to garnish my wages if I did n't immediately sign an affidavit and payment plan to pay them in full. I asked them where I could send payments and they ignored me. They only communicated with threatening letters and phone calls. Finally under duress and the only way I could get them to tell me how to send a payment was I signed their pressured paperwork. I feel they used threats and fear to ignore my attempt to pay them the original agreed upon 20 % settlement which they forced to 90 % now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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:
Because I was a XXXX right out of college, I had to defer my student loan payments and was crushed with tons of capitalized interest and extra fees. I have been paying loan off since 2014 and I am getting no where. It 's now over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: ME

Complaint narrative:
I was reading a NY XXXX article about things that Navient was doing illegally, like misleading customers about their options. I was also a victim of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Madam or Sir, I find I had by cheated, I want compliant Bank of America mortgage department. My refinance loan number is XXXX. I request BOA refund my prepaid appraisal fee {$470.00}. 

When I found my refinance loans amount having {$870.00} different, I want cancelled my case, I told with mortgage loan officer ( XXXX XXXX XXXX ) of BOA for the loan amount I want cancel my case, but after she agree the loan amount is {$220000.00} at XXXX XXXX, 2016, so next day I went to BOA office sign IRS documents. Then XXXX following processed the next step call appraisal schedule to my house value. When I received the BOA report found the loan amount did n't correction for change. 
After the house appraiser value of my house, I got the house value was {$540000.00} over 50 % for my loan amount, but XXXX called me I need replacement for my fences, I think it is unreasonable request, it is hard to accept, because the old fence has been deducted value from the total value of the house. 
I thought about my case, if the loan officer did n't agree my loan amount she can made the case cancel when I request, no need the house appraisers take my house value, so I no need pay the appraisal fee. Then she conduct the appraiser for my house after then picky on my house made more request of my house, after that I cancelled my case. 
When I complain with XXXX XXXX XXXX and BOA services survey, never got any respond. 
I felt very uncomfortable and unfair, the BOA give to me unreasonable request. So I request BOA refund my prepaid fee {$470.00}. 
I want get government help for my case. Thank you so much. 


sincerely yours, House Owner : XXXX XXXX XXXX Email : XXXXXXXXXXXX Cell : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My refinance loan number is XXXX

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 2016-07-26 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: TN

Complaint narrative:
on XXXX XXXX, XXXX XXXX with XXXX organized a crime scene by stealing my house. Using forms with falsified information and unauthorized signature. They used XXXX of XXXX Tn, to remove my private property and lock me out of my house to allegedly give my house to someone at the BANK OF NEW YORK MELLON by the name of XXXX in Georgia. The alleged account had been updated to cease and desist by the time they claim to have a trial and steal my information and my house at XXXX in XXXX TN. In violation of federal law XXXX XXXX XXXX I never recieved verification or validation of some alleged debt, Now I have no house to live.

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