vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My Complaint is in regards to my credit card with Bank of America there was a payment made in XXXX made through and Insurance company that I purchased through Bank of America in the event I had any life changes. The problem is I was just made aware that Bank of America no longer conducts business with them. As result I 'm out of the money that I paid to the insurance company. Well XXXX there was a refund sent to Bank of America on my behalf. Instead of Bank of America sending me the check they applied as a a credit which brought the balance down. No problem right. None for me as well however not only did they bring the balance down they said that is not a payment. Its a credit, I said this is something that I paid monthly and its not like I went to the store and purchased something and than returned it in that case that would be a credit. This service was to be provided for customers in the event they were unable to pay there bill. The issue is Bank of America accepted the payment and than charged me late fees .Closed the account and reported me late to the credit bureaus. I 've made a numerous of attempts to reach out to them and have yet to have this matter resolved recently my wife reached out to your office and a complaint was submitted and we received correspondence from a woman by the name of XXXX XXXX who works with XXXX department of customer care for complaints. Let me start off by saying she was absolutely rude and combative and I hope I never need to deal with her again. She sends us an email stating she wants to resolve this issue please give her a call and than we call her and she is very combative. My wife resubmits a complaint addressing the level of dissatisfaction we received only for the complaint to go back to the same person whom was the one that was being combative. The problem is Bank of America is receiving my money that I work hard for applying to the account and saying there is n't a payment that was n't made because this came from the insurance company. The insurance was again in the event I was unable to pay my bill they would pay it. Although Bank of America no longer does business with this company. The insurance company refunded the consumers some of the money and it was either sent as a check. Bank of America takes my money and than says there is not payment it is a credit. Which cant be a credit because that was a payment made for a service that was never rendered. What Bank of America is doing is stealing. They are charge me a late fee for something that was n't late. Its no different if I have a friend pay my monthly bill. You cant say your applying that payment as credit because someone else paid and that charge me late payments. That is completely unethical.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Went to check my balance on my account and noticed that there were XXXX transactions for a XXXX loan for {$94.00}. Check with the XXXX account hold to see if he made the payment and he said no. Call customer service to see if they can figure out what 's going on. Spoke with a customer service rep named XXXX .that told me I had to file a complaint with collection fraud. She transferred me over to XXXX that he could see it. But started to tell me about the other transactions on my account like my transfers. from my savings to.checking in which the days do n't add up from when I transferred money over. Then he told me there was no XXXX payment for {$94.00}. I told him yes there is or I wo n't be calling your company. And another thing he asked me for a verbal passwordthat I do n't remember doing. Please help this is the second time I am trying to like this bank but the more I stay the more problems I am having.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: OH

Complaint narrative:
AFNI Inc is reporting a collection account as TYPE = OPENThis makes it appear as a open tradeline artificially dragging my credit score down. Collection agencies are only allowed to report as TYPE = COLLECTIONThis has been going on for years and I have disputed it several times. The data is accurate on my XXXX and XXXX reports. This complaint is against AFNI and XXXX 

Today XXXX employee XXXX employee # XXXX told me that the collection agency has the option to report this and even if inaccurate they can not do anything about it, and would not file a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CT

Complaint narrative:
Navient customer service has been extremely rude and they refuse to help me lower my loan payment despite numerous calls to tell them that I ca n't afford the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
based on information and belief this is not my account. never received any notice of this alleged debt. ID Theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-22 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 have been trying to contact Navient for the pass 3 to 4 weeks to try and get a pay off of my student loans that I have with them. No one has contacted me to help out in this matter. I 'm trying to make a payoff agreement to pay my original loan balance minus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I feel like interested was added from previous student loan provider thus making hit difficult for me to see any progress with payments. I do n't clearly understand how interested is added and why my loan amount seems to be increasing rather than decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed for bankruptcy XX/XX/XXXX, which my home was in foreclosure from XX/XX/XXXX to SeptXX/XX/XXXX. From the time that I filed bankruptcy until it was discharged the XXXX for the home continued to try and collect funds from me. Bank of America refused to provide documentations showing that they submitted a claim through their FHL process to recover and pay all XXXX fees from the time that the home entered into foreclosure until it sold. It miraculously sold right after I sent them a 2nd notice that my bankruptcy was finalized. They continued to keep the home in my name through the bankruptcy process and after. Instead of selling it at auction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My house is being auctioned on XX/XX/XXXX. I listed my house for sale. My house is in default and I 'm trying to get it sold before foreclosure. We got an offer on my house. My package was originally sent to the servicer on XX/XX/XXXX - it was a full package. We were told it had to be initiated in XXXX. It then was initiated on XX/XX/XXXX. Bank of America has taken a full month to request documents. It is XX/XX/XXXX and up until last week they were still collecting documents. They had taken so long to request things, that they still have not done a full review of my property. My listing agent just got a call today from someone to see the property. It 's unbelievable to me that my lender needs a full two months to review short sale documents and NOT cancel an auction. I 'm requesting a postponement so my file can be appropriately reviewed.

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 2015-07-07 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: TN

Complaint narrative:
I really have both Federal and Private loans via XXXX XXXX from XXXX XXXX. They promised me the world and well it all feel short. I realized everything was wrong when my teachers did n't nothing but leave the school because they did n't want to work for them. I was stuck!! Every time they would tell me I needed to come and sign up for my next classes I had no idea i was signing up for more loans. They told me they would help me get a job ... they sent me an app for a XXXX at XXXX : ( They said i could transfer my credits if i wanted to later on ... Wrong none of my credits could be transferred. They did stuff so fast there that you never knew what you were about to get into. When I went to just visit the location to see if I would like it they told me to take a test because I did n't have my SAT scores back yet. I took the test they said I passed I was excited told them I would think about it next thing I know I 'm some how signed up to start school the next month ... .... They are all scams!!! They knew a XXXX year old could never repay the amount of money they asked me too and at that time I had no idea what I was doing because they always lied to me. I have had XXXX XXXX workers ask me if i had a dying family member that could write me into their will so I could make my XXXX a month payment ... I had one tell me to go XXXX someone to be able to make a payment .... Now all of my credit is horrible and I ca n't really do much about it due to the fact I do n't make XXXX a month extra to pay them. I just need help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: IL

Complaint narrative:
I am the Co Signer on XXXX student loans for the same borrower. The loans originated in XX/XX/XXXX - XX/XX/XXXX. The servicer, Navient. is currently contacting me despite past performance on their part, poor recordkeeping by them, and the loans paid regularly since te first payment was due in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted XXXX line now there is a hit on my credit card line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: NJ

Complaint narrative:
I started noticing increases to my private student loans after I was eligible for the reduced interest rate program. I was paying {$360.00} a month when I was in the reduced interest rate program for 15 months and once I was no longer in the program the next payment was {$540.00}. Then the following month my payment increased again to {$570.00} and then again to {$570.00}. These slight interests every month has made it harder for me to save money for emergencies. It seems as if after leaving the reduced interest rate program the loaner has slowly increased my payment to make up for the money they were losing from when I was paying a reduced interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America continues to charge me late fees within the 30 day window. I pay my mortgage within the 30 day window, i.e. my payment is due XXXX XXXX and I pay before XXXX XXXX and they charge me a {$90.00} late fee

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I have spoken to Pioneer collections twice since XXXX 2016 yet they have been continually called my family members, friends and past employers to gain my contact info. I own my own business and to have them call people who I 've worked with is hurting my future business.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 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: CO

Complaint narrative:
I completed grad school in XX/XX/XXXX. A previous student loan was in deferrment while I was in school and I requested the deferrment continue for the first six months after school. I recently started getting collection calls from Navient for my approximately {$10000.00} loan. They say I was supposed to start paying back the loan in XXXX when I finished school. They informed me that the loan was due immediately because I had dropped out of school. This is not true, I graduated from school. 

In the fall of XX/XX/XXXX, I consolidated all of my Federal student loans and lowered the interest rate to 3.25 %. My student loan through Navient is 6.25 % interest with a variable rate and the payments are very high for such a small loan. I requested the opportunity refinance at a lower fixed rate and they have told me that they do not refinance and I am stuck with the loan as-is. I need help lowering my interest rate and getting it fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I never did take out a student loan with Sallie Mae or XXXX, that Sallie Mae Keep consolidating Students Loans in my name, they have ir-legally taken my Identity, its call Identity Thief!! I think it may be XXXX University committing the Fraud, because My Students Loans came from XXXX, and XXXX XXXX is my Service Lender. Internal Revenue would actually give my Federal Refund to Sallie Mae and XXXX for Students Loans, I never did take out!!! The Treasury Department needs to be Court Ordered!!! XX/XX/XXXX irlegally taking {$840.00} tax refund of {$1200.00} ( XX/XX/XXXX ), my Federal Refund ir-legally would be garnished for Identity Thief for Sallie Mae and XXXX XXXX XXXX, I never did take!! My real loans in deferment, while I keep applying for Occupations in my field!!!! I would report to the Internal Revenue in the Highest Degree of with Sallie Mae and XXXX, and had stolen my Identity, which is still Identity Thief!! Meaning my Federal Refund goes XXXX and XXXX XXXX, and some of the catalogs!!! When Louisiana State Revenues knows better, so can the Fraudulent Internal Revenue, The Treasury Department, XXXX that committs the Fraud of giving my Federal Refund, and my business is extremely slow there is no from profit from it!!!!, I do not have a job in my field to pay on a Student Loan, I practically, live off the XXXX employers, I worked, for and you would not get {$680.00} dollars working for XXXX employers, no one really wants this Federal Agency looking into their work history!!! With Fraud that they committ!!! Part of refund was supposed be used to pay on my Credit Card XXXX {$240.00} dollars payment of them trying to lend me {$520.00}!! ( A settlement payment )

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
When my student loan was in repayment I would make a payment and if the payment was short they would not add the payment to my account until it was the full amount although it was two account they would not pay any of the account but instead they would report both account to the credit agency as being late. For example of my payment was {$50.00} and the payment was {$40.00} they would to apply it to any of my account and when I inquire why they would only say that that was the rule. They would hold the payment until I make another payment then they would apply it to my account which mean I was paying more interest than I would have had they apply the payment although it would not cover both account. At the time I did not know that I could have reported it to this agency. My loan have since been forgiven because I am total and permanent disable veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: NY

Complaint narrative:
I have been paying a private student loan through Navient for about 4-5 years now and I can barely keep up with the high payments of $ XXXX/month with an 11 % interest rate. I have spoken to representatives constantly and no one seems to be able to or want to help. I have a co signer, My co signer has no plans on helping me financially he just signed so I can get the loan and continue my education. All I would like is my payments to be lowered to somehwere more affordable so I do not have to struggle to pay them every month and I do n't keep getting hammered with late fees. I feel like Navient lies to its borrowers just to collect late fees and raise interest rates and use naive students as profit centers. I thank you for taking the time to read this and I look forward to a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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:
After taking out student loans in order to finish school. I was unable to make payments. I contacted my lenders and was instructed to send in documentation regarding my financial situation. I did do so, however it was n't credited to my account. XXXX claimed to not receive the documentation required after several attempts to send the documentation. When they did admit to receiving the paperwork, they claimed it was one day too late. This not only affected my credit but it kept me from obtaining employment. I feel their actions were fraudulent. I would like my credit report to reflect that all of my loans were in deferment at the time. Additionally they gave me the wrong information regarding my student loans and was under the impression that they were my only servicer and was responsible for me not contacting department of Education regarding the same loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Due to a hardship, I was unable to pay my home mortgage payments. I had a first mortgage with XXXX XXXX XXXX and a equity line of credit with Bank of America. My home was foreclosed upon in XX/XX/XXXX. Both loans were real estate loans and the collateral was the home. MY COMPLAINT is with Bank of America who held the equity line of credit. BofA reported the loan as charged off initially. Then 30 months later, ( XX/XX/XXXX ) a BofA collection representative started calling me threatening a lawsuit if I did not pay the money owed on the equity line. I was asked and agreed to pay {$5000.00} to settle the account. I have attached the note and deed of trust for the equity line showing that the loan was secured initially by the property but in the aftermath, it should be shown on my credit as a chaarge off - settled for less than due and not a Foreclosure. The way BofA is reporting this on my credit is keeping me from purchasing another home for 3 years. I am requesting B of A report this as a charge off of a credit account and not a foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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:
I wish to add my name to the ongoing lawsuit against Navient. The former XXXX took over my already-excessive student loans from when I attended XXXX ( an institution already shut down for defrauding its students, including me ). Navient has continued for years to over-aggressively demand massive payments on these loans which should have been written off already, demanding *multiple* payments of up to $ XXXX on a monthly basis, despite my dutifully sending in a request for forbearance. 

I am the victim of fraud, twice over now, and deserve unconditional relief from these debts. Navient 's greedy harassment must stop.

Company response to consumer: Closed with explanation