vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Constantly receive phone calls from mortgage lender Bank of America even when the payment is not due. Receive calls from them several times a day and on Sunday 's as well. We have spoken to several people from the mortgage lender and will then still get several calls later that day wanting to know when we are going to pay a payment that is not due. When we informed them that we have already spoken to someone they will not take that as an answer or resolution to the call. They are very aggressive, rude, and harassing in the manner in which they are trying to do business. We have had a home loan with the same mortgage lender for 15 years now and have always paid our payments in the same manner with no issues. We had one late payment and we worked with Bank of America to get that late payment paid however continued to get harassed by Bank of America. The harrassment continues to worsen as do the number of phone calls per day and we have advised them that we may have to contact an attorney if the harassment continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: AK

Complaint narrative:
My student loans were initially through XXXX XXXX, now Navient. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I requested loan modifications, income based payment caps, etc. Despite meeting the qualifications for their programs I was denied every time I asked. I did have my loans put into forbearance a couple of times, but I was also charged for that. In XX/XX/XXXX I filed Chapter XXXX bankruptcy, which was discharged in XX/XX/XXXX. I tried especially hard during that time to work out a payment plan with XXXX XXXX. They adamantly refused to help. Again, I fully met their criteria for help but was denied. Unfortunately I did not think to submit at complaint at the time, nor do I have the records showing my request. However, I did want to add my information to the struggle of trying to work with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: CL Holdings LLC
State: TX

Complaint narrative:
I attended XXXX XXXX College ( a proprietary school ). I was taking prerequisite classes to enter their business program. They misrepresented themselves and stated that I would not have to pay till I started the actual business program. While in the prerequisite classes, they then announced that the business program was no longer being offered. They offered other programs for me to enter, and as I was thinking over their offer, the entire school closed down. They were owned by XXXX Colleges, and I heard that all their schools closed. Today, I found out that they are reporting on my credit report that I owe them a debt ( that was sold to a debt collector ; Jefferson Capital Systems ). They are claiming that I owed the school money. I feel it is the other way around, they wasted by time by making false promises they could not keep and eventually the entire school closed down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-18 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: CA

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX in XXXX, California. The school itself, I am looking into suing, because they, like Sallie Mae, pushed for me to take out a very large private loan for over {$40000.00} and a smaller federal loan ( for living expenses, etc ) for around {$15000.00}. Needless to say, no amount of money I would 've made leaving with an associate of arts degree could 've paid off those loans. I was told it would be no problem once I graduated, and since I come from a lower middle class family, furthering my education was a priority for a better life. Instead, 10 years later, my loan is in default, they seize my tax returns and I have XXXX children ages XXXX and XXXX who ask why we cant get a house or fix our car when it breaks. I actually had XXXX of their debt collectors say to me, " you shouldve thought of that before you had children. '' They called my home and family relentlessly for years! I had a job from XX/XX/XXXX-XX/XX/XXXX where my boss had to have several " talks '' with me becuase she asked them to stop calling my place of employment and they wouldnt. I believe she was looking into contacting the XXXX or something of that nature, but she never followed through. I would like to note that I am an excellent XXXX. Any boss or co-worker I have ever had would back that up, so the problem leaving was not my skill, but rather the impossibility of repaying a loan of that amount. Its insane when I think back on it. I wish I could go back in time and stop myself from signing, and allowing my mother to co-sign, I would tell myself, " this is going to ruin your life! You will never be able to buy a home or new car. You will always be in debt, forever and ever. The XXXX will cause you XXXX and XXXX. You will never get out! '' I have felt hopeless because of this, but coming onto this website I am feeling a little better right now. I am feeling like theres a chance to get my life back, I feel like maybe there is strength in numbers and I am both glad and extremely sad to see that so many others are in my boat. So let 's plug it up before it sinks! I am hoping you can help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WA

Complaint narrative:
I would like to know if I can sue HFC for their violations against me. My spouse passed away three years ago, after he passed away I received a life insurance settlement to pay off XXXX of my mortgage. While waiting, my spouses pension went through and I paid all the back mortgages up to date. At that time I was two months ahead in mortgage. After HFC applied the life insurance I was told I was I was two months behind. I believe HFC owes me two months mortgage. I was paying {$1600.00} a month. I would like for them to pay me the {$3200.00} they owe me. I am attaching a copy from the Department of Financial Institutions findings. I have fought with HFC since my spouse passed away and the only time they respond is if I get consumer affairs involved. I am not asking for what is not mine. Please take a look at my case to see if I can claim my monies back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I complained to you several months ago about this same issue. I went through the process of obtaining my report online. I went through the process, completed the form, answered the questions and this pops up. They need to fix the EQUIFAX website. the XXXX and XXXX websites work fine. Without a report number, have you ever tried to call one of these places? I rather chew my hand off. 
I was denied credit recently and I want to see the report. I would prefer they fix the website but, if they have to, then place a copy in the mail but, only as a last resort. It 's a waste of paper

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX, XXXX I am writing a letter to file a complaint and stop any unwarranted foreclosure proceedings with Bank of America. Bank of America provided me with an application for a Home Loan Modification. I wrote back XX/XX/XXXX that the bank needs to wait until I file my tax return that the bank requires in order to have a Home Loan Modification. 

I received a letter on XXXX indicated that I was denied, because I was not employed. The information that was evaluated was XX/XX/XXXX ( prior information ). 
I am employed and I wanted a home loan modification. 
Then afterwards I received a slew of follow up letters of foreclosure proceedings. I thought this Bank would clean itself up. However, it is clear that Bank is causing problems. 
I get a statement of what I owe, which is totally inaccurate when I am making my payments. My property taxes have been paid as well. 

I am requesting an investigation and restitution, because Bank of America Does not want to follow any guidelines. I am also asking that the bank will Stop all foreclosure proceedings until my application is complete this month. 

I appreciate your consideration.

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 2017-01-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
I got my first credit card on XX/XX/2016. It was Discover. And my account was closed XXXX days after I got this card. A few days later they sent a message to me, saying that they closed my account due to unsuccessful payment history. I tried to pay off my credit card XXXX days after I got this card, which was XXXX or more days before the first due day. I 'm regularly paid and able to pay off the credit card every month. And I finally paid off before the first due day. The problem about the unsuccessful payment was that I was new to any credit card and any checking account in XXXX. I deposited a check into my checking account ( it was XXXX ) and made a payment to my credit card after XXXX bussiness days when I saw it posted. But this payment was returned because XXXX later told me for those who opened a checking account within XXXX days it would took XXXX bussiness days to process a check. So my payment was returned due to insufficient funds. I explained to Discover that it was because I was a new user and a foreigner and I did n't know so many rules of credit cards or checking accounts. I did n't even know unsuccessful payment history would result in closure of accounts. Payment can be unsuccessful sometimes and it is normal for a new user. I consulted other credit card companies like XXXX. They said they would just restrict some accounts due to unsuccessful payment and these accounts can be reactivated upon payment cleared. But that Discover just arbitrarily closed my account. I think Discover is not at all customer friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The mortgage company was Countrywide Home loans. I was n't able to make my full mortgage payment XXXX XXXX nor XXXX XXXX. I only paid escrow and interest for both of these payments. I was put on a modification for 2 years just for the amount of {$400.00} dollars. I thought I should have been able to make the {$400.00} difference in the XX/XX/XXXX and XX/XX/XXXX payments. However I lost my job XX/XX/XXXX with Countrywide Home Loans. I was put on a Forbearance repayment plan in XXXX XXXX for 2 years paying {$1200.00} per month and it was scheduled to be completed XXXX XXXX ; However XX/XX/XXXX the collections department of Bank of America starts calling me and stating that my mortgage loan was in arrears 20 months!!! I could n't believe what they were saying! Then they took their time to process another loan modification in XXXX of XXXX in this modification they decided to rob me of my mortgage payments and put my loan BACK to 30 years and take it from $ XXXX to $ XXXX and I have been living in the home since XXXX XXXX, XXXX. I have always had the money to make the house payments. From this loan modification that began in XXXX of XXXX it ran until XXXX XXXX! Then due to my sister passing away XX/XX/XXXX and I did not make the mortgage payment of XX/XX/XXXX they began another foreclosure on my loan and then they began another loan modification XX/XX/XXXX and I was paying perfectly on time and then all of sudden Bank of America decided to NOT let me make mortgage payments in XXXX because they said that my " paperwork '' had not been turned in on time!!! When I had been making payments since XXXX XXXX!! I made the payment for XX/XX/XXXX and returned it back to me! Then they put me back in foreclosure and just now XX/XX/XXXX they have started another loan modification!! The bottom line is that due to the negligent loan processing that has been done on mortgage loan it has caused 9 years of foreclosure showing on my mortgage credit reporting and I have never moved out of the home I have always waited on Bank of America to do what is right and due to their predator manner of processing my loan it has wrecked my credit and my peace of mind! I was a first hand witness on how Countrywide Home loans processed loans against homeowners and now I see that my loan is being processed in negligent manner! All I want is to keep my home and have Bank of America put my loan at 14 years and remove my foreclosure status off of my credit history. I need your help please to resolve this 9 years of on-going bad experience with Bank of America.

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 2017-01-29 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: MO

Complaint narrative:
I went through a divorce 15 years ago. I was struggling to save my property, I contacted Navient, who advised me to miss 3 payments. I am ashamed of myself for not doing more homework and not contacting a financial consultant. I already had a low self esteem. They took advantage of me. I put my loans off for a year. I have never missed a payment and I am in good standings. I will never be able to pay my loans off. I am a teacher in a low income/minority district. The Department of Education encouraged me to file many forms with Navient to have some of my loans dismissed or reduced. Navient rejected my forms saying that my loan is to old. Through this process again I was misled and with every call was given different information. It was difficult to understand the english of the individuals I was talking with and it was difficult for them to understand me. I was always read a script, there was a time that I could rehearse it. The phone calls were very discouraging, always being placed on hold and difficult to get through and when you do, no one could comprehend each other. At one time I was told why would you apply for the ten year pay off plan, you can have it paid by then, but I ca n't. I truly feel that they rejected me from financial services because I am paying on time and they are benefiting from my interest. I have searched high and low for someone to listen to me, as Navient has clearly benefits from me and I am at their mercy. It is XXXX and embarrassing. I am ashamed of the burden I have put on my family. I would like to be apart of the Navient lawsuit. Not to mention the thousand calls I get a day from organizations telling me I qualify for programs to get my loans dismissed, the only person knowing of my loans is Navient, have they sold my information to these agencies wanting to charge me money to help me???? If so they are benefiting from my interest and my information selling it.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
As an XXXX student in the XX/XX/XXXX, I was n't eligible for most school aid programs so relied mostly on student loans such as Stafford, XXXX, Perkins and a small Pell grant, plus a private loan. After earning a XXXX and XXXX, I graduated in XX/XX/XXXX with over XXXX in student loan debt. Needing an immediate job because of the debt, I began working at a XXXX in XX/XX/XXXX, continuing until XX/XX/XXXX. Sadly, the high cost of city living and my student debt payments overwhelmed my XXXX paycheck. When I originally consolidated my loans, I was told by both the Federal DOE rep I spoke to and by my private loan servicer ( XXXX ) that I did not have the option of transferring my loans into the Fed Direct Loan consolidation program. Later, when the Public Service Loan Forgiveness ( PSLF ) program began, I called again to ask if I could get in to the Fed Direct Loan consolidation program to qualify, and was again told by my servicer Navient and the Fed Govt that I did not qualify. However, last year I learned ( just as I was leaving my job ) that indeed, by combining my Perkins Loan with the Stafford/XXXX loans, that I would qualify, so I transferred my loans to Direct Fed loans. BUT, this happened in XX/XX/XXXX, though I would have been eligible when I called about it back in XX/XX/XXXX. This means that I would be almost 9 years into the 10 years of on-time payments and thus very close to having {$230000.00} of student loan debt forgiven as PSLF. In other words, the incorrect and incomplete information given to me on multiple occasions by both my private student loan servicers and by the federal government has potentially cost me many, many thousands of dollars. I would like to continue my non-profit work, but can no longer afford to do so because of this large student debt. My current student loan debt is causing undue hardship and is affecting my future employment and housing options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: OH

Complaint narrative:
I owed a student loan in the amount of about {$6000.00}, I received a letter from Sallie Mae, stating my loans were paid in full, then I find out they are in the hands of XXXX and now my loans are triple what I owed in the beginning. Now I am on a deferment until XXXX with more penalty and interest added. I ca n't afford to pay all this back for 17 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: DISCOVER BANK
State: WA

Complaint narrative:
I received a letter regarding a missed payment in XX/XX/XXXX. After checking my bank account and verifying that I had mistakenly missed a payment in XX/XX/XXXX, I called them to discuss what I needed to do. At that time the person I talked to told me that sending my regular payment for XX/XX/XXXX should catch me up, as I normally pay more than the minimum payment. I did so, but have continued to receive letters, and am now getting harassing phone calls. I spoke with a representative on the phone today who kept badgering me and calling my account " delinquent. '' I told them to stop calling and harassing me. I have paid every month since I spoke with them about my missed XX/XX/XXXX payment, and followed their directions to " catch up '' on the XX/XX/XXXX payment. I want the harassing phone calls to stop. 

Additionally my interest rate is over 9 % and I have contacted them numerous times about reducing my interest rate so that my monthly payments will actually go toward reducing my balance. They have been unwilling to work with me on reducing my interest rate, even though I have faithfully made my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 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: CA

Complaint narrative:
I recently paid off my loan to Navient, and 2-days after the fact, noticed that I overpaid by {$.00}. I spoke w/ their customer service representative, who informed me that overpayments that amount to less than {$1.00} are generally written off. When asked to clarify, the representative, " XXXX, '' stated that essentially, Navient will keep that amount and will only refund if it 's {$1.00} or more. She asked if I wanted a refund of {$.00}, and I said, " Yes. '' XXXX had to check with her supervisor to approve the refund, but then told me to call back on XXXX XXXX, 2016 to escalate the issue to have a supervisor then refund me the {$.00}. When asked if I will get the interest on the {$.00}, they said, " No. '' I know that Sallie Mae/Navient would continue to add interest if I were {$.00} short, and if it took me more than 10-days to pay it, then I 'd certainly have to pay a larger amount. If they kept {$.00} of every over payment made to Navient, they stand to gain XXXX in a windfall. 

Needless to say, when I asked her why her supervisor could n't just process the refund now, she stated that it 's policy to wait until AFTER the billing cycle has passed. This all seems unfair and contradictory to the law and policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Bank of America to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Bank of America ( BOA ). After I returned the product back and contacted with BOA, BOA said that they already sent the money to them and closed the case. Further, because my case is expired, BOA ca n't reopen my case again ; thus, I did n't get the money back until now. 
I contacted with the seller 's bank " XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. 
I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? 
Thank you so much.

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 2016-01-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation