vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am seeking assistance with my Navient Private Student loans to prevent default on XX/XX/2017. 

My husband and I have been making monthly payments ( according to Navient 's letters to prevent default ) and ongoing communications ( mail, fax, phone ). However, it seems Navient continues to deny our efforts. 

I have attached a payment confirmation and communications .pdf " Navient Log File of Events '' to validate my facts for support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: WI

Complaint narrative:
As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. 
In XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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: MN

Complaint narrative:
I have a private loan with a co-signer through Navient. I have been making auto payments for as long as I can remember and I check my bank statement every month to make sure the payment was made. I get an email notice from Navient each month telling me they received my payment and when my next payment is due. My co-signer is getting calls twice a day about the payments not being made. I have contacted Navient asking that they no longer make the calls to the co-signer and am told that they wo n't ; the next thing I know my co-signer is receiving calls again. I do n't have a street address as to where I can sent a certified letter asking that they cease all calls as it seems that the verbal and emails are not getting the point across. I am so tired of dealing with Navient, I have asked that all my loans be consolidated and they tell me that the can only consolidate the Federal Student loans and not the private loans, even though they are the lender that holds both loans. My school is n't listed below it is XXXX College - XXXX XXXX Minnesota - the only campus that is listed for Minnesota is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: NY

Complaint narrative:
My loans are serviced through Navient, and last year I consolidated my federal loans on an income-based repayment plan. The plan was supposed to go into effect in XXXX, yet I received a bill for over {$200.00}. As I was working full-time over XXXX hours a week, I did not have the time to call and clarify and did not want to be delinquent on my federal loans, so I paid. Same for XXXX and XXXX. When I called in XXXX, I was told that Navient had RECEIVED MY PAPERWORK, WHICH WAS IN PROPER ORDER, but had simply failed to process it. My father mentioned the story that ran on XXXX recently, and I realized that what Navient was accused of was exactly what had happened to me. While paying down loans is never bad, having surprise bills in excess of {$200.00} when you live paycheck to paycheck is massively inconvenient, and now that I realize that this was a deliberate action on Navient 's part, I am infuriated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XXXX XXXX, 2015, I requested an increase on my Bank of America credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Bank of America to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Bank of America policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Bank of America should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the " this is a federal requirement '' line is a frequently used Bank of America customer service tactic ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I called Naviant to discuss the policies and terms of the forebarance of XXXX of my loans that my mom paid for. I was informed that neither of the XXXX loans were in forebarence and that i could make a payment of {$50.00} each to put the loans in forebarence. My mom had already made a payment of {$150.00} on XXXX XXXX. I was then informed that the payment was not there and the only payment showing was from today that my mother made to forebare the loan she cosigned on, When I was informing the woman named XXXX that the forebarence of all XXXX loans was already paid for, i recieved an attitude from her and her constantly asking if i wanted to make a payment to put my loans in forebarence. It was n't until i read off the exact persons name that she spoke with on the XXXX and the confirmation number that i actually got somewhere and by that time i had to go back to work. I am not impressed with how they handled this situation and would like to know where they payment my mother made for the XXXX loans went and why it was n't clearly noted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
This company calls me at least 4 times per day. They call me when I 'm working. They never leave a voicemail advising me who they are. They often call me from different phone numbers each day. They have called me from XXXX, XXXX, ect. They are calling my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
When it came time to repay my private loan Navient was completely unwilling to work with me on payments. More than $ XXXX a month is not affordable when that is pretty much all that you make. My co-signer just received Social Security now. We have XXXX loans reporting as delinquent monthly on our now destroyed credit with no relief in sight with interest ballooning the payments. I wish they had just never given them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: NJ

Complaint narrative:
I speak with Naient multiple times a week regarding lowering my student loan payments. They will not work with me, I can not pay the full amount but I can make a smaller payment. They have spoken to me condescendingly and become nasty with me. They call repeatedly throughout the day and they have contacted friends and family even though I willingly make contact with them and speak to them regarding my current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a threatening " time sensative '' letter from Bank of America on XXXX/XXXXXX/XX/2015. The notice was in regards to a Partial XXXX XXXX they 're servicing on behalf of HUD. I was to sign these documents along side a notary and return them to Bank of America. Bank of America told me to contact them and they will send a notary to me. I comtacted them XXXX times, and no one could help me because my SPOC was never and has never been available. I even scheduled a time for someone to call me and they called on the wrong day and time. I am a single mom and am trying to do everything possible to save my home. I feel as if Bank of America is pushing me into foreclosure on purpose. I do n't even know what my SPOC sounds like because he has not XXXX contacted me. The craziest part of it all is that if your SPOC is n't available, their policy is that NO ONE else can assist you. How do they expect a customer to know anything if your SINGLE POINT OF CONTACT does NOTHING to contact you and help you save your home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I am a Realtor, representing a seller of a flooded home in XXXX, LA. The owner has flood insurance and a check has already been disbursed and forwarded to Bank of America and is in their escrow account. We now have the house under contract to be sold, and BofA will not cooperate in providing a pay-off so that the act of sale can be conducted. We have been stalled for 3 weeks, and are getting nowhere in dealing with the pay-off department.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Never once be able to make any payment because they payments are to high thend try to set up forbearance and never received all the paper work that I needed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went to bank of America on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Unbeknowst to me, a friend has a loan with Sallie Mae. I was unexpectedly called by an employee of Sallie Mae asking the whereabouts of my friend. This was an incredibly intrusive call and upsetting. I had never given my permission to be contacted in this fashion. I asked for his information to follow up. The employee 's name is XXXX XXXX, Counselor for Recovering Income, at XXXX XXXX. His number is XXXX XXXX XXXX XXXX. His supervisor is XXXX XXXX. My friend later explained to me that, although Sallie Mae has her contact information, this employee had similarly called all of her friends, family and even a neighbor. I was shocked to hear this and wanted to ensure the correct supervising authority was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
My wife and I short sold our home in XXXX. The home officially was sold on XXXX. Settlement was reached with GreenTree Servicing and account was closed in XX/XX/XXXX. At some point since then Ditech Financial merged or assumed control of GreenTree Servicing. In XX/XX/XXXX Ditech Financial reported to the the credit bureau that we were over 150 days late with payment. As stated before the account was closed in XXXX. I have attempted to resolve this with Ditech repeatedly to no avail. They consistently promise to send me documentation indicating that the mark will be removed from my credit and spelling out there was no missed payment in XXXX. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and today XX/XX/XXXX. Each time I speak with them I am told a letter will be generated and emailed to me with 3 business days, however, I have never received anything. I also sent a certified letter to Ditech mailed out on XX/XX/XXXX. I filed a dispute with XXXX credit bureau on XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My Bank of America credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Bank of America refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Bank of America still continues to deny my fraud claim and is demanding that I pay the amounts charged.

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 2015-11-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
The Bank of America, where I have had a checking account for many years and live abroad, continues to reduce the scope of its communications with its customers, reducing the topics acceptable on chat and on email. This is the second complaint I have made. The head office promised last time to improve, instead it is worse. 
Also, despite a free phone number for overseas calls, it is not operable, as a digital voice message does not match with the operator nor automatic phone connection. 
Previously, the bank offered all options, message, chat or phone, for all topics. It seeks cost savings at consumer expense.

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