vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-25 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: MA

Complaint narrative:
I did a settlement with my Navient account through the collection agency XXXX XXXX XXXX. I paid the settlement and received confirmation that it was paid. 

Navient is refusing to send me a XXXX form which they are required to do by law. I need this form to file my taxes. Navient told me they are n't sending me the settlement form because I did n't pay a higher settlement amount, after I called their customer advocate department repeatedly requesting that they mail my XXXX. The collection agency agreed to my offer on Navients behalf, and confirmed that the settlement had been finalized. 

I have no problem with the collection agency. But Navient themselves have refused to give me my XXXX form by mail, and the reason they say they wo n't give it to me does n't make any sense. They said I should have paid more on my settlement. But they agreed to the settlement that their collection agency accepted from me on their behalf.

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

Complaint narrative:
After years of being harassed and bullied for not being able to pay what they demanded, I was finally enrolled in a 'program ' that halved my payments XX/XX/XXXX. XX/XX/XXXX, I was on workers comp, and still made the effort to pay when they called me relentlessly to make a payment. I found out through XXXX different 'representatives ' that the 'program ' I had been enrolled in had expired and the six previous payments I had made went to my federal loans. I requested the six payments to be payed to the private loans since they were demanding a large sum of money to be paid at once that I did not have. It was the next phone call I received that I was informed the six payments were reduced to three because the program had expired. There was no offer of another program to be enrolled in and so federal loans were sent to a collections agency who is currently garnishing my wages and is n't allowing me to make payments to my private loans. I can not possibly pay both private and federal with what little I make and still pay my bills, etc. I have spent twelve years reasoning with salliemae/XXXX and now I can no longer face another demeaning, round a bout, phone conversation. They do not help those of us trying to make payments, they have only bullied, harassed, and hindered my progress. I am made to feel ashamed by every representative I have spoken with. XXXX I dwell on what enormity this situation has blown into and I can not see a way free or at least through. Despite their efforts, I have finally received my XXXX and am trying desperately to complete what is necessary for my resume/XXXX to get higher paying jobs that I schooled for so I can pay them off for good.

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

Complaint narrative:
My loan is through Navient. Coming out of college ( XXXX ) they wanted {$1200.00} a month, which was impossible. They offered me a reduced payment plan which turned out to be an interest only payment which caused my loans to go up instead of down. Which does n't make any sense because if I was paying interest why was the loan going up? They now require {$1400.00} a month and offer no help except interest only payments again ... which will only continue to put me into more debt for a longer amount of time and pay them more than XXXX of my lifetime earnings. I have already paid them almost {$86000.00}. At this rate it will take XXXX years to pay the debt and they will receive about {$460000.00} for what was originally {$160000.00}. The company has also told me I have defaulted on these loans. An untrue statement and I have printed all my bank acct statements to show a payment each and every month since loan payments were due. 
They have also continued to raise the interest on my loans. XXXX of these loans is 10 %! How is this student help? They were dishonest in offering repayment plans that are no help to me and also in information they have given me about my loan and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 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: MI

Complaint narrative:
I attended XXXX XXXX in XXXX, California. I took out a federal loan for school and I have been paying it. The school then proceeded to take out XXXX private loans out in my name without my consent or knowledge. I have expressed this to the loan company NAVIENT, when they called me 3 years after the school applied for it. They refused to send me any " proof '' that they claimed to have. I have never received any information about the loan, yet it 's on my credit report and I have been disputing it since I learned that I could. This has caused a huge grievance on my credit score and therefore reflects poorly on me as an adult, making it difficult to apply for an auto loan and eventually a mortgage XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I modified my mortgage with Bank of America in XXXX XXXX. I have paid my mortgage on time each month since that time. XX/XX/XXXX I receive a package from Bank of America stating that some of the documents from my modification contained errors that prevented them from recording the modification with the county. Included in the package were XXXX separate sections needing signatures : The Loan Modification Agreement, the Amended and Restated Note, and a third signature page with the words, " Page XXXX of XXXX, '' on the bottom, missing any accompanying page XXXX for that particular page. It is a different font and format to either of the other sections, so it clearly is a separate section. 
The package offered a {$500.00} compensation for my inconvenience and offered to send a notary to our home at no cost. 
We ignored the first XXXX sets of paperwork but by the XXXX set we began questioning it. We brought it to an attorney who advised us not to sign it for at least XXXX reasons : the amended and restated note changes the terms of the original modification by adding an entire section titled Grounds for Acceleration of Debt ; and because of the section that includes a page XXXX without the accompanying page XXXX. This is not erroneous, as the packets came with this signature page and no page XXXX in each of the XXXX packets. 
When I called to inquire about these concerns, I was told that the page XXXX was a printing error, and that it was simply a continuation of the page XXXX of the Loan Modification Agreement but that both would still need to be signed. As I noted before, the font and format of these pages are completely different and thus the mortgage company lied to me and is deliberately hiding something from me. They are trying to pressure me into signing this page with false information. With regard to my concern about the additional terms that change the original modification I agreed to, they simply said it had to be signed or the modification would not be recorded and I would have issues when trying to sell the property. 
I am trying to put the property on the market and need this resolved before we find a buyer, otherwise Bank of America 's mistakes will cost me a lot of money. This entire situation is suspicious due to the fact that six years have passed since the final paperwork was signed but only now they 're trying to fix whatever mistake they really made. I need answers and I believe Bank of America 's actions are unethical at best and criminal and fraudulent at worst. 
I have included XXXX sets of documents ; the XXXX is the packet we received XX/XX/XXXX and the XXXX is the original documents from our modification. I have additional documentation if needed.

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 2015-06-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We had a Bank of America home equity loan protection plan, that they cancelled without offering anything to fall back on. How can the bank we have our mortgage and home equity loan through, just cancel it without helping the customer 's find another protection plan, or other alternative. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please.

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 2016-09-27 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: CA

Complaint narrative:
3rd Request for Resolution : Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - Bofa never listed that we had " missed a Payment until mid XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the third time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.

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 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We are business and private customer at Bank of America since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Bank of America immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Bank of America again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Bank of America who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as " VALUED ' customers ( like Bank of America always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Bank of America is " playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.

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 2015-05-06 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: MN

Complaint narrative:
To Whom It May concern, I had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Bank of AmericaXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Bank of America MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Bank of America 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Bank of America had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Bank of America 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Bank of America please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello. I started my application for a HELOC ( home equity line of credit ) on XXXX/XXXX/16 and provided all necessary documents in a highly timely fashion as soon as requested ( usually in the same day if not within the week at the latest ). The application process dragged on such that I was told verbally that this was going in circles on XXXX/XXXX/16. I was completely misled as I was told by the senior loan officer and bank manager personally that the HELOC would be secured by end of XXXX 2016 at the latest.

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 2015-08-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
on XXXX XXXX 2015 at XXXX I walked in to Bank of America in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back,

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