vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
The wrong balance have been reported for my student loan, when I left XXXX college I paid money before I walked off the campus to a young man who worked in the office. He was leaving and so I trusted him to receipt that he had got that cash. I continue to do my paperwork, and even talked to XXXX XXXX rep on the phone, who told me what paperwork I needed to turn in while still attending another college. I faxed it in to XXXX XXXX, however they started taking money from me in XXXX, I disputed the amount on my credit report as wrong, XXXX, they continue to take money but reported the same amount on my credit report with no change since XXXX.Each time I went to get a loan, a house the amount would show the same amount from XXXX and it would not show that they had received payment or even now when I have money coming out of my card they said they could not show the amount coming out to increase my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a HSA account with Bank of America, I called to close my account. 
The first lady said no problem, she would transfer to to my BoA checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.

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 2017-02-14 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX XXXX, 2017, I went to the Bank of America branch at XXXX XXXX XXXX, XXXX to deposit {$20.00} into XXXX of my sons bank account as a gift for XXXX Day from his mother and father. 

He lives in XXXX and there is a problem with mail theft in his building, so we do not mail him anything of value. 

Bank of America would not let me deposit the {$20.00} into his account unless I allowed them to copy PII ( my driver 's license ). I did show them my license. 

I have no association with the Bank of America and have no reason to allow them to copy personably identifiable information that may be used for non-security purposes or lost. 

Is there a federal law or regulation that allows a bank to mine information when XXXX is making a deposit of funds that is under the {$10000.00} amount?

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 2017-03-08 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My name is XXXX and I reporting BANK OF AMERICA XXXX, TX XXXX do to false credit report. I called the customer service on XX/XX/XXXX requesting to remove the incorrect information in my credit report from dates XX/XX/XXXX and XX/XX/XXXX by XXXX of over of credit limit the representative responsed that was n't possible to remove it in which I believed is unfair since my credit score decrease by a XXXX points. I will like this agency to take matter since, I consider that many other people like myself are in the same situation. If you need any further information please contact me at my e-mail XXXX or my mobil XXXX. Thank you Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I signed a loan with XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX, that has since been transferred to Navient. During my initial repayment period, I had no issues with Navient. Since they have " updated '' their website, I do not receive e-statements ( causing me to send late payments ). For the past year I have been XXXX and on automatic deferement. When I ceased to be XXXX, I never received a statement ( paper or email ). The initial contact was from my mother ( she is a cosigner and received mail ). Shortly after I received an email saying I was deliquent. This was in XXXX XXXX. I immediately made arrangements to pay made sure all my prolfile information was updated. To date, I am still not receiving statements, but yet I get non-urgent email regarding change of payment address for the servicer. I also understand they have many consumers and can not indefinitely store previous statement/payment information, but consumers should always have access to the original promissory note they signed for an account, without having to call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: IL

Complaint narrative:
navient XXXX was told i could get my co signer off of it after paying 9 x in a row didnt happen, they stopped taking money from my account after the 9th month and still continued to call. split my loan into alot of small loans to subsidiaries and call me all day from all kinds of different companies that i do not know/trust and will not answer. Took my loan out of default, then it instantly changed hands to another company within navient and is currently harassing me with phone calls XXXX. paid a fee back in XX/XX/XXXX or XXXX, to consolidate my loans ( private ) into XXXX loan and they did nothing. Was told when i first started college that I would only have XXXX loan instantly had XXXX i didnt know about till i graduated ( mostly XXXX 's fault. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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:
On XX/XX/XXXX, I received a call from Navient claiming that I did not make my XX/XX/XXXX payment. I pay my student loan bill EVERY MONTH between the XXXX and the XXXX of the month, and have not missed a payment since I began my payback in XXXX. I sent them a copy of my bank statement to prove that I did, indeed, make this payment, and I was told they would get back to me. I then got another call more than a week later claiming that I also did not make my XXXX payment ( which was sent by my bank on XX/XX/XXXX ). After calling AND emailing them my proof of payments, they came back by saying they were going to investigate what happened to my payment. It turns out that the XXXX payment ended up being applied to my daughter 's student loan ; however, it was not the loan that I co-signed for her. It was ANOTHER of her loans that did not even have my name affiliated with it. While they retroactively applied the payment to my XXXX bill, they are still claiming I never paid in XX/XX/XXXX. In the midst of this issue, Navient sent me a XXXX payment history, which I checked against my bank statements. I discovered that I was never credited for my XX/XX/XXXX payment at all. I sent them proof of payment and asked why they never claimed that I was late for XXXX. I would have sent the proof back then if they had made that claim. Instead, they took my money and did not credit me at all. So out of the past four months, this has been the issue : XXXX they were paid, yet I was not credited ( sent proof of payment ) XXXX no issues XXXX claimed I did not pay ; they had credited it to one of my daughter 's loans and not mine XXXX claimed I did not pay and have not corrected the error as of yet. 
I am going to have to go back to XXXX to double check each and every payment to see whether or not I was credited accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, XXXX I applied for Mortgage assistance to Bank Of America, which WAS my primary mortgage holder. ( Bank of America Loan # XXXX ) We have been working with XXXX XXXX since XXXX XXXX, trying to get assistance for a predatory HELOC loan with a fixed balloon payment that came due in XXXX XXXX. 
My husband and I have faced financial hardships due to the downturn in the economy and subsequent bankruptcy. We are self-employed but have not missed payments on our mortgages. 
XXXX XXXX keeps denying us any assistance telling us we can not prove affordability and told us that if we could modify our primary mortgage under a HAMP program, they would consider giving us assistance on our second mortgage. 
We have applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. 
We contacted Bank of America for assistance and was assigned a Home Loan Team Specialist, XXXX XXXX XXXX who guided me through the application process. 
On XXXX XXXX, XXXX, we submitted a Request for Mortgage Assistance, with follow up documentation as requested in early XXXX, XXXX. 
Then, without any response to our application, Bank of America SOLD my loan. I was sent a letter dated XXXX XXXX, XXXX notifying me the servicing of the loan would be transferred to XXXX XXXX XXXX XXXX. On XXXX XXXX, XXXX the loan was transferred. 
I was not able to get any further assistance form BofA and was not able to get through to my assigned representative. 
I was told that XXXX was aware of my application for assistance and advised that I could speak with them about mortgage assistance. I followed up in conversation with XXXX, but was met with unfriendly, unwelcoming advice. 
We had applied XXXX times with XXXX XXXX, only to be denied. Our last submission was in XXXX XXXX, XXXX. My present Home Preservation Specialist called me on XXXX/XXXX/XXXX to say I was denied again, and I am waiting a letter with their determination. The rep told me that they can not help me under any government program because it has to start with my primary mortgage ... so I restated to them what happened with BofA when I applied for assistance, and they sold my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: MI

Complaint narrative:
My private student loans through Navient were in a repayment status with a reduced interest rate which made my payments affordable. Without my consent or knowledge they pulled my credit and determined I was able to make full payments. My credit report tells them that I have been working hard to pay on time, it does n't tell them that I can afford to have my interest rate increase to 10 % from 1 %. I was pushed to make a payment which was 25 days late ( because I could n't afford to pay the new monthly amount ) in order to be considered for an extension on the reduced interest rate program. After the representative noted I had made the payment, then she noticed that I was not eligible for any repayment options and that there was not a supervisor to speak with. Her employee ID is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
Bank of America bought out my mortgage from countrywide. While XXXX to XXXX I got behind and bank of America allowed me to do a 5 year loan modification program at 3 % and stated as long as I made all payments and stayed up on my payments at the end of 5 years I could then do another loan modifaction/refinance at a similar rate. At the end of 5 years and not missing any payments and fulfilling all obligations bank of America refused to refinance and assigned my loan a 9.5 % interest rate. Sometime during the 5 years bank of America quit doing loans on my type of home which is partially a manufactured home with additional wood construction. I was not given any options or choice, bank of America refuses to refinance leaving me stuck with an obscene interest rate. So even though I was told that if I full fill all of my obligations in the terms of the 5 year refinance I would be able to refinance at a competitive rate. This refusal was not because of anything I did but because bank of America decided they no longer finance this type of home. I have made numerous phone calls to bank of America and every time I am told there is nothing they can do.

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 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
According to the Bank of America FICO score report, one of the key factors affecting my score is " Number of accounts with delinquency. '' On the same report, BOA states that they base this information on XXXX data, against which I have also filed a complaint. As per a BOA relationship manager ( after talking on the phone with their credit card department ), BOA can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to BOA to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.

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 2016-12-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
After entering some basic information into the University XXXX website, I had received several calls in a few days ' time. An enrollment counselor contacted me to ask about my interest and aggressively pursued my enrollment in coursework for a XXXX Degree in XXXX from the XXXX University XXXX forum, explaining a XXXX degree would boost my chances of getting a high-paying job in the field of my choice. The format and cost were explained and the first course started the following Tuesday. I began the coursework expecting preparatory instruction for the beginning of a career. I was, in fact, given little guidance toward a secure, high-paying job in the field and I believe the education i received in this coursework has not expanded my opportunities for a career in the way I was led to believe.

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

Complaint narrative:
I have loans with Navient/XXXX and I have been affected by their illegal and unethical business practices. I have had payments incorrectly allocated to my loans, been put on forbearance without requesting it, was not allowed to apply for an income-based repayment plan or any other plan to help lower my monthly payments, and I was sent multiple generic emails that ended up being very important documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We contacted you on XXXX/XXXX/XXXX with concerns with Bank of America not willing to work with us and we were assigned complaint # XXXX. We were contacted by XXXX XXXX with BOA on XXXX/XXXX/XXXX to say he would be getting back with us within 1 week. We did get a call back on XXXX/XXXX/XXXX to say they still needed more time. I also called XXXX on XXXX/XXXX/XXXX to let him know our closing date is being moved up to XXXX/XXXX/XXXX so we need the payoff right away. We were trying to be understanding but we really do n't understand why it would take this long to give us a payoff without the late payments and back interest. We also requested to have the late payments removed from our credit with the payoff so that we will be able to purchase another home. 
I could not believe the doorbell rang and it was a certified letter from a foreclosure attorney representing Bank of America and the letter was dated XXXX/XXXX/XXXX, We 're attaching a copy for your review. This is definitely another indication of the way BOA treat their customers because while XXXX is on the phone telling me they need more time we get served these papers so what is the more time for. As we stated in our initial request BOA had no intention of helping us when I first contacted them XX/XX/XXXX because the first thing we requested was an extension on the balloon payment to give us a change to sell the house and we were told no. Now that the file is with an assigned foreclosure attorney this is damaging our credit even further and keeping us from home ownership. This more time is an excuse and we are scheduled to close on the sale of the home on XXXX/XXXX/XXXX, so we really do n't have more time we really need help now from someone who cares

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 2015-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, I XXXX XXXX closed on a property which was sold to me by XXXX XXXX. Warranty Deed and Deed of Trust were written as XXXX Assumed Name, Fictitious, Trademark name. I became unemployed for over 2 years in XXXX and throughout that time requested loan modification through at the time I thought was the Servicer for the Lender Bank of America. Bank of America sent paperwork with XXXX parties I had not heard of which excluded the XXXX. The XXXX parties named are XXXX ( who had a name change in XXXX to XXXX, XXXX ) registered under the United States Patent and Trademark Registry No. XXXX. Secretary of State Texas, Tax Compotroller of Texas, Banking Commissioner of Texas, the OCC, and The National Mortgage Lending Services have all identified the XXXX as a DBA which is filed on the United States Patent and Trademark Registry # XXXX XXXX. Bank of America knowing that XXXX was never a Corporation, issued a Deed of Trust with a fictitious Lender. Furthermore, the Note was never endorsed by Bank of America until XXXX, XXXX Which is a rubber Stamp that states " Pay to the Order of '' Without Recourse Countrywide Home Loans, Inc DBA XXXX. This is clearly not how the Deed of Trust or Promissory note is written. A new Party joins in the mix as XXXX as Current Mortgagee. After contacting XXXX, I am advised by XXXX XXXX XXXX that XXXX is not the Lender nor or they the owner of the Loan or the property. However when the property was foreclosed on XXXX XXXX, XXXX, a Deed in XXXX was filed which named the Owner of the Property XXXX with a Bank of America address. This alleged loan XXXX has several issues with it to which the Consumer Financial Protection Agency never helped the consumer with an investigation. The Consumer Financial Protection Bureau never did anything to look into the Deed of Trust with a Fictitious Lender, how did it make it to the Trust as a Legal Binding Document? XXXX is a name, a slogan. It is nothing that would say anything about a Corporation or Financial Institution which legally held the means to be a Lender. XXXX sold the property to more investors XXXX XXXX XXXX XXXX TX XXXX who has hired attorneys to evict me from the property. I do not have a legal Lender and XXXX has already put in writing they do not Own Loan or Property. Who created these Appointment of Substitute Trustee documents, filed them, and who legally purchased property at Auction? Title is not a Clean Title.

Company public response: Company 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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I currently have a total of {$58000.00} in student loan debt with Navient. After 2 years of never missing a payment, I noticed my principal balance keeps going up and not down. When I asked Navient they claimed it was due to " daily accrued interest ''. This just can not be the case. I have been tracking my increases since XXXX XXXX, 2016 to today. The average increase per week is {$85.00} added to the balance. I have tried working with Navient but they never have any answers to my questions.

Company response to consumer: Closed with explanation