vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 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: TX

Complaint narrative:
Navient has been the servicer of my student loans. ( Just today, I completed an agreement with the XXXX XXXX XXXX XXXX to consolidate my loans and change to a different lender, so I am not sure where my status will be when you get this. ) On the Navient website, when I look at my account, loans are listed that have been paid off by me, but are NOT loans that I took out. They are listed as XXXX XXXX of XXXX XXXX. I have spoken to Navient about them on multiple occasions, with no satisfactory resolution. The responses I have gotten include 1 ) getting disconnected on the phone when they tell me they are getting a supervisor ( This has happened so many times. I have made them promise they would call me back if we get disconnected. They never ever do. ) 2 ) Sending me copies of a promisory note that has nothing to do with XXXX 3 ) Telling me they will look into the matter and let me know in 7-14 days. They actually CALLED ME today ( first time! ) in response to the comment I made on their " survey at the end of the call '' regarding contacting the Bureau of Consumer Protection. I explained my probelm. It sounded like they were taking good notes. This time they said they saw the problem and would send me a response in the mail in 7-14 days ( response # XXXX above ). She said it could be a computer input error. I want to know how I can get my student loan payments audited to find out if my payments have been applied appropriately - maybe there have been other " computer input errors ''. I took these loans out about 30 years ago and I think I STILL owe more than I originally borrowed! How do I know my payments have been correctly applied? How do I know the interest has been correctly calculated and applied? How do I know if these are really all my loans? I have a low level of confidence in Navient 's integrity and quality control. I selected " Federal Student Loans '' on this complaint process, because the loans I have taken out have been federal, although I do n't know what the XXXX. of XXXX XXXX is - probably private, so I hope I am routing this to the correct department. I am attaching screen shots of what I see in my account on Navient 's website, as well as my XXXX XXXX XXXX from XXXX. How do I get my student loan history audited??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. Bank of America closed a residential mortgage loan based upon the forgery of my signature on the Security Deed associated with the subject residential mortgage loan. datedXXXX XXXX, 2007. 
2. Bank of America closed a residential loan as mentioned in paragraph XXXX, based upon fixing of my name where signature of my name printed below the space that was prepared for my signature, on the Promissory Note also dated XXXX XXXX, 2007. 
3. I was not aware of a closing nor present for a closing, nor did I grant anyone Power of Attorney in association with above transactions. 
4. I received a notice of my alleged indebtedness, therefore I requested from Bank of America a copy of their file to support the alleged indebtedness that I was told that I signed. I was sent a copy of the Promissory Note which is attached hereto.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX/XXXX/2015 I put in for a loan modification with Bank of America back in XXXX 2015. I was six months behind on my mortgage. BOA came back said I was n't eligible for modification but they would put the loans payments that I was behind in the rear and extend my loan. Bank of America put me on a XXXX three-month trial mortgage payment of {$950.00} that I completed on time. I received the permanent modification paperwork and fax it back XXXX XXXX 2015 conveniently enough for them they did n't receive it so I refaxed it XXXX XXXX 2015 my case manager said do n't worry about it that would be fine. I received a letter on XXXX XXXX stating they did not receive my signed agreement and that I was denied for the modification and now I needed to start an appeal. Even though my case manager told me she had the signed copy in my file. I been getting the runaround they ca n't seem to find my paperwork I faxed at least XXXX times. I asked my case manager when would my second mortgage be looked at for a modification she told me she 'd start that day and asked me to fax a copy of my paycheck which I did XXXX times because they said they did n't get it. I soon received a letter saying I was denied for my second mortgage modification because I did n't make enough money, my salary is over {$50000.00} a year. I told my case manager that did n't make sense I thought this program was to help people that could n't make their payments. Now my case manager will not return my phone calls every number I call to BOA it sends me back to my case manager she 's never there, she does n't return my phone calls. I tried calling her supervisor he does n't call me back I 'm at my wits end I do n't know what to do. I called the housing assistance Corp they are the ones that helped me with modification in the beginning and she told me to put in a complaint with you, all I 'm looking for the little help to save my home. I see the balance on my mortgage getting bigger and bigger with the fees and the late charges please help. 
Thank you, XXXX XXXX/XXXX/15 Before completing this letter I received a letter today from BOA stating that my appeal has been denied. They stated that I was denied because they were unable to review my loan modification appeal because it did not satisfy the requirements for the appeal set forth the evaluation letter for example it may have been received after the deadline for an appeal or it may not have contained each of the required documents for the appeal. This makes absolutely no sense to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a home loan with Bank of America Loan # XXXX. I have been unemployed since XXXX XXXX, XXXX and on XXXX XXXX, XXXX fell behind on my payments. I contacted Bank of America in the XX/XX/XXXX to let them know that I may fall behind in the near future and was n't sure I would be able to pay for XXXX. I had contacted HOPE and based on the information I gave them the counselor said that I qualified for an unemployment forbearance. When I spoke to Bank of America the account manager I spoke with said " we can not help you because you do not have income coming in. I will send you a loan modification packet because we by law have to send it. '' I filled the paperwork out but they have been dragging their feet and not giving me an answer when they already said they could n't help me. I feel they are stalling so that my house will go into foreclosure so that they will have to do a short sale of the property. I am in the process of putting my house on the market because I feel that Bank of America is not willing to work with me on programs I may qualify for. I feel they are purposely stalling the process when they are going to deny me help anyway so that they can profit from this. I only have {$3100.00} to my very name and need money to survive until I can find employment. They are fully aware of my situation and finances due to the modification paperwork I filled out and even though they know how desperate my financial situation is, they are refusing to look out my best interest because they are a business and looking out for themselves. I would like to be able to make a profit from my home in order to stay afloat. Bank of America truly needs to work with homeowners who especially want to remain in their homes and who like me have NEVER missed or been late on a payment. I would like for them to stop the deceptive practices and value their customers more instead of always looking out for themselves. I personally want them to understand and work with me to gain a profit due to my situation. We make their business and I have informed them that I am going to get on social media and let everyone know what type of bank they are and that they care nothing about customers but their bottom line. 
Sincerely, XXXX 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 2016-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America stated I was not qualified because of my debt to income. However, they did not take into account the new payment which went from {$270.00} to over {$1000.00} per month. Further, they did not take into account rentals that are no longer occupied. Only XXXX representative has contacted me during the last XXXX complaints I have filed. A representative called me on XX/XX/XXXX to simply state that I did not qualify. I asked for other solutions to which she had none. All their information was based on documentation I have had throughout the last year. Much has changed, no one will assist. They have a recording that states " We are here to help '' They have not. They will not. I will go public with these complaints and send copies to my congressmen. I also would like to know if there is a fear of backlash that is preventing the CFPB from going ofter such big banks as Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The bank that holds the mortgage for my house is charging me litigation fees of {$1100.00}. I have never missed a payment and I have never been late with a payment. I called Bank of America several times and requested to find out when the fees where incurred and which litigation they pertain to. They have not provided me with any information whatsoever about these fraudulent fees.

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 2015-06-11 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America ( BAC ) sold accounts to XXXX XXXX. My accounts were part of the sale. I chose to go with a different bank. I called XXXX on XXXX/XXXX/15 and requested closure of XXXX checking accounts, XXXX money market accounts ( MMA ) and XXXX visa. Accounts were closed immediately for all but XXXX MMA. They said because it was over {$20000.00} it had to go to the Back Office for closure and would take about XXXX business days. On XXXX XXXX I received a letter ( it was dated XXXX XXXX ) from BAC saying I needed to sign and have notarized an authorization form to close the account ( BAC Reference # XXXX ). Same day ( XXXX XXXX ) I signed, had it notarized and deposited in the mailbox ( in an envelope provided by BAC ). The following Tuesday or Wednesday ( XXXX XXXX or XXXX ) I called to verify that the document was received and the account closure was in progress. They could not verify that it was received but said the account closure was not in progress. I offered to scan and send a copy of the form. They said they could n't close the account off of a copy. I was also told it may take a couple of days to process the request once received. I called back again on XXXX XXXX and talked to a manager, XXXX, who said he went into the system and requested immediate closure ( BAC Reference # XXXX ). He said he did n't need to notarized document to do this. I called back on XXXX XXXX and was informed by a XXXX XXXX that the ticket was closed but the account was still open. No action was taken to close my account. I asked to speak to a higher level manager so that I could get my account closed and receive my money. XXXX XXXX said he would have his manager contact me. I have never been contacted. It is now XXXX business days from the original request to close ( XXXX XXXX to XXXX XXXX ) and my XXXX larger account is still not closed. All other accounts are closed. I was never provided checks for this account and there is not a Bank of America office where I live so I have no other way to get my funds and get my account closed except through this process. Had I known the issues I would be facing now I would have transferred most if not all of the funds to my checking account before requesting closure. It is my belief that Bank of America is stalling on closing this larger account so that it is transferred to XXXX XXXX and the portfolio of deposit accounts/relationships sold to XXXX XXXX remains higher than what it would have been if accounts are closed as requested. I suspect others may be experiencing the same issue that I am.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Lender did n't notify that insurance had been canceled and the Insurance company was sending notices to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.

Complaint narrative:
I was tricked into an online learning college scam and ive become aware of it a few months to this day. I was pursuing a dream of becoming XXXX, but unfortunately I was not lucky at the moment I enrolled in an online institution because there was no XXXX degrees being offered at the time XXXX of Puerto Rico. So I decided to entrolled at XXXX XXXX ONLINE to start pursuing a career XXXX. I asked for several loans to pay for the courses I was enrolled in and transactions were made between the education institution and the financial lender Salie Mae to cover the expenses of the degree, which were pretty expensive. XXXX XXXX XXXX was charging me {$300.00} per credit and the concentration courses were even XXXX credits, each course lasted 9 weeks and I only lasted 2 years before finding out that a college in Puerto Rico, XXXX XXXX, was offering the same degree, and I didnt had to pay a cent for the same education and even a better one. I was told that not even XXXX charges {$300.00} per credit. Now I have my degree but there is still no jobs XXXX, neither I have being able to start my own business due to the poverty level im under. I survive by doing a job here and there, by donations my parents give me and by welfare I got at the moment of enrolling in XXXX XXXX due to the benefits a student renter has for having such low income. 

I understand that there is a debt forgiveness doctrine practiced in the economic world. Similar to XXXX XXXX XXXX where every seven years debt must be forgiven. There had pass 8 years almost and yet, my debt has not been forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: MD

Complaint narrative:
I have two separate issues. 
1- I have been paying for 6 years and my balance has in some cases gone up. The interest accumulated exhorbutantly while still in school. I do not see how these will ever be paid. 
2- I am in a rate reduction program, for 15 months, and every month they mis-allocate he payments and I get calls and letters telling me I am delinquent, sometimes by a few cents. I call every month and it takes an hour to clear up. Also, last month, they " double dipped '' and took two payments. I consider this incompetence and harassment. It is horribly stressful, and no amount of " working with them '' is helpful. 

The loans, XXXX for XXXX daughters, are with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of fraud.The DOJ has convicted XXXX XXXX to XXXX yrs in prison for mortgage fraud. I happened to be one of his victims. I sent my short sale to BofA on XX/XX/2016. it was processed and XXXX XXXX the negotiator sent my realtor an email stating that until we get the fraudulent lien off the title BofA would not be able to process the short sale.My agent complied with BofA 's request and they turned around and set a sale date on my property for XXXX XXXX 2016. This is a dirty trick by BofA. I would like some help here in getting the sale date removed until I can get the fraudulent lien removed. My compliant number at the DOJ is XXXX : XXXX. The complaint was filed XXXX XXXX well before BofA declined my short sale because they did n't want my file to be in their que.

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 2015-06-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Pioneer credit recovery has been harassing me via phone with non stop calls. They are calling my job discussing my debt with people on my job and call people at home, They are calling the human resource director at home and now I may lose my job. Please help. My name is XXXX XXXX. Student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 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: PA

Complaint narrative:
A different company took over XXXX XXXX while I was still in school, changing the rules to how you can pay back your private loans. There are no options for me to lower my monthly payments on my private loans, or to consolidate them. The monthly price for all of my private loans is variable every month, ranging anywhere from XXXX dollars. I can not afford this monthly, how do they expect people to pay back their loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed a home equity line of credit to Bank of America. It was not approved and I have requested to the bank to return me back my personal information : tax return and other information for the application. The bank refused and want to keep my personal information forever. Is the bank has the right to keep it?

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 2016-03-29 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: AZ

Complaint narrative:
I am on an income based repayment plan through Navient. I submitted my yearly tax returns to have my payments reassessed. On XXXX XXXX I got an email that the payment term for my loans had changed and my next payment amount was {$340.00} due on XXXX/XXXX/16. On XXXX XXXX I got XXXX emails. The first said that the payment term for my loans had changed and my next payment amount was {$360.00} due on XXXX/XXXX/16. The second said that the payment term for my loans had changed and my next payment amount was {$51.00} due on XXXX/XXXX/16. On XXXX XXXX I got a monthly statement email that said my next payment amount was {$760.00} due on XXXX/XXXX/16. When I logged into my Navient account to check which amount was correct it said that the auto-pay would bill my bank account {$760.00} on XXXX/XXXX/16 and XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient is now in charge of the small remainder of my student loan debt. They recently changed the terms of my loans without my consent. They changed my payment of {$220.00} per month to {$50.00} per month so they can tap me dry in terms of interest payments. I could change my online payment terms online because I was lucky enough to be paying attention to these sleazy tactics, however, shockingly enough, there is no way to do that online. Online, I am simply told my online payments are set up already and there is no way to change the terms. THIS IS UNCONSCIONABLE AND SELF-SERVING. Everyone should be aware of Navient 's tactics to tap their creditors dry, particularly with regard to student loans which are supposed to have a modicum of protections involved, by ahem, the Department of Education. UNCONSCIONABLE.

Company response to consumer: Closed with explanation