vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Little over 2 years ago I applied and received a loan mod for my FHA loan. I completed the trial period and was able to pay the loan on time. In the meantime I was no longer able to work due to a XXXX. I applied for XXXX, the waiting period for a court date was 2 years in itself. In the meantime my house hold income was also reduced because of a separation with my wife ( which is still the case ) reduced my monthly income, disallowing me to make partial payments to catch up my arrears. While I was waiting for this I was borrowing money from my parents to pay the mortgage in the interim. I did finally receive my XXXX last XXXX, 2015. I had to use my back pay to pay back my parents the money I owed them and still needed to pay more back to them. I ended up getting behind once again after 5 months or so as I was still paying everyone back. Once I started to get behind ( XXXX payments ) I immediately applied for a loan mod from BOA. During the pre-screening of qualifications they asked a series of questions. I also made clear to them that I did not know if because I had a mod. less than 2 years prior would I still qualify, based on that soley they said yes I would. 
A year went by they continually added hoops to jump through and in fact put hoops I had already jumped through in front of me again. At the end they said I did not qualify for a mod because it had been less than 2 years! Now I am at a point which I have to file for Chapter XXXX to catch the arrears up on my house. If they had told me from the beginning I did not qualify based on the initial information I could have went forward with the chapter XXXX and made it much more affordable to pay this 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 2016-10-03 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:
Hello, I sent in a check to Navient to pay off one of the my loans in full. I included a letter with the check and indicated on the check which loan the monies should be applied to. Navient did not apply the monies to the correct loan. The loan does not show it is paid in full. Instead they arbitrarily spread the monies through all ( XXXX ) loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
About inspection fee. I called bank of America to let them know that I will be late on my payment before the due date about XXXX days before they should send any body to inspect my home. But they charge me for that which is not right. If I did not call they can charge me but I called already, they should not send any one to inspect my property.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a complaint in regards to the loan modification process with bank of America. I applied for a modification in XXXX of 2015, submitted requested documents, never received a response XXXX way or the other. I called and submitted another request and was verbally told that the initial request had been denied because of erroneous information. I immediately made another request, submitted almost XXXX pages of documentation and now the bank is asking for a quit claim deed to proceed. I do n't understand why a quit claim deed is needed when it holds no weight and I have told the lender that I have no idea how to contact my ex husband, we have a divorce decree in which I provided to the lender that shows that the Petitioner which is myself was keeping the marital home. A quit claim deed does nothing, plus in the mortgage instrument it says you are not supposed to transfer title that 's grounds for foreclosure. I am months behibd and trying to resolve this issue, I do not understand why the lender needs a quit claim deed, even if I got one drawn up from an attorney, I have no contact information for my es husband so that would be a waste of money and time. I also have a problem with how long the lender is taking to render a decision. All of this time, the foreclosure action is still active, seems like if you are working with the lender on a modification, the foreclosure clock should stop until a decision has been rendered. I understand that a modification is not guaranteed, however during conversations every two to three weeks with the customer relations Manager, it sounds as if I qualify and meet the criteria and all that 's needed is this quit claim deed that holds no weight. My home is in foreclosure due to the lender sending multiple fed ex packages to the property address after I notified them that the property was a rental property and that I resided out of state, they knew this yet they sent so many XXXX envelopes to the property, it scared the tenant and she stopped paying rent, which caused me to fall further behind. I ended up filing a Chapter XXXX to hopefully to remedy the arrears, tenant stopped paying so I could n't keep up the Chapter XXXX payments and the mortgage, I informed the lender every step of the way about all of this, I had to take the tenant to eviction court, it took six months to get her out, I acquired a new paying tenant so I 'm asking the lender to attach the arrears to the principal balance, extend the loan term to 30 years and/or increase the interest rate. I do n't want to refile Chapter XXXX in this matter when I know there 's a better way with a modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NC

Complaint narrative:
I contacted Navient to get a lower payment and was denied. Also, asked about the original loan and school name and was unable to obtain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Account # XXXX. I recently consolidated my school loans with the Dept of Education ( from Navient ) .There were 2 payments released to Navient. The payments should have been made to the US Dept of Education. Unknowingly, I still submitted those payments to Navient. One of those payments ( {$8.00} ) was processed and transferred accordingly after I faxed over the evidence. It has been weeks since Ive heard anything about the 2nd payment. The payment in question was made on XXXX XXXX, 2016 from an ePayment ( {$170.00} ) with XXXX XXXX. That payment from me seems to be stuck in cyberspace and I am not receiving feedback about this transfer. I faxed over evidence showing proof with still no feedback ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited my paycheck to my checking account at Bank of America, in the amount of {$1100.00}, on Friday, XXXX XXXX, 2016, at XXXX. On my receipt, it indicated that my funds would not be available until XXXX XXXX, 2016, at XXXX. 
Since I am the XXXX at my place of employment and handle the XXXX, checked our bank account when I got to work today ( Monday, XXXX XXXX ) and I see that the money for my paycheck was deducted from the account on XXXX XXXX, 2016. So, Bank of America has had my money since Friday, and will not let me have it until tomorrow at XXXX. I called my branch, and all they said was " it 's based on your relationship with the bank. '' I 've had this account for about a month, so what relationship? I asked her what they do with my money for three days and she said " we do n't have it. '' " Then where is it? '' I asked. " I do n't know. '' She said. Seriously? She also said, " Well, the check could still be returned. '' " Really? After you already have the money? '' This wrong and they should not be allowed to do this.

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 — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX, which was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However, the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency, which for this account occurred in XXXX. By law, this account must be removed from our credit file and B of A must stop reporting the information to the credit agencies as it is past the 7 year reporting period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-22 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: MD

Complaint narrative:
I have filed a complaint against Navient prior to this for their reporting of information on my credit report. Navient sent me 2 email updates after I disputed several late payments that they were reporting on my credit report saying they were investigating and I would receive an update by mail when they were finished researching. When I filed a complaint on them, they responded by saying that there investigation showed that all of the late payments reported were correct and I disageee. Navient has failed to show me any proof of these late payments that they are reporting. I sent in my request and they received it on XX/XX/XXXX. If Navient has not furnished the documentation that they used to verify these late payments by XX/XX/XXXX, which is 30 days from the date that they received my notice, I would like for them to delete these late payments from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: TX

Complaint narrative:
Navient enrolled me into an income based program over the phone. The program required automatic payments to be enrolled in the program. ( which I agreed to ) The program also granted me a forbearance for the time I was being enrolled into the program so that I would not be considered delinquent. ( when I enrolled in the program, I was not delinquent ) On the phone, Navient asked when I would like for my payment to be drafted. I requested for the payment to be drafted when my deposit hit the bank. On the phone, Navient said I would be fully qualified for the program after 3 successful payments. I said that was fine, being that the money will be automatically drafted. After the first payment was drafted, I found out they reported that I was delinquent and I did n't make a full payment. I was never told that the automatic payment would not be considered a full payment, nor did they ask me to pay the full payment ( which I was able to do at the time ) I also should not have been deemed delinquent because I was granted the forbearance for 3 months. Navient told me it took 3 months to process my forbearance which was why I was reported delinquent and they will not go back and change anything reported. I have had several forbearance with Navient in the past and it never took 3 months to process. Also, what is the point in granting a forbearance yet still reporting me delinquent? I have written several letters to get this resolved and called several times and they refuse to correct my credit report even though they took my money, never properly explained the enrollment process and refuse to honor the forbearance they granted me. This incident is preventing me from obtaining other loans and having a great credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: MI

Complaint narrative:
I would like to file a complaint againist Navient formally XXXX XXXX. I went to school at XXXX XXXX XXXX of XXXX. My original loan was for {$35000.00}, now the loan {$100000.00} and climbing. We thought we paid {$17000.00} through a chapter XXXX bankruptcy which was to go againist the princle only, which did n't happen. A Navient representative say went toward interest only. I have XXXX student loans, XXXX is with XXXX the original loan was for {$14000.00} which is a government student loan ( fafsa ). I am on great terms with XXXX and have been. I have XXXX loans from my understanding with Navient still, XXXX the original loan was {$15000.00} and another for XXXX which are XXXX private student loans. All the paper I have been receiving from Navient in the last few months have been for XXXX loans. XXXX for {$14000.00} {$46000.00} Interest {$11000.00} {$58000.00} and XXXX {$15000.00} {$35000.00} Interest {$8800.00} {$44000.00}. It was n't until I called them and spoke to someone about the account that I learned about other loan for {$19000.00} which I have no paperwork for. I have not had any communication with XXXX since my bankruptcy nor has my dad in over 8 years. Now they are going after my dad saying owe them for the XXXX and are unwilling to work with us until we start making payments. I do n't know what to do and my main concern do we owe the full amount? Why are they charging us interest on a loan they do n't even own? They also claim to have changed us late fees and penalties on the account, but will not provide any information on what those charges are and how much? Can you help? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone used my personal information to open a checking account with Bank of America, and Bank of America is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not 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 2016-05-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
the company general revenue corp is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time, I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account, this is costing me money in interest on my loan. I would not recommend Bank of America or any FHA loans to anyone.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I flied and could n't add the whole complaint. I sent the middle part. Here 's the first and end part ; XXXX. ( first part ) Help! I am a XXXX Veteran, almost XXXX years old and have been unemployed for several years. Past history ; I open a case with CFPB last year through XXXX XXXX XXXX XXXX in XXXX Florida. My complaint number i : # XXXX. I contacted Brain XXXX XXXX, CEO of Bank of America on XX/XX/XXXX ; XXXXXXXXXXXX and he appointed XXXX XXXX, Customer Relationship Manager Office of the Chairman and CEO on XX/XX/XXXX and phone number ; XXXX. XXXX send me a letter and said she would be my dedicated single point of contact throughout this process ( To reduce my house payment by combining my XXXX lines of credit into the original line of credit ) XXXX told me my house payment would be {$460.00} starting XX/XX/XXXX and on the XXXX of each month. I received my XX/XX/XXXX statement and the payment was {$1300.00}. XXXX said there was an error in the computer and it would be fix in several weeks. After many months, the XXXX XXXX XXXX XXXX file a mortgage compliant with CFPB and the problem was resolved and the payments was around {$210.00} to {$210.00} interest only per month until XX/XX/XXXX. The bank wanted me to default by not paying {$1300.00} for several months and then file for a foreclosure on my residential property that I have been living in for 32 years and never missed a payment. 
( end part ) I have attached ; Copy of the of the loan documents of Loan No : XXXX, Chapter XXXX Individual debtor 's statement of intention/surrendered rental property ( XXXX XXXX XXXX. XXXX. XXXX XXXX, FL, XXXX ), Discharge of debtor, Trustee 's quitclaim deed/ sold rental property, Bank Statements , old Account # and new Account #. 
Bank of America staff sit in their offices and being paid to seek out innocent victims and to harass, pressure, in still mental anguish and create night mares to old disable veterans, old non veteran unemployed or on fix incomes. They are above the Federal Law and can get away with anything. Bank of America, shame on you.

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