vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: NC

Complaint narrative:
I have several loans with Navient that have completely tarnished my credit. I was making payments while I was out of school and because of my household size it was only {$5.00} a month. I asked that all my loans be put together and thought I was paying to have them consolidated so that I could be forgiven only to find out that my credit is completely ruined by XXXX worth of loans and I do n't even have a degree yet! I will be graduating in the XXXX with my XXXX. Navient falsified my loans and added several late payments inaccurately! I would like for all of my loans with Navient to be removed from all XXXX credit bureaus so that I can better provide for my XXXX children that are living at home and my oldest son that is a freshman in college. I attended XXXX University, XXXX, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In an attempt to collect from us, when we were in dire times, they called the home of my husband 's ex-wife and spoke to her husband about our delinquency and the fact they were trying to collect our late mortgage payments. This was Bank of America

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 2015-11-10 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: TX

Complaint narrative:
I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Bank of America had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. 
Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.

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 2015-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Prequalified for a mortgage and rate locked in at 2.87 % for a 5 year ARM. 
Bank of America has caused innumerable delays in loan processing ; lost documents, me resubmitting the same thing over and over, " just one more thing ''. 
Now two weeks before closing the say they wo n't approve me for the 5 year arm, just a 7 year arm at a XXXX percent, a 0.35 % rate increase. They say my income, which I have been honest about through the whole process, is suddenly too low, so they are making the payment higher. 
It is a racket. I want them to refund the mortgage appraisal fee which I paid RELYING UPON the original " truth in lending '' statement. 
What good is a " truth in lending '' statement or a rate lock if the bank can just ignore them at the final hour. It is extortion. I spent money on an appraisal based on their original disclosures and I want them to either honor their original rate lock or refund the money I outlaid, {$460.00}, because I was relying on them honoring their end of the agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 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: RI

Complaint narrative:
This account has been settled and now has a zero balance. The loan company still has not updated my credit report and is still showing that the loan is in a defaulted status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I paid my Chase Amazon credit card in total on XXXX XXXX and they charged me interest XXXX. I called and asked for them to drop the interest charge since the credit card bill was paid in full and I have XXXX credit cards with Chase. 

They refused - how are customers supposed to feel they are financial paid off if the credit card companies continue to bill them interest. I have not used that card since I paid if off

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-11 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: CA

Complaint narrative:
I had gone into a Bank of America to cash a check which was drawn of the same bank. I I specifficaly asked the teller to verify the funds which she did so and the check was cashed and given to me. A week later my account which was n't linked to the transaction was overdrawn for that amount. They claimed that the maker of the check stated it was fraudulent but I have supplied multiple letters from that establishment signed by the owner stating it was not. I am on XXXX and XXXX and I cant get off!!

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 2017-01-26 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: AL

Complaint narrative:
I was manipulated into getting this loan. The counselors at my school made me think I needed this loan and I was told that I had a fixed interest rate. Navient convinced for to keep getting a forbearance because I could n't afford to pay it back.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I have both federal and private student loans through Navient. Right now I have my federal loans in deferment, while I was told that this is a " Cap '' on the number times I can do forbearance or deferment on my private loan. Allegedly I am maxed out and my payments are not affordable at all. I have done income based and interest only and it seems that I am paying more than I can afford. They are not working with me and I am behind on payments to the point where I may be facing litigation because I can not catch up. I get harassing phone calls daily. I have given these people my income and other information.

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: CT

Complaint narrative:
Could not utilize The Public Service Loan Forgiveness ( PSLF ) Program because I made to many loan payments and would need to restart my loan payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Non stop calls asking for XXXX XXXX, ( who is deceased ). Saying if you are XXXX XXXX, stay on the line, if not hang up. 
I hang up, because I am not XXXX XXXX, but the calls continue. 
I stayed on the line, hoping to talk to someone, but never get an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I recently received a mortgage modification decision from my mortgage servicer ( Bank of America ) after 4 months of making trial payments to qualify for a mortgage modification. I had requested a mortgage modification after inquiring about not being able to refinance my home loan due to the property value being less than the mortgage I was paying. ( Under Water Homeowner ) The decision I received in the settlement from BOA reduces my mortgage {$350.00} per month and the interest rate changes from 5.25 % to 4.375 %. However, the term of the loan is now going to reset to 30 years and way they are lowering my payment is by taking {$40000.00} of principal out of the home loan and putting that amount at the end of my 30 year mortgage as a balloon payment that must be made to HUD. I can not afford the mortgage currently and I can not refinance the loan because I have no value in the home, so what makes BOA think I will have the {$40000.00} balloon payment at the end of my 30 year term and not offer me any other solutions other than a " take it or leave it '' deal? BOA is not offering any relief other than moving some of the money around to make it look like the payment is smaller, but in reality I still owe this money on a home that is currently worth LESS than my loan. I qualified for all of their criteria for assistance and what they are offering me is a dead end in my eyes. BOA never disclosed any of the information about a balloon payment as a modification solution when the assistance process started. Had I known, I would have refused this assistance and requested other options. I feel this is deceptive on their part and not cooperative with me, the consumer. I also want to note that I was current on my home loan at the time this started and BOA suggested this in order to help with a refinance and instructed me NOT to pay my current mortgage once the modification process started. I feel like I 've been railroaded into a situation that I wo n't be able to find a solution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 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: NC

Complaint narrative:
I have a large amount of outstanding student loan debt and being the first in my family to graduate from a four year university, I was completely not prepared for what I was in store for. Fresh out of college and being bombarded with delinquency calls when I did n't even have a full time job, I was overwhelmed. My father made 3 different payments of {$9500.00} and come to find out years later, they applied the payments as regular monthly payments which went completely to interest and not a cent to principle. I was n't made aware of this until years later when I ran out of forbearance options and they would not accept what I was offering them monthly. As a result they ended up charging off XXXX of the loans and the allowing me to enter into a repayment plan paying the same amount I was originally offered before they charged this off on my credit. I just feel as though they took me for a ride and paying the ultimate consequence because I was not properly Informed. They destroyed my credit only for me to make the same payments I told them was affordable from the beginning but was not good enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The collector served court notification papers to a family member who is not me and was unaware of what was even happening. I contacted an attorney to represent me and the attorney communicated with the collector 's attorneys ( I have email records ) and reached an agreement to not pursue the case. I recently found out that the collector still proceeded with the case in court and received a judgement without either my attorney or myself present.

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 2016-10-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear Sir or Ma'am : Please know that I am the executor of my mother 's will. Both my parents passed away within one and half years of each other. The house that my parents owned for almost 50 years was sold XX/XX/XXXX. Or so we thought. During the sale of the house, we were notified of a lien on the property that was never released. The lien is recorded in the XXXX County Registry of Deeds website under guarantee of XXXX XXXX XXXX XXXX. The release of the lean was never recorded. 
The lien is from XXXX XXXX XXXX XXXX, listed under XXXX XXXX XXXX, Document # XXXX, Book XXXX recorded on XXXX/XXXX/XXXX in XXXX County Registry of Deeds in Massachusetts. The lien is for XXXX XXXX XXXX in XXXX, Massachusetts. According to the information obtained on the Registry of Deeds, the lien is as a result of a home equity line of credit established in XX/XX/XXXX. A Home equity line of credit usually extends for a particular period of time until it expires. Please also note that there is no request for funds owed on a Mortgage of any kind for either my father or my mother. Please see page attached page from the XXXX County of Deeds website. 
Subsequently, XXXX XXXX was acquired by Bank of America. Bank of America was notified by our attorney XX/XX/XXXX, XXXX number XXXX of the non-release of the lien. As of today, XXXX/XXXX/XXXX Bank of America has not resolved the lien issue which is causing the buyer and myself unnecessary attorney fees. 
I would like to see a quick resolution to the inquiry. The lien should be released and recorded in order for the sale of the house. If the resolution continues then I would even like to see any expenses incurred for this delay refunded to the buyer and seller of the house due to the non-action of Bank of America. 
If you would like additional information you can telephone me at XXXX. 
Sincerely, XXXX XXXX, XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-11-08 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: MA

Complaint narrative:
Navient stopped sending statements with balances on them, and I could not find one with a balance on the website ... the website showed that my loan was paid off, but I did not believe this to be correct, I had emailed and didnt receive a response so I called and spoke with their representative XXXX on XX/XX/2016 at XXXX and was told the loan was paid off but they could not provide me with any details and said I would get a letter and refund for overpayment in 30-45 days..I then received an email from Navient saying I spoke with someone so I was all set, I had to go to another website to access this email, this website allowed me to access a statement with a balance of {$33.00}. I emailed again that evening to find out what my payoff was and why I was given the wrong information, and have not received a response, this was after they put my loan into deferment without my authorization, and then reduced my payments when I asked to have my loan restored to my previous terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: FL

Complaint narrative:
I was making double payment when possible, sometimes triple payments in a month thinking the other payments were going to the principle, to pay the loan off quicker. But looking at statements navient was still putting every payment to intereste, then to the principal. When I email them, asking why it was like that they told me it was a government right to collect interest on all payments. Why can you make double payments on a car or credit card where the second payment goes fully to the principal, but not on loans. It makes impossible to pay loans faster.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America claimed I have done fraud. the account was cleared with them but it 's on my consumer report.

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 — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We started modification process with Bank of America for XXXX of our mortgages XXXX of XXXX. We simply asked them to review our status and perhaps just lower our monthly payment so we could afford to live in our home. At that time, we were advised the only way that bank considers modification application is if we stop making mortgage payments and fall behind of our payments. We had no to intention of Short sale or foreclosure. My husband 's income dropped from when we bought home to XXXX, we used all the savings to pay for mortgage payments. we had meeting with XXXX of XXXX XXXX and were advised to apply for modification because our house was under water. After many months of application submitting, B of A sold our first mortgage to another XXXX XXXX and we got our modification with in a month and finished one year of our modification and never missed a payment. 
As far our second mortgage, we got denied on XXXX/XXXX/XXXX and transferred from XXXX account manager to another until XXXX/XXXX/XXXX. In the meantime, our no payment status was getting deeper and deeper with Credit report agencies. We started our trial payment and made proper payments on time. We received a letter from B of A on XXXX/XXXX/XXXX that we completed our trial and are approved for modification but to know that not only we are NOT going to have lower payment but have another 13 months added to the life of our loan. So we talked to our XXXX and decided not to accept the offer and started making our normal payments little more to catch up with the delinquency. As we were catching up with our missing payments and our mortgage balance at the time was {$100000.00}, we got a letter XXXX/XXXX/XXXX that thru Department of Justice settlement, our full principle balance was due for a forgiveness in amount of {$100000.00}. After contacting B of A, we were advised that any payments made until this process goes thru will not be refunded to you. After many phone calls and misleading answers finally this process was completed on XXXX/XXXX/XXXX and the lien was released. In the mean time, they were report us to credit Bureau, late payment, missing payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 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: FL

Complaint narrative:
After my wife and I had extreme financial problems Bank of America ( BofA ) put us through their modification process in lieu of foreclosure. The experience was absolutely horrible, we tried completing on our own but then had to retain a lawyer just to track the paperwork since BofA continuously lost all our paperwork. We were offered a short payoff amount which was then retracted. We signed a modification approximately eight months ago and began making the payments as agreed. BofA can not seem to adjust their system to match the modification agreement and continues to report inaccurate late mortgage payments. Payments can not be accepted online since their system is incorrect. I have sent approximately five letters concerning this issue. BofA continues to ruin my credit reporting inaccurate mortgage lates which has caused significant additional financial hardships.

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