vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 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: SD

Complaint narrative:
I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated in XXXX from XXXX. XXXX closed their doors officially in XXXX of XXXX, and they have given me the run around on why their doors were actually closed.

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
my forbearancea never updated correctly. proper paperwork never received no options were ever given to me to how to handle my situation. i am confused to where my accounts are half the navient accounts say one thing and then others say something else. this should n't be i navient updated all the loans i have with them.at the same time.. which is effecting my payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX 2009 I was approved for a short sale due to divorce with BOA. It has been a nightmare since then. I have had to dispute their payment status on the APPROVED short sale on multiple occasions. I have sent them letters and they have corrected the status to paid. Today I received an alert XXXX that my payment status is " LATE " on the mortgage was settled back in XXXX 2009. I have already disputed this item so I am unable to dispute with XXXX bureaus because this problem continues 6 years later. I have sent letters directly to BOA and all was corrected. 
I am currently in the process of closing on a FHA approved loan and now there are lates in my payment history. I am closing on XXXX XXXX and need this corrected immediately. There are multiple phone # 's listed for BOA and I am frustrated that the payment status continues to change and I can not seem to resolve the issue permanently. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I called Bank of America on XXXX XXXX, XXXX to make my payment. The representative refused to take my payment unless I give her my driver 's license number. I verified my full name, full social security number, date of birth, full address and password on the account, but refused to give her my DL #. I hung up after she refused to so many tries. The next time I call, the representative took my payment and agreed to remove the late fee, because the representative should not have refused my payment. Every month this has been repeated. 
Finally on XXXX XXXX, XXXX I spoke to XXXX, a supervisor, who told me to pay {$66.00}, because he saw when the problem started and that would take care of it. I paid the {$66.00} and he supposedly took care it. I called today to make my payment and was told my minimum payment due is {$110.00}, because I keep getting late fee every month. I asked to speak to a supervisor. XXXX XXXX came on said she is a supervisor located in Arizona and repeated the same thing. I asked her to read the notes the last supervisor put in when I paid the {$66.00} on XXXX/XXXX/XXXX ; she said she did then told me I have to pay {$110.00}, because I have been later every month. I asked her to listed to the calls from XXXX XXXX, XXXX and XXXX XXXX, XXXX. She did not care. I told her I will file with the CFP complaint and wait to make my payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31 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: TN

Complaint narrative:
For years I have issues with my Private student loan servicere XXXX/Navient. Just in the recent years, while working with Navient, I have gotten inconsistent information. There have been instances where I have set up payment plans via auto pay and the amounts deducted from checking account have been different from what I have instructed them to do. My payments have also been missapplied to my loans. I have more than one loan with Navient, some having different interest rates. My payments have been applied to various loans, different from what I discussed with the service rep. I have even had several instances of my checking account being overdrawn because an amount was debited incorrectly due to Navient 's error. 

Navient has also refused to offer realistic payment options based on my circumstances. In response to that I have done my best to make arrangements to meet their requirements within my means. It is very frustrating to stay on the phone for hours at a time discussing my options and making plans to meet their ridiculous requierments, and then they still make the " mistake '' of debiting the wrong amounts. 

Their website is misleading when it comes to repayment options. They have repayment options listed on their site, but when you call they say that option is not for my type of loan. My issue is that Navient has it nearly impossible not to default on these private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair to me.

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 2015-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been engaged in a loan modification with bank of America for the past XXXX years. I feel I have been treated unfairly. For months chasing someone to follow up with only to find out they are reassigned or no longer with the bank, but then finally it seemed that we were on track. After filling the same paper work for the XXXX time submitting pay stubs bills etc. again and again finally the modification was approved. I received the conformation letter for the trial on XXXX XXXX 2015 and made the first payment on XXXX XXXX as instructed. Few weeks later the bank called to say that the approval was in error and we have to do it all over again so we did. Now it has been denied for reasons that I do not understand, I have complied with all they have requested, the house is scheduled to foreclose in one week on XXXX XXXX and am not sure what to do. It 's egregious to leave me with no option but to foreclose, while the house still has equity and I would have had more options if I knew this ca n't be accomplished three years ago. I have all the details and supporting documentation, its shows lack of knowledge, misinformation, and miscommunication. Please Help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-02 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: CO

Complaint narrative:
My interest rate with Navient is 10 % and it is n't fixed. The payment they require to even make a dent in the principal balance is extremely high. They told me there is nothing I can do to lower my interest rate. No one refinances private student loans either that I know of. I just feel like I 'm drowning in these payments to Navient and I have n't seen my principal balance go down at all in 5 years of paying them. I already pay on my Federal student loans as well. I just do n't know where to go from here or how to get a lower interest rate so that I can start making a dent in my debt. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 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: IN

Complaint narrative:
Navient refuses to update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Per an Independent Foreclosure review conducted by the Office of the Comptroller, they concluded that Bank of America practiced " deficient mortgage servicing and foreclosure processes. '' This foreclosure review relates to the following Bank of America accounts : 1 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$170000.00} and 2 ) # XXXX, opened XX/XX/XXXX and closed XX/XX/XXXX, most owed {$32000.00}. I received compensation from the Office of the Comptroller as a result of this ruling. 
Pursuant to the Independent Foreclosure review performed by the Office of the Comptroller, I am asking that these items be removed from my credit report immediately and a rapid re-score be performed. 
Also, I am seeking damages as this derogatory information on my credit report, which was based on " deficient mortgage servicing and foreclosure processes, '' caused me to be denied employment.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I took out loans for a large sum to put XXXX children through college. Total loan amount was just under {$200000.00}. One day after paying on the loans for over a year, I noticed the balance at {$200000.00} and when I called they said that I was late on XXXX or XXXX payments. I challenged that fact and they said it was only a couple days each time, but it caused my interest rate to go up .25 % from the inception of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I 've had a morgage for about 16 years, never late until recession when I lost my job. I paid two months behind for about a year, then caught it up and have never been late since. I did have to bankrupt in the recession, but I reaffirmed on my mortgage. Mortgage started with Countrywide, then went to Bank of America, then XXXX XXXX, then XXXX, and now XXXX. At some point, was reported by Bank of America that mortgage was included in bankruptcy when it was n't. I submitted documentation at that time showing it was reaffirmed from my lawyer both to Bank of America and credit bureaus. Bank of America discovered they had my social security number wrong by one number, and it was THEIR error, but they said they could not straighten out my credit report, they refused, and then when I disputed with credit bureau, they REMOVED my mortgage account all together and say they can do nothing else. XXXX, who now services my account, assured me they would report, but now Bank of America account is back on there as being included in bankruptcy, then XXXX is listed separately under adverse accounts, says was included in bankruptcy, and that account was CLOSED and included in bankruptcy in XXXX of XXXX. My bankruptcy was in XXXX. I have launched disputes online again, but XXXX credit bureau would n't let me dispute anything about Bank of America again. I do n't have the money for an attorney, and I have suffered all these years when my credit should be much further along in being repaired. I have been turned down and given higher rates due to this. It always says " lack of real estate loan '' and such. I feel like there is nothing I can do now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Notice of Default and Election to Sell has been recorded with the XXXX XXXX County Recorders Office on XXXX XXXX, 2016 in error violating RESPA enforced by Regulations X and Z and the California Homeowners Bill of Rights.

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 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I was informed via email on XXXX XXXX, 2016 XXXX the day of closing XXXX that Bank of America would not close my loan due to an active redemption period on the home. I had been working with XXXX XXXX since XXXX XXXX, 2016 when I received conditional approval. On XXXX XXXX, 2016 I submitted my loan application along with the sales contract and other related documents. The sales contract included a foreclosure acknowledgment. 

Throughout the loan application process, I provided requested documentation in a timely manner. I would also call XXXX XXXX to inquire about the status of my loan application and ask if any additional documentation was needed. I was constantly assured that everything was moving along as planned and that there were no issues with my application. 

On Monday, XXXX XXXX, 2016 I called XXXX XXXX, loan processor, to inquire about the status of my loan and to determine the final closing costs. Please note this was my first time speaking with XXXX XXXX, and I had to initiate the call. XXXX XXXX stated she needed a few more documents, but assured me my loan would be ready to close on XXXX XXXX, 2016. She was unable to provide the final closing costs at that time ; however, she stated she would call me Wednesday, XXXX XXXX, 2016. I called XXXX XXXX on Wednesday, XXXX XXXX and left a voicemail. I never heard back from her. I was informed the closing attorney sent XXXX XXXX documents related to the bond of redemption, and XXXX XXXX never responded to the email. 

On Monday, XXXX XXXX, 2016 ( the day of closing ) I receive an email from XXXX XXXX stating my loan would not close. I am extremely dissatisfied with the service I have received with Bank of America. I find this very unprofessional and irresponsible. I should have been informed that BOA could not close my loan earlier in the process instead of on the day of closing. There is absolutely no excuse for practicing business in this manner. 

I wasted valuable time and money by choosing BOA. Someone at their organization dropped the ball on my loan application, and it is impacting me negatively. Now, I am left to find a lender who can process my loan in a short amount of time since I was prepared to move into my new shortly after closing. By using another lender, I am forced to start the loan application process all over again. Interest rates have increased since I was locked in at 3.5 %. Now I am looking at higher monthly payments. I will also have to pay for another appraisal. 

My loan was not closed as it should have been due to no fault of my own. As such, I believe I should be compensated for wasting my time and money. I requested that BOA refund me the cost of the appraisal and credit report, {$470.00}. However, they have been unresponsive.

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 2015-08-11 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:
Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
a few years back a did a refi on my property with XXXX XXXX, who in turn sold the loan to Bank of America, since I had to relocate for work I new there would be a lag in payment delivery, so to off set this I paid advance 2 month on my mortgage and all went well for almost two years, I noticed I as getting late fees from Bank of America. when I called to find out why they 1st told me the account payments were " late '' and the fees are the result. I told them that was not possible as my account is advanced two months to remain current at all times. my repeated inquiries went unanswered and fees continued I tried to get assistance from a manager but there was o help there. Finally one rep that I contacted actually looked into my concern and told me the only thing they could see n review was that when Bank of America moved their office from XXXX to XXXX they did audits of accounts and took all advance payments and applied them to the principle. well this completely has put my finances and my home at risk and they act now as if they cant find me. Several calls and been made to no avail and even trying o get a HARP has been denied by them saying I cant qualify which leaves only forced foreclosure or bankruptcy as an option,

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 2016-06-12 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
While making dinner on XXXX XXXX 2016, I received a call from BOA reguarding a credit card in my husbands name that we owe on. However when I told the young man that I did not have a job and that my husband was XXXX currently, he kept trying to get me to make a payment after no avail of trying to be able to call back when i found a job and could make a payment I decided to hang up. Then this young man called me back after I hung up on him. First call was at XXXX and lasted around 8.5 mins. The young man called me back again at XXXX, I had raw meat on my hands at this time and could not answer so it ended up going to Voice Mail, where the young man did not leave a message.

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