vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America broke the rules. 
When Bank of America represented to me and bona fide purchasers the subject property is vacant and abandoned, Bank of America, the Trustee, the Trustee Attorney, the servicer, and third party representatives intentionally made false statements during loss mitigation processes including, but not limited to, the modification and foreclosure processes. These knowingly false statements and representations on a mortgage, Deed of Trust, or real property were designed to mislead and deceive in an effort to solicit or gain a desired outcome, action or inaction, or result and are in violation of the California Business and Professions Code. 
I have never abandoned or vacated the subject property and remain in possession, control and occupancy of the subject property to date. 
The XXXX Requirements are as previously stated and are to include the following : Anytime during loss mitigation processes when either party believes Dual Tracking has occurred or may occur, any foreclosure process can only be brought as a judicial foreclosure and no non-judicial foreclosure may be had. 
All previously mentioned resolutions are desired and mandatory.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Back in 2004, I took a tour of the California XXXX XXXX ( now XXXX XXXX XXXX ) in XXXX XXXX and fell in love with the idea of the program that they were " selling '' me. Great set of XXXX a prestigious school alumni ... XXXX of my many future counselors told me that I would have to take a loan via XXXX XXXX and that I qualified for some Federal Loans. That being said, my private loan rates were at 18.1 % but all I cared about was going to school. The school it self was located in XXXX called the XXXX. I decided to live off campus as you could n't sleep in the dorms at night due to bum fights. None of this class received the XXXX XXXX and graduation ( which should be a special time ) we were n't given new uniforms like promised. The promise of any decent jobs was denied because of the factory making XXXX and the lack of work ethic. No one really hired a XXXX graduate. The administration was constantly changing and always new teachers. I started with a class of XXXX and graduated with XXXX of my original class of which only a handful are still in the XXXX world. Once graduating, my payments were an astonishing {$1000.00} a month of which I had to defer and put into forbearance, which created even MORE interest. I was able to have a relative co sign but the damage is done and I am paying almost {$400.00} a month and can not pay principle only and what was once XXXX XXXX is now NAVIENT and they wo n't let me pay more towards loan and just forward it to following month. PLEASE HELP!!!! The school also had a class action lawsuit that i sadly received the paperwork way after the fact and the payout was {$40.00} XXXX dollars. I could go on, I am just looking for a better direction because this is become a burden on my family. I own my own XXXX but my salary is minimal. Thank you!!!

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I saw on the news this evening a woman who has a large amount of student loans and her story is very similar to my own. I knew that I would need to pay back my student loan, but the monthly payments were so high that I could not afford to pay the monthly payments. I have requested an income based repayment program to no avail and I can not afford the {$2000.00} per month payment. Now my loans have accrued so much interest and the payments are unmanageable. I have called and spoken with. numerous representatives from Navient ( formerly XXXX XXXX ) and each time, I do not get any solutions, just an option for forbearance. I want to make payments and resolve my accounts, I just can not afford the payment requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: MO

Complaint narrative:
On XXXX XXXX 2016 I applied for an Income Sensitive Repayment Plan and transferred my financial information using the IRS web site. I never received any further information about what my payment would be and began receiving emails informing me that I had hundreds of dollars worth of payments that were due. I called Navient to find out what was going on and was told that they needed more information. I was given the number for the student loan help line and was told to contact them. I was then asked if I wanted a forbearance to take care of payments in the meantime. I said that I guessed so and called the help line. They told me that Navient had all the financial information needed and had received it on XXXX XXXX. When I called Navient back with this information my calls were either dropped, I was disconnected, got only static on the line or got a non English speaker that I could not understand. After more than an hour spent trying to get through, I gave up. My forbearance is good until XXXX and today I received an email telling me that my payment for XXXX is over {$600.00}. Any help you can give me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: NE

Complaint narrative:
Payment on Private student loans is not allocated appropriately on multiple occasions. Efforts to correct errors through XXXX XXXX ( now Navient ) representatives has been met with repeated refusal. 

A substantial majority of the monthly payment is allocated to the private loan with the lower interest rate and the smaller principal balance. Instead, a majority of the payment should be allocated to the private loan with the larger principal balance ( which also happens to have a higher interest rate ). 

XXXX XXXX 's ( now Navient ) errors are consistently in the company 's favor because the allocation method used have been frequently applied so that my loan with a lower interest rate is paid off before the loan with a higher interest rate ( and larger principal balance ) In the attached documents, please note that the loan noted as " Loan XXXX '' or as " XXXX '' had an original principal balance of {$32000.00} and has a current interest rate of 3 %. The loan noted as " Loan XXXX '' or as " XXXX '' had an original balance of {$28000.00} and has a current interest rate of 2 %. 

For example, XXXX the attached document will show that my payment of {$430.00} on XXXX XXXX, XXXX was misallocated among the XXXX private loans within a Billing Group. {$250.00} of the total was applied to Loan XXXX with a 2 % interest rate, while only {$180.00} of the total payment was allocated to the loan Loan XXXX with a 3 % interest rate and a larger principal balance. 

In another of the attached documents, a portion ( {$24.00} ) of the {$51.00} payment is applied to the principal of the loan XXXX ( also known as Loan XXXX ) with the lower interest rate while none of the payment is allocated towards the loan XXXX ( also known as Loan XXXX ) with the higher interest rate. 

The third document shows a similar allocation error made on a payment in XXXX XXXX, XXXX. It is included as an example. There are many similar allocation errors made during the course of loan repayment The attached document is only XXXX example of this same allocation error that occurred a number of times until, after repeated requests, XXXX XXXX agreed to separate my XXXX private loans so that they are no longer in a Billing Group. 

After reviewing my original promissory note, I can find no justification for these loans being originally placed into a Billing Group, where they remained for almost 8 years until they were separated. I can see no benefit to me as a consumer that my loans were placed into a Billing Group ; however, the multiple allocation that XXXX XXXX made over several years did benefit XXXX XXXX in that I was prevented from paying down my private loan with the higher interest rate ( and the higher principal balance ) in a timely manner. 

Since this allocation error has been consistent and persistent, I believe it to be systemic and purposeful - likely impacting many borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an account with Bank of America. I transferred XXXX XXXX $ to my mom to XXXX in dollar to her dollar account at XXXX. I paid the {$45.00} transfer fees. My mom received only XXXX XXXX . XXXX is not taking responsibility for the shortage of the money. They claim this is what they got. I also complained at Bank of America, but they are not taking responsiblity either. I need help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On Saturday, XXXX XXXX, 2017, I attempted to access my online account with Bank of America because my payroll check was deposited on this day. I kept receiving an message that the account do n't exist. I contacted the bank and was told that my account was closed. XXXX ( not sure of the spelling ) said that BoA does not have to give me a reason why they closed my account. I went to the BoA branch on XXXX & XXXX ( XXXX, MN ) and the Bank Representative name was XXXX and I explained to him that I need my money so that I would not get evicted and medication. I explained to him what had taken place earlier on the phone. He called the department that closes accounts and they said again that they do not have to give me an reason and that they would my mail my money to me between 10 - 15 business days. Later on Saturday, a bank representative contacted me and I explained to her again what had taken place. She said that I should return back to the bank on Monday, XXXX XXXX, 2017 to see if I could withdraw my money. On Monday, XXXX XXXX, 2017, I went to the BoA branch in the XXXX ( downtown XXXX ) and talked with XXXX. XXXX looked at my account and said that was strange. My checking is closed but my savings was still opened. XXXX called the department that handles closed accounts and spoke with XXXX. XXXX explained to him that I needed my money because I had rent to pay and to buy my medicine. XXXX asked if I was given a reason why my account was closed and I told him no. XXXX told XXXX that my account was closed on XXXX XXXX and I said that I did n't not receive any notification that my account was closed. XXXX said that my payroll check was rejected and returned to my payroll dept. I said I received notification. I was told by XXXX that my account was a risk account and they were closing it. I received nothing from them and if I had I would have contact my payroll department and intercepted so that I would have money to pay my rent and get my medicine. I am very disappointed in BoA because I was give several different stories about my account and what happened. As of today, I have no money to pay rent and to get medication. This is a inconvenience and that I should have received some type of notification. If my saving is not closed, why ca n't I get my money out?

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 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America misappropriated 2 months of XXXX of my properties/mortgage payments when they bought Countrywide. Ultimately, with the help from an attorney, the properties came out of default, my credit was cleared, or so I thought, and this was in 2010. Now, I 'm getting ready to refinance the XXXX properties in which I finally have equity, and the exact language on my credit report shows the following language : " Status/Details : This item was updated from our processing of your dispute in XXXX 2010. '' Of course, the new lender wants this off my credit report. So I called Bank of America who told me to write a letter, which I did, requesting them to have the credit agencies delete that language. I followed up with a phone call, indicated by the person I spoke to on the phone. He told me that the address I send the letter to ( overnight mail ) does n't have any phones, so I ca n't call them to follow up in XXXX XXXX. He ( XXXX ) is located in XXXX Arizona. I asked him ; " what can I do? '' He told me ... .you got it, " send a letter to the address in XXXX XXXX XXXX '' I told him I already did, and he then proceeded to tell me they 'll have to research it, and that this could take between 28 and 30 days ; which I do n't have. 
So, my question to you is : If Bank of America is requiring I pay everything on time, which I do, did, and would continue, how come they are n't available EVER to answer my request. 
I can not tell you how incredibly frustrating this is. I hope they all go under in my life time. Sick of banks and the power they hold over small, really good consumers like me. 

Now, my question to you, what can I do? What will you do? or ... ... should I just take another XXXX and forget about it? Eagerly awaiting your answer,

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Make payments and the principle does n't go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid 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 2016-04-18 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: MS

Complaint narrative:
I 'm contacting you all again because I get the best and quick responses after doing so but here 's the conclusion to my last complaint. 
You are eligible for a reduced payment with Navient Recovery of {$50.00} a month. After the third qualifying payment, your interest rate would be reduced to 0.001 percent for the remainder of the repayment of your loan, as long as your payments are made in a timely matter each month. You are welcome to call Navient Recovery directly at XXXX to enroll in this program. 

Now during the confusion of the last situation I was told I could be re-entered back into the repayment program under the same interest rates. Now I 've been sent to a debt collection agency ( XXXX ), who contacted me today. It was told to me that my loan had n't been overdue long enough to be sent to collections and I began to make payments through Navient once again. Since the last case I 've made successful payments on time in which they are automatically debted from my account. Now I 'm being told that I have to deal with this collection agency and I 've made successful payments with no mention of this. I talked to the collection agency ( XXXX ) and they too were confused because I 've been making payments. Once again I feel like something is fishy again and I 'm going to be ignored or transferred several times. I contact you all for your help and if there 's nothing to be worried about then I will like to hear it from you all. 

Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XX/XX/2011 I paticipated in the " XXXX XXXX '' program with the XXXX located in Illinois. In this program, the dealership takes possession of your current XXXX vehicle and puts you into a new XXXX vehicle. This was not a repossession - this was a dealer incentive program. 
Bank of America has reported a late payment XX/XX/2011. In fact Bank of America is reporting paid as agreed payment history from XX/XX/2011 through XX/XX/XXXX. 
I disputed the incorrect late payment with XXXX 12 months ago. Bank of America refused to correct the history. 
I am disputing the late payment again with XXXX. I am filing a complaint with your agency in hopes the incorrect payment history will finally be removed. I am also reviewing my payment history with XXXX and XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
we are the XXXX ; on XXXX we ( XXXX ) found XXXX XXXX usages in XXXX, XXXX notified the bank of America branch office here in XXXX, XXXX. they removed XXXX. then there was {$60.00} with draw on same day after they canceled all cards. next, they move deposits after they subtract money from account. makes XXXX overdrawn. when you look again the transaction are gone.correct this and return all monies 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 2017-01-21 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: CA

Complaint narrative:
Navient sold my loans to XXXX, and when I worked with them, and set up a payment plan in XXXX, I was told it was all of my private loans. It turns out that Navient held onto some of my private loans and is placing me in default for not making payments on them. This is on top of them refusing to communicate with me via email. On the phone they pressure me into payment plans, I refuse to negotiate on the phone because of the undue pressure and lack of opportunity to weigh my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NH

Complaint narrative:
I 've been paying my loan with Navient since I graduated in 2009. I have n't missed a payment. My current balance is {$8600.00}. The original loan amount was {$9000.00}. How am I supposed to get ahead at that rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 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: MA

Complaint narrative:
I lost my job XXXX XXXX. I called today XXXX XXXX to seek options. I was told I exhausted all options and had no choice but to pay. I can not. I collect unemployment. 

I would like to pay my loans and will as soon as I am employed again. Please help me negotiate with Navient as they do not with consumers directly. I was made to feel as though I were a " Low-life '' for asking for help. The representative was argumentative and completely unhelpful. Please help me. My next payment is due XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: NJ

Complaint narrative:
Navient has raised my interest rate without consent on various occasions and has not satisfactorily responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: IA

Complaint narrative:
I am a co-signer on my son 's student loan. When Navient took it over, they forced us into monthly payments that we absolutely can not afford. My husband had a serious accident 2 years ago and is not back to his regular job yet. We are overdrawn every month and are paying huge overdraft fees every month. They used intimidating tactics and we felt that we had no choice but to go along with their payment plan, even tho it 's putting us in a hole deeper and deeper every month!

Company response to consumer: Closed with explanation