vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Received a call from Navient 's Recovery department on XXXX XXXX, 2015 explaining to me if I did not accept XXXX of XXXX deals by Monday, XXXX XXXX, 2015 they will proceed with filing the paperwork to put a lien on the house and garnish payroll. 
I tried explaining to them that I do not have the money and explained to them what I can pay monthly and they did not want accept. So again the threats continued explaining all assest will have a lien placed on them by Navient if XXXX of the XXXX plans are not accepted. 
We placed the loan on forbearance not understanding what she dummed down for me now, was that the loan would XXXX if we place it on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Due to an error in paperwork with my city of residence, Bank of America was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Bank of America then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Bank of America received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Bank of America representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Bank of America 's avariciousness.

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 2016-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: WA

Complaint narrative:
I finished XXXX XX/XX/XXXX. I XXXX for forty years. Why am I not eligible for debt forgiveness? Because my loan is beforeXX/XX/XXXX!!! How ridiculous is that?!! XXXX University ONLY offered XXXX XXXX at that time. I retired and still owe approximately {$11000.00}. 
Recently, Navient lowered my monthly payment, but that just extends the time and ads on LOADS of extra interest. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2010, I received a Discharge of my Ch. XXXX bankruptcy debts. During the time leading up to, during, and in the 7 years since the Discharge I have been consistently current on my payments to my mortgage lender, Bank of America and have rebuilt my credit score to XXXX. I applied to Bank of America to refinance my existing loan, ( NO debt consolidation nor cash out involved ). Two days before my lock-in/application were due to expire, I was advised that without a Reaffirmation Agreement, Bank of America would not proceed with processing my loan and that my application would expire in 48 hours. All other conditions apparently were satisfied. 
I had offered to complete and execute a Reaffirmation Agreement using the form I obtained from the U.S. Bankruptcy Court on-line. ( I understood that the Lender is required to send the Reaffirmation Agreement to the Borrower ; Bank of America has refused to do so. ) I also understand that a Reaffirmation Agreement is not an absolute requirement, and that many lenders make loans without one. 
The bank 's position on this matter defies logic. The refinanced loan would be " clean '', replacing the one that is in their " Bankruptcy Department 's '' books.. Why would a Reaffirmation Agreement be required for a loan which would only be outstanding for a few days?

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 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Sullivan & Terranova
State: OR

Complaint narrative:
Sullivan & Terranova and XXXX are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from Sullivan & Terranova demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with Sullivan & Terranova was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX bank to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX Bank told me they had no records nor any contracts for this claimed debt signed by me, XXXX bank informed me they sold the fraudulent account to XXXX. 
Sullivan & Terranova continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
Sullivan & Terranova ignore this and continue to threaten garnishment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My home was foreclosed illegally by Bank of America XX/XX/XXXX. I had requested a short sale, and modification. The papers for the modification were sent to me to send back but the foreclosure was done before the date to return the forms. Squatters had taken my home and refused to move out. I reported the squatters to B of A. They refused to do anything. I called the bank more than XXXX times trying to advise them of the squatters. The house was foreclosed and legal action was taken against me to get the squatters out. I have eviction actions on my name at the court house and I did not receive any notifications of the actions taken. I have just recently seen all the legal actions processed in my name when I was denied another credit rental action. The squatters moved into my home in XX/XX/XXXX and stayed there until XXXX or XX/XX/XXXX. I asked the police to evict them. They refused because Bank of America said it was their house and it was their responsibility to get them out and not mine. The squatters damaged the home. They stole all of the copper and the air conditioning unit. The house was infected with roaches and holes were in the walls. I have been charged with all the damage and my credit record is showing evictions I was not responsible for. I had processed a change of address but did not receive any notifications. I had requested assistance but the different depts. were not letting each other know what they were doing. My modification was being processed the same time the foreclosure was being processed. I called the attorney for B of A and was told the foreclosure was sealed. I called B of A and was told my short sale was possible and another dept had me set up for the modification and I lost m house on XX/XX/XXXX. What can I do? The process was illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-01 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. Bank of America has defrauded me and the bona fide purchasers of my home and real property. 

In the Bank of America letter of XX/XX/XXXX issued through their legal counsel, Bank of America represents and claims I was denied MHA HAMP and a MHA HAMP TPP on appeal in XX/XX/XXXX and XX/XX/XXXX based on th initial review of RMA applications. The referenced Bank of America XXXX letters are NOT denial decisions on appeal. The referenced Bank of America XXXX leters are, in fact, the required written resolution letters on lodged escalated cases. The XX/XX/XXXX response was issued in resolution of the XX/XX/XXXX CFPB case number XXXX detailing actions taken on the account to date at that time and is not a decision on appeal. When Bank of America represents to me this CFPB response is a determination on appeal, they are making a misrepresentation on a mortgage, Deed of Trust, and real property. The XX/XX/XXXX response was issued in resolution of an in-house esalated case and complaint detailing actions taken on the account to date at that time and is not a decision on appeal. 

Bank of America has a whole department staffed with qualified personnel whose sole purpose is to conduct reviews on timely requested appeals. Even Bank of America 's legal counsel ca n't tell the difference between ( and is unfamiliar with what is ) a SPOC/CRM issued correspondence and what that represents, what is a boiler plate template piece of correspondence generated through an automated system by document processing personnel, and what is a denial letter on appeal. It is costly and unfortunate Bank of America is allowing their legal counsel to be so mislead and, therefore, allowed to make misrepresentations to me. 

Whenever an appeal review is conducted, an Appeal Report is generated by the Appeals Specialist who conducted the review detailing their findings and determination on appeal. To date, Bank of America has produced only one ( 1 ) such document evidencing an appeal was actually conducted. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. I have told the whole of it within XXXX Bank of America CFPB complaints ( XXXX if you count the one I lodged against XXXX as a debt collector ). 

All previously mentioned resolutions are desired and mandatory and are to include every single Appeal Report generated associated with this account to date evidencing an appeal review was, in fact, conducted and completed.

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 2015-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone had stole my checks and used them. This was reported and the person arrested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: AZ

Complaint narrative:
I have been attempting to lower my repayment amount or get it deferred through the Navient website since XX/XX/XXXX but it was denied by them. When I asked they said that I needed to be working 30 hours a week in order to qualify for any of the programs. I submitted the paperwork showing I was working 30 hours a week but then never heard back from them. I did n't want to ruin my credit so I made three months of full payments but considering this three months was about 10 % of my income for the year ( {$1000.00} when I made about {$XXXX} ) I found this to be especially burdensome. I found out today none of that was true and I should have been filing under the FSA which Navient never told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: MA

Complaint narrative:
I recently discovered I have only been on a " interest-only '' payment with XXXX XXXX or as they are now calling themselves, Navient. The interest only payment is {$630.00} dollars a month! I make {$40000.00} grand a year and owe {$130000.00} in student loans so I immediately called them to ask them for a lower payment plan. They old me that I do not qualify because I " make too much money. '' I then told them that I have been in conversations with bankruptcy attorneys because of my student loan debt. They told me the only way they would even consider lowering my monthly payments and my current interest rates of 11.5 % is if I do actually file for bankruptcy. This is an absolute joke. These private loan lenders are sucking the working class dry and robbing us of any hopes of a future. I ca n't even move out of my parents house because my " minimum principal '' payment is {$1100.00} per month until I am XXXX years old. I am currently XXXX, how is this even legal? Legislation needs to change IMMEDIATELY regarding private loan lenders, especially XXXX XXXX. They are the biggest loan sharks I have ever dealt with in my entire life!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 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: FL

Complaint narrative:
I have an account with Bank of America and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Bank of America and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 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: WA

Complaint narrative:
Navient is reporting my student loans XXXX/XXXX/120 days late when they were deferred or forbearance. Tried disputing but it did n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XXXX calls from General Revenue Corporation from various numbers for a different person. At least XXXX more calls from representatives from an unidentified debt collector organization. When I call back they all reference an individual with a similar name but different social. Each time I corrected them based on the last XXXX digits of my social being different. They apologize. Each time I inform them that I have had multiple repeat calls from them, my phone number should be removed, and their database needs to be corrected. The tell me " our system says this is the first call ''. XXXX representative became argumentative even though we had already established I was not the person he intended to reach. This is a broken system that is irritating responsible citizens.

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: TX

Complaint narrative:
I 've been unable to pay. Was put on a payment plan that I did n't know about it ca n't afford to pay and I 've stated this to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
repeated calls from Municipal Services Bureau in regard to a debt I do not owe. Spoke with representative and in no uncertain terms I told them to stop the harassment. Last call from XXXX XXXX. XXXX. Are the collection companies suppose to use due diligence in locating the debtor? And should they not research the location and mode of contact of the debtor if and when they are told to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
Back in 2010 I was steered into forbearance by XXXX/Navient. I had XXXX loans for XXXX dollars each and interest rates of 13 % and 7 %. When I was out of forbearance, I called and asked how I can lower my exorbant interest rates, and the man in the phone told me there was nothing they can do. He told me I can go to another bank and take out a loan to cover the over XXXX dollars I owed just in those XXXX loans ( I had XXXX other large private loans at the time and multiple government loans ). These banks require collateral and would never loan a XXXX year old with over XXXX dollars of student debt, XXXX dollars. The man told me there was nothing I could do but pay the loans and I had to struggle through years of extremely high payments until I finally paid off the high interest loans completely. I still have over XXXX dollars in loans because I had to spend all of my savings and every single dollar I had so that I was n't paying over XXXX dollars a month in interest. I now live paycheck to paycheck still paying off the loans I still have with Navient. I make required payments every month, yet the balance never seems to go down. I feel as if they are not allocating my payments correctly which has been brought up by the lawsuit yesterday. I feel that Navient has taken advantage of me and cost me XXXX of dollars of interest that I should have not had to pay if they steered me in the right direction instead of telling me there was nothing I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am disputing this issue with Navient, but am sending the letter to your agency on the same day that I am sending it to their consumer advocate. Please see attached letter to Navient regarding their hits on my credit report,

Company response to consumer: Closed with explanation