vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XXXX, 2016 I was made aware of my redemption rights and moved forward with selling my property at XXXX XXXX XXXX XXXX. XXXX KS XXXX. 

XXXX, 2016 I arrived at my property and discovered someone had mowed the property, changed the locks, pad locked the garage door and fence gates and removed all of my personal items. At that point i contacted Bank of America and was transferred multiple times with no resolution. 

XXXX XXXX, 2016 I entered into a binding contract to sell my home and closing was scheduled for XXXX XXXX, 2016. 

XXXX XXXX, 2016 I researched Bank of America and emailed XXXX XXXX, Chief Administrative Officer. XXXX then passed me along to XXXX XXXX, SR VP Enterprise Customer Care Resolution. He called me the same day and I made him aware of my situation. XXXX and I began communicating through email after the initial call I received from him. He made a few phone calls and I received an email from him that day with what was supposed to be the lock-box code which was incorrect. The following day I received an apology from him and was given the correct code. 

XXXX XXXX, 2016 I sent XXXX XXXX an email stating i was able to get into my home and thanked him for his help I also asked him to confirm that I will NOT be charged anything done to the property as of XXXX XXXX ( locks, mowing, maintenance etc. ) XXXX XXXX, 2016 XXXX responded CORRECT. I have all of the emails saved as well if you need that documentation i would be glad to send it. 

XXXX XXXX, 2016 I went to my property to do some final maintenance and move the rest of my items out. When i arrived once again my house was locked up and my personal items were gone. I immediately emailed XXXX XXXX and called XXXX XXXX ( BOA Attorney at XXXX & XXXX ). XXXX answered the phone and I informed him of my situation and my frustration. He told me he would contact his client and I would hear from someone the following Monday so i could get my items back. 

As of this moment i have not heard a word anyone. 

The other issue i have is that XXXX XXXX Attorney for BOA emailed me the redemption quote on XXXX XXXX, 2016. We closed on my home the morning of Friday, XXXX XXXX, 2016. At XXXX that same day I received an " updated '' redemption quote with added charges by BOA. 

Contacts : XXXX XXXX, SR VP Enterprise Customer Care Resolution BOA XXXX XXXX XXXX, Attorney 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 explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: IN

Complaint narrative:
There is a collections through Jefferson Capital Systems in my credit report account # XXXX from XXXX XXXX. I have tried disputed through the credit bureaus that it is not mine but have had no success. I called the company and they stated I lived at an address I have never heard of and a cell number I have never heard of as well. I told them it was not my debt and I wanted it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON BANK OF AMERICA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: NJ

Complaint narrative:
My complaint is against Navient. I was co-signer on my daughters college loan from XXXX XXXX in 2003, my father was the primary borrower. I have been paying this loan on time since my daughter started college. XXXX XXXX sold to Navient and now I am being harassed for missing payments and late charges. I have faxed bank statements showing every monthly payment that is made through my bank. My father and daughter have since passed away but I still continue to pay this loan. Every month I receive a letter and when I call I get a different answer each time I have asked them to stop harassing me as it upsets me considering my daughter and fathers passing but they continue to call and send letters. I can not afford an attorney to stop this from happening and do not know what else I can do. They are now threatening to send this to the credit bureau. I would appreciate any help you can offer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: ME

Complaint narrative:
On XXXX XXXX, 2015 I received XXXX separate phone calls from a XXXX XXXX with Consumer Portfolio Services. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST which I answered. XXXX XXXX indicated that I owed a balance on my loan of around {$9700.00} and wanted to know how I would like to pay the remaining balance. I informed XXXX XXXX that I make monthly payments on the account. She seemed very confused and confirmed that I was making monthly payments and then said that my account had just been placed in her department and she was calling to introduce herself. She said if I had any questions to contact her at XXXX ext XXXX. The conversation ended with that. 
On XXXX XXXX I again received XXXX separate phone calls from XXXX XXXX. The first call was received at XXXX EST and a voicemail was left. I received another phone call at XXXX EST with another voicemail being left. I returned the phone call and spoke with XXXX XXXX which I informed her that this was the fourth call she has made to me in less than a week. She said that she needed to know when I make my payments. I told her that CPS services my loan and should know when I make my payments. I asked her if the account was past due and she said no at which time I told her that she really has no need to be calling me unless my account is past due. She said that my payments are inconsistent at which I responded that they are usually made within XXXX days of the due date. I told her I work XXXX hours a week and I 'm attending school for my XXXX degree so, yes, sometimes making the payment on the exact due date does not happen. I told her that I have had this account for almost a year and that no one from CPS has ever called me to indicate that there was any issue with how I make my payments. I informed her to not call me again unless my account falls past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In applying for a loan modification, Bank of America, I was told XXXX would be contacting me to help with the application form and any other paperwork needed for the process. I was sent someone, XXXX XXXX, 2015 who went over the docs and said he would be sent the next day XXXX. I called BoA on XXXX, and asked if they had received the paperwork and they had not, but that they fully expected them to be there in a few days. I kept calling for three weeks and no one could track where they were. I was anxious because the paperwork contained tax papers and copies of my bank statements. When I asked BoA to verify that the person was indeed who he said he was and legit, they had no idea how to track who had showed up. I left a message at XXXX. and a few days later they called verifying that the papers should have gotten to BoA. I spent several hours following up to no avail. Finally after three weeks, I was told me papers had been received, but they could n't tell me what the delay had been and where they had been. 
In the meantime, my request has gone to underwriting and they are again asking for additional docs, which could have been sent the first time around. 
I feel there 's a game being played in which I 'm given the run-around. 
Three years ago I had been given a modification, and there were many attempts to send papers, poor follow-up and no coordination between departments. It seems to be a strategy to make it really difficult and place arbitrary obstacles so one is discouraged from continuing. 
I had also followed up previously as to why I received the particular type of modification they gave me, and have never received any explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have had a Bank of America checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 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: NJ

Complaint narrative:
I have a XXXX mortgage with BOA. I have been paying on it over 10 years. I have never missed a payment. I monitor my credit report for it is important to me to keep my credit status in good standing. It was not until I received a notification from the credit bureaus that I realized BOA reported to the bureaus that my account was late on payment. My credit score dropped a significant number of points for this reason. I checked my bank account and the payment was made on time. I called BOA and they said it arrived in time but was short about {$54.00}. I was upset and mentioned that BOA has then misreported what actually occurred to the credit bureau. It was not late. I disputed the transaction with the credit bureau as well as with BOA and BOA will not remove the negative reporting. What had occurred was the interest rate changed so the amount of the monthly amount increased. What is so ironic is the payment use to be approx $ XXXX-XXXX a month for 10 years and now XXXX. I never received a kudo on my credit report when I sent in XXXX or more in the past but as soon as it was short they were quick to report that without notifying me. Overall my complaint is I explained why the payment was short ( I had no knowledge of after 10 years of paying on this XXXX that the amount had increased. I go into my bill pay and plug in the same amount for years. But to report to the credit bureaus that the payment was late was inaccurate, incorrect and false. The payment was made on time!

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 2016-10-24 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I sent Bank of America a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since 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 explanation
Consumer complaint received 2016-03-18 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: NY

Complaint narrative:
In addition to refusing to make negotiations via the mail, after repeated attempts to get answers without having to talk to someone on the phone ( which I contacted CFPB about a few months ago ), Navient has received over {$20000.00} in payments from me over the last 5+ years. I was horrified to find out that as of today, almost ALL of that money has gone into interest only payments. Of the XXXX loans that were taken out, only XXXX of them has decreased by around {$1800.00}. The rest of them have gone up - way up. In short, {$64000.00} has turned into almost {$75000.00} - and counting. This is a nightmare. I am making the only payments I can " afford. '' In all reality, I ca n't even afford the monthly payment for the plan they put me on. But after trying to negotiate with them on the phone this XXXX ( while on the brink of default ) and being asked all of my income and expenses, they came up with a random monthly payment after talking me through their 1 % interest plan. That number does not line up with my income vs. expenses - which are extremely high, and always have been. But according to their reps, this is the best offer they are willing to make. Even after explaining to them that I am an XXXX - living paycheck to paycheck, that I do not have health insurance because I can not afford it, and that I need to start putting money away for retirement ( but can not afford it ), there is still no other solution on their end. It is so incredibly disheartening that all of the money I have worked so hard to support myself with, and have used to " chip away '' at my student loans, feels like it is being thrown to the wind. It seems that no matter what I am able to afford, no payment is large enough that will make a dent in my principal balance. It feels like there is no end in sight, and I am increasingly frustrated with the way that Navient does business. It is truly criminal what they are getting away with - and I do n't know where else to turn. Having a college education should not warrant punishment, but that 's exactly what this feels like.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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:
I have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: MN

Complaint narrative:
Navient began servicing my student loans from XXXX a few years ago. Went through a divorce, and financially struggling. Applied for deferment, but was denied. I was told a forbearance would be the ideal plan for me. Navient proceeded to add a sum substantial sum of money to the loan and the interest went up to 20 %. Did not see any of this when hitting the submit button for approval. Since then been paying back a loan and getting know where on the principal of the loan. In two years the balance has not moved. Customer Service difficult to deal with, and feel misled. Now they want me to pay {$300.00} a month starting in XXXX, when I can barley afford the $ XXXX monthly payment now.

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

Complaint narrative:
They keep increasing my payment and will not work with you for what u can afford. Every year the payment increases by 20-30 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have been assigned a single point of contact with Bank of America. XXXX XXXX is the assigned contact. I have left XXXX voice mails and sent daily emails for the last 41 days without a response. I received multiple letters on XXXX XXXX from Bank of America that I was approved for a loan modification and also that I have received only XXXX modification. They are attempting to mislead me and not provide me with the loan medication they promised.

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 2017-03-21 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: NY

Complaint narrative:
On XX/XX/XXXX I was hit by a car and sustained XXXX XXXX and had XXXX done. I have been unable to work. I provided documentation to Navient and qualified for the income-contigent plan on the federal loans. For the private loans I was told I used my all my forbearance time but my recollection is that I did NOT use it all. I had no way to contest this and was offered no other option but to pay for the private loans in spite of my explaining my situation. I have no sick pay while I am out and not working. When they call me, it 's several times a day and sometimes a voice message telling me to call them so I can speak to a specialist that will offer me options. However I am NEVER offered options and instead told I must pay, in spite of my situation. I feel harassed by these calls as they will take place several times in one day, and in some cases the people have been rude. One occasion they asked me how am I able to pay other bills and this is really none of their business how I am managing. I was then told 'okay so you refuse to answer '. Their wording of my questions is that I am solely to blame. Furthermore, I have been paying off these loans diligently and have obeyed all their rules since I took these loans out in XX/XX/XXXX. Repayment began in XX/XX/XXXX and I have been paying regularly since then with more than % 8 interest. I am trapped in this interest rate and it is extremely difficult for me. I have been offered no other options and I do no know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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:
I have dealt with NavientXXXX for the last 6 years and have always had so many issues. Not only have I been harassed with phone calls on payments, my family has been harassed as well. I have also never been advised to seek XXXXhouse income based programs for any of my student loans ( private, education or federal ) and have always been told that I can only apply for their programs, most of which I can not afford the payments based on my income. I understand there is a current investigation on this loan provider and I ca n't seem to find information on how to get involved with this investigation to see if I have been overcharged or scammed. Any information on this would be very helpful and much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My student loans were transferred to Navient from XXXX a few years ago. I was notified by Navient on XX/XX/2016 that a parent plus loan went into deferment on XX/XX/2016. I immediately notified them on XX/XX/2016 that I did not want this loan to be in deferment. This payment was part of a loan credit program reducing the interest rate 1.5 %, but because I missed a payment because of their late notice to me this loan credit was retracted. They also charged me {$83.00}. I was not aware that when my daughter returned to school for a master 's program that when she placed her student loans into deferment the parent plus loan I have would also go into deferment. I have asked them in writing to reinstate this credit because I had no opportunity to ensure the payments remain consistent, but they have denied this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 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: AZ

Complaint narrative:
The issue I am having with Navient, is that on several occasions they have continually not processed information correctly, most recently my forbearance that was to be from XXXX XXXX through XXXX XXXX. I have called them several times to get the forbearance processed correctly and keep getting the run around. Currently it says I am past due with them, but I should not have a payment due until XX/XX/XXXX. I contacted them XXXX/XXXX/XXXX and was granted the 3 month forbearance. Subsequent contact was by email XXXX/XXXX/XXXX with no response, and phone calls on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XX/XX/XXXX. Every time I spoke to a representative they blamed the previous for not doing their job correctly and swear they fixed it with end result still being that the account is not accurate.

Company response to consumer: Closed with non-monetary relief