vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-29 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
HOME @ FIVE MADE A HARD INQUIRE ON MY CREDIT REPORT WITH OUT MY CONSENT

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
I went to XXXX XXXX in XXXX Fl ... ... I was told by staff that all the loans I had were Stafford loans. I am XXXX and when I tried to get all my loans taken care of that was when I learned that I had a private loan through XXXX. That was and is very deceptive on XXXX part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 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: IL

Complaint narrative:
I get calls from Navient aka XXXX. Today XXXX/XXXX/2015 I have recieved XXXX calls from them demanding payment of a account I handle when I ask to speak with a supervisor its always a hassle. When I ask them not to call me after a certain time due to my work schedule i get told they will call me up to XXXX is there anything I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer.

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: MI

Complaint narrative:
When a Chapter XXXX Bankruptcy was filed in 2008, the student loans were in default and assigned to XXXX collection agencies, XXXX XXXX XXXX and XXXX XXXX XXXX. Appx. {$42000.00} was claimed and during the XXXX XXXX, appx {$25000.00} in payments were made. Upon beginning a repayment plan after bankruptcy was completed, I consolidated what I thought was left with Navient. Navient has {$52000.00} in student loans due and owing. No where in any student loan payment ( as far as I can see ) does it show the principle balances of {$15000.00}, {$6200.00} and {$3300.00} was applied to my student loan debt. I have opened a case with the obudsman group but they are also having difficulty finding what payments were applied and where. I can via my bankruptcy paperwork show the principal amounts that were paid and listed above. 
Navient does not answer emails, etc and I can not afford a {$600.00} a month student loan payment. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The chain of 'Assignment ' is in question for my mortgage ; To begin, XXXX XXXX XXXX the original lender ; then the loan was immediately sold to XXXX XXXX XXXX XXXX ( there is no record of an assignment of the deed that I have seen ). After XXXX XXXX XXXX XXXX 's demise Bank of America acquired loan servicing. XXXX was the tracking vehicle ( based on the 'Original ' Security Deed ) ; then, on XXXX XXXX, XXXX, Bank of America requested that XXXX XXXX prepare an 'Assignment of Security Deed ' from defunct XXXX XXXX XXXX XXXX XXXX Bank of America ( Bank of America had already been servicing the loan for 2 years, by this time ). Under the guise of XXXX, XXXX " Assistant Secretaries '' of XXXX signed the document and then the " assignment '' was sent to the county clerk and recorded on XXXX XXXX, XXXX. 

Furthermore, Bank of America sold the servicing rights for my mortgage loan to XXXX XXXX XXXX, effective XXXX XXXX, XXXX. On XXXX XXXX, XXXX an " Assignment of Security Deed '' was prepared by Bank of America, to be recorded and sent back to XXXX XXXX. XXXX stated in a XXXX XXXX, XXXX letter to me that the loan was still being tracked within XXXX and all assignments would occur there. However, the XXXX ( XXXX ) for HUD stated : " HUD does not work directly with the XXXX system, however mortgagees are not actively using the XXXX system anymore to sign documents and if there are any corrective actions being sought, the mortgagee must correct the issue outside of XXXX. XXXX has to align the title issue with the county clerk. '' Interestingly, XXXX did not send me a copy of the recorded assignment, based on my XXXX XXXX, XXXX QWR ; they only provided the unrecorded version of the 'Assignment '. Also, all the names on the document Bank of America prepared are stamped and the signatures a virtually illegible ( via XXXX some of the names have been noted as Robo Signers ). Upon further examination, the recorded document ( stamped XXXX XXXX, XXXX ) was changed from being sent to XXXX to being sent to a foreclosure attorney ( who requested this address change ). 

When viewing XXXX, Bank of America still shows up as the Servicer and there is no history of assignments. while XXXX was being used. The chain of title may be clouded, because there is no record showing that XXXX XXXX assigned, sold, transferred the deed to XXXX XXXX XXXX and Bank of America 's deed transfer to XXXX looks suspicious, because Bank of America was not sure they were going to Service Release my loan, until they confirmed to me on XXXX XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Bank of American account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Bank of America notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to " transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Bank of America what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Bank of America never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have been trying for 3 years to get a loan modification from Bank of America. For some reason, they kept denying me. I recently gave up, and I am trying to do the Deed in Lieu, or the XXXX program that they have listed on their website. I am a XXXX, and also just had a new baby. I ca n't sit around and waste time not knowing if my family will be kicked out on the street or not, so I opted to do the cash for keys and at least we know we would n't be left in the cold and would have some relocation assistance. My counselor and I applied with them on XXXX/XXXX/2016. Bank of America HAS NOT touched it, and has let my application sit. I now have a sale date for XX/XX/XXXX. 

My counselor called in to Bank of America and spoke to XXXX XXXX ( today ), who stated that I could not get this program until I " have received an offer for a short sale but was denied. '' That makes no sense and sounded like another made-up excuse to get us off the phone. 

Nobody at bank of America has ever tried in the slightest to help me. All I am asking is for relocation assistance ( program is advertised on their website ), if they will not help me with a modification. 

Nobody is responding to me and instead gave me a sale date. 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 2016-07-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Navient has permission to contact me through the number I provided them on file which is a personal number XXXX XXXX XXXX XXXX. I have not and never will provide them with my business number. However ; they have started to call my place of employment without consent ( XXXX XXXX XXXX. I work in a XXXX XXXX and XXXX XXXX XXXX and need access to my phone for crisis and by them using my phone to take up message space puts the clients I serve at risk. This may also lead to defamation of character. Student Loans are a private matter as companies may not look them up without a social security number, therefore my company should not be aware of my student loan status. This is in regards to student loans from XXXX XXXX XXXX in XXXX XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: MN

Complaint narrative:
Hello, I have been on Income Based Repayment for my federal loans since XXXX, and I decided to switch to the REPAYE program. On XXXX, my wife and I submitted an Income-Driven Repayment ( IDR ) Plan Request using the studentloans.gov website ( form OMB No. 1845-0102 ), which successfully obtained our XXXX federal income tax information and forwarded the request to my loan servicer, Navient. On XXXX, their representative acknowledged Navient 's XXXX receipt of this request after I inquired after its status. At that time, she requested 15 business days to process the form from the time of their receipt ( which would have been XXXX ). After hearing nothing regarding my submitted form by XXXX, I again inquired. A different representative replied on XXXX, stating " We are unable to switch plans until the IBR plan is terminated '', and that such a request MUST be made over the phone. On XXXX, I informed them that a signed, written authorization which precisely matched their instructions was already included in Section 6 of the submitted form ( OMB No. 1845-0102 ), and that I would submit a public complaint to the CFPB if they did not accept the official form. On XXXX, a third representative responded and persisted in refusing to process the XXXX request. It is now over 30 business days since the form was submitted, and this corporation has failed to act upon it. 

This private corporation ( Navient ) lacks the authority to arbitrarily ignore an officially approved form containing written, signed authorization for a process they are supposed to be facilitating on behalf of the Department of Education. Not only that, but they only communicate these arbitrary rules after one has submitted the legally proper form. Such blatant non-compliance is unacceptable. 

Also of note, upon my logging into their website, Navient is now are asking for reverification of my IBR plan by the end of XXXX, the time at which I would normally resubmit this exact form. That they refuse to use the submitted form despite its clear instructions is evidence that this private corporation is abusing its station and creating unnecessary paperwork for XXXX citizens. Such an act seems to be a violation of the Paperwork Reduction Act of XXXX. 

I will add that throughout this process, the individual representatives that have contacted me have been courteous and non-threatening, despite being unhelpful. 

Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
During the big bank bailout, Bank of America took over Countrywide mortgage and my loan..Before a balloon payment was due I called the bank to see if I could make a loan modification. Then the process began which went on for months. At first, a regular payment came due and I made the original payment and it was returned to my account. They refused the payment. I let XXXX XXXX know and we continued with the modification. At this time, Bank of America was turning in bad credit on my account. I told XXXX and she told me that the bank would make it right after we finished with the modification. I got a notice that I had to make XXXX Trial Period Plan payments of {$640.00} and these are the payments for XXXX, XXXX and XXXX 2015 that they are saying I did not make. They did not apply this to my loan until all XXXX payments were paid. They then added XXXX dollars for interest on the loan. I then received a notice that the monthly payment would be {$720.00}. On the same notice they wrote " We appreciate your cooperation and look forward to taking the final steps to providing you with affordable mortgage payments ''. No time during this process did I talk to anybody about this loan. It was dictated to me from beginning to end. During this time we got a notice that we could not talk to XXXX about this loan anymore. We had to talk to whichever loan officer who dealt with me when I called. I talked to XXXX loan officer about the payment being excessive and he said I had to wait for a year to even try lowering it. At this time we were dealing with another bank and they said our credit rating was destroyed because of these payments they said we did not make. I called their credit dispute division and they said XXXX had asked them to remove the bad credit rating. But they said they needed a letter from me asking to have it removed. I sent a letter and still nothing happened. I went to XXXX XXXX, XXXX, attorney, and they sent a threatening letter on our behalf. Still nothing happened. We received a letter saying we needed to sign an authorization form before they could deal with it. At this time, nothing has been accomplished with fixing our credit rating. I am still making regular payments of {$720.00} as dictated by the bank. They lowered the interest rate 1/2 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On the morning of XXXX XXXX, I wake up to find that my account is down {$500.00} from a withdraw on the previous night. I check my account to find out that there has been a deposit using a check in the amount of {$520.00} and then a concurrent withdraw of {$500.00}. I file a claim of bank fraud for both transactions. Because the check was bounced back, they closed the deposit claim. Then they just rejected my {$500.00} withdraw claim so now I 'm out {$500.00}. The deposit/withdraw was made at a bank I rarely use so I do n't know what 's going on. I have already requested to see whatever film they have on file. 

I have attached a the phony check ( both front and back ), the resolution letters of both claims, the statement of the transaction on it, and the account notice of the freeze of the phony check. 

Now additionally, there has been XXXX separate instance where Bank of America told me they were sending my debit card ( as a follow up to this instance ) and a credit card ( as a follow up to a previous instance ) via regular mail only to never arrive, and I had to call back to get one expedited 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 2015-07-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had been current with my mortgage payments with Bank of America since XXXX, up until early XXXX when, because of financial hardship, I was forced to stop making debt service payments. Before defaulting on my mortgage loan obligations, I approached Bank of America towards the end of XXXX to request assistance under the National Mortgage Settlement of XXXX. According to the settlement, every client who was current with their payments would be able to refinance. But instead of receiving any kind of assistance, Bank of America suddenly and abruptly sold the servicing rights to my mortgage loan to a company called XXXX XXXX XXXX. After this happened, I have not received any kind of assistance or any replies to my requests for assistance. In XXXX of XXXX, XXXX XXXX XXXX transferred the servicing rights to my mortgage loan back to Bank of America. To date, I have not received any responses to my requests for help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To Whom It May Concern : I have reached out several times regarding my current credit report & Navient account standing seeking assistance to no avail. Please be advised I am writing regarding my former XXXX now Navient student loans. When the time to pay on my loans initially began statements were being directed to an invalid mailing address and email address as learned when speaking with a customer service representative. During the dialogue it was recommended to move the loans to forbearance to clear up the matter & I believed the issue was rectified at that time by a customer service representative. 

Additionally, later on due to a separation from my spouse I was no longer able to make the needed payments each month. Although, I made efforts to maintain and stay current to my best abilities during that time period. For that reason, a couple of conversations were had with XXXX representative ( s ) and it was suggested to place loans in forbearance again. Also by taking this measure I was informed by the representative ( s ) all past negative information related to the student loans would be brought up to date and not negatively reported on my credit files. It was my understanding the updates in the system had been addressed at stated, which were not handled as such. After some time passed I learned when I attempted to apply for a home mortgage there were several delinquencies associated that has been negatively reported on my credit report from the 2013 calendar year. I am being severely penalized due to misinformation given by a customer service representative. I have tried to work with customer service countless times and each representative will provide different information, which has not made resolving my concerns any easier. 

I am requesting at this time to have the delinquent statuses removed from my credit records. Your cooperation would be greatly appreciated. 

Best Regard, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 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: CL Holdings LLC
State: CA

Complaint narrative:
I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation