vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 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:
while travelling my accounts at bank of america were closed. 

No reason was given. 

Uncertain if the rest of money will be returned. Luckily i had stopped using the account and had transferred most out of it because the atm card kept having difficulty while travelling. 

There was less than {$1000.00} in the account, however I worry about my reputation on credit reporting agencies reports since they noted in their letter they could report to XXXX about account closure. Can you help clarify this problem, never bounced check, had no problems except someone deposited a check while my husband and were overseas but the bank accepted it even though they put wrong address on deposit slip and it was deposited out of state. That happened over 3 months ago and we thought the matter was settled. 

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 2017-01-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2016 Bank of America acquired the servicing rights to my mortgage. I did not have an escrow requirement with the previous servicing company and have always paid all property taxes and insurance, both hazard and flood directly. Bank of America has informed me that their policy requires that flood insurance be handled through an escrow account and have sent me a notice requiring additional monthly payments to satisfy this escrow requirement. I do not wish to make payments into escrow and when I originated the loan I indicated as such and the previous lender/mortgage servicer was agreeable to that. I do not see why I should be bound by the policies of a new mortgage servicer when I had no choice in the transfer from the previous servicer.

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 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: PA

Complaint narrative:
To Whom it May Concern : My name is XXXX XXXX and I 'm a wife and mother of XXXX children. I have paid my student loans every month since I graduated from college. After returning to school to get my XXXX in XXXX, I requested a payment plan that reflected my income, rather than the payments XXXX/Navient was requiring me to make. These payments were more than {$300.00} over my bi-weekly paycheck and made it impossible for me to pay other living expenses. XXXX allowed me to go on an income-based repayment plan for 18 mo twice. The payments were still very high, but I paid them every month. They did cause me financial hardship. I re-enrolled in the income-based repayment program again after the 18mo ended. I was given another 18mo and continued to pay on time each month despite having increased financial hardships from paying them. My account was then transferred to Navient at that point and each month, my payment was not distributed properly to my multiple loans. I incurred numerous fees and high interest rates on the loans that were not being paid because of this distribution error, and I called at least five times over the following months to have it fixed. Each time I was told they had fixed it and the fees, but then a few months later I would see that it had not been repaired and my loans were in default. At the end of the second 18 mo income-based repayment plan, I was told there were no more options and I would have to pay the full amount each month. This was now {$500.00} more than my bi-weekly paycheck and I have XXXX children to take care of. I am unable to pay this amount and have been in default since. My father is paying almost $ XXXX/mo towards the few loans he co-signed to keep his credit score from being affected, and it 's causing him considerable financial hardships. My own credit score is extremely low now, and my family is unable to purchase a house or a car. I have now been sent to collections. I am completely unable to make these high payments despite being employed full-time as a XXXX. I am out of options and feeling beyond frustrated with this situation. Thank you for your time and assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 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: RI

Complaint narrative:
I went to University XXXX XXXX for the first two years of my XXXX and XXXX College for the last two years of my XXXX. They have charged me a 9.75 % interest rate since I took my loan out over 5 years ago. Their interest rates are too high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: IL

Complaint narrative:
I was on a payment plan that was dependent on me making my monthly payments on time. If I missed even XXXX payment, my payment plan would no longer be valid and I would have to pay about 5 times as much per month, which obviously I can not afford. I was set up on automatic payments so that I would never miss a payment. However, every XXXX4 months, my auto payment suddenly would n't go through and I would contact the lender Immediatly and they would tell me since I was late on my payment, my plan was no longer valid, and as a result they tacked on so many penalty fees. I would then beg and plea and get back on the payment plan, but they would never waive the penalty fees. My loan has basically more than doubled because of these penalty fees that were not my fault. I am currently out of work, trying to get XXXX, and I have a newborn. My husband is self employed and we live paycheck to paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We feel terribly violated and defrauded by Bank of America , N.A . on my parents REVERSE MORTGAGE whom have past away, I am the Executor to their Estate and the Promises made to my parents upon obtaining a Reverse Mortgage was Sadly Misleading, and Now I have family members with XXXX School age Minor Children with Fear of being Evicted despite doing everything according to the, REVERSE MORTGAGE SOLUTIONS and XXXX XXXX XXXX, Hired by Bank of America have shown to be Bullies and using intimidating language, Refusing to Allow us to Sell my Parents home by refusing, Offers of Purchase and Stalling the process by Numerous Motions, and Unfortunate Probate Delays, despite repeating attempts to accept Real-estate Offers, I have kept in close contact with Bank of America 's Attorney, XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX XXXX County Court House, I have email threads providing a timeline of these failures, despite speaking out. I 'm XXXX and was unable to hire an Attorney doing everything myself, I was Offered a " Cash for Keys '' agreement by XXXX XXXX XXXX, XXXX that was then resended by THEM with no further explanation, with NO RELOCATION ASSISTENANCE for the family members left in the house. I find this REVERSE MORTGAGE of our aging parents, Nothing more than a SCAM, that once discovered, there is nothing you can do the victims are deceased, and the family is left with the burden. In my case my parents were longtime Bank of America customers and they TRUSTED them, BUT we could of never imagined this would be the outcome my parents expected and as the Executor of the Estate we were informed Bank of America has Mortgage Insurance Premiums, covering the mortgage upon there death, that I 'm sure they long collected. My pleas is to Bank of America , N.A . to do the right thing and Offer RELOCATION ASSISTANCE, of {$3500.00} to my family or ALLOW us to SELL the property we were entitled to do according to there agreement with my parents. Any further information you may need please feel free to contact 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 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
I owed XXXX {$570.00} back in 2008 which is now off my credit report. This company that calls itself JEFFCAPSYS is trying to get me to pay them for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
I went to a fraudulent school and was lied to about job placement, entry level salaries, and loan information. I was told I would receive career assistance and never got any and was told about jobs that were on XXXX. My school closed and was renamed and nothing was said or done. There are several articles that revealed my school 's fraudulent tactics and the problems with the accrediting agency. I was sold a faulty product and was deliberately lied to in order to enroll. I have never found a job in my field of study and struggled to pay my loans for over 11 years. My life was ruined because I was fooled and chose to go to this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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:
My loan has doubled and there are fees on it that were supposed to be waived. A forbearance was really easy did n't know about reduced income payments. When I found out called and demanded it. Then they acquired but took forever to process my paperwork racking up fees. My loan has doubled due to the years of forbearance. XXXX and now massive debt.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have auto-pay set up with Navient for monthly withdrawal from my checking account. However, they did not withdraw money on the month of XX/XX/XXXX and XX/XX/XXXX. I called Navient and they stated that the money did not get withdrew due to the holidays. Now I am paying an increase of {$6.00} and I believe it is not longer a 120 months pay schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am being harassed by Navient collection company for a student loan. I have n't received any documentation stating that this is my loan. Having this on my credit report is causing a hardship and possible loss of job. I am currently going through a XXXX and this negative action by Navient may cause me to lose my job. Please have Navient to stop the harassment and send me any documentation that states this account belong to me. I am requesting immediate action due to the fact that this account is being questioned by the investigators.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I have a medical collection which is being reported by XXXX different collection agencies however for the same original creditor. XXXX XXXX XXXX is the original creditor that turned over a debt in the amount of {$550.00} to both Syndicated Office Systems and Central Finance Control. These XXXX collection agencies are parent companies demanding that I pay the collection. It makes no sense to pay a collection account XXXX and it is difficult to determine who has legal ownership of the debt, or which debt collector had it first especially when XXXX claim to have acquired the debt on the SAME DATE. 

Syndicated Office Systems is reporting on my XXXX only, while Central Finance Control has reported the debt on both my XXXX and XXXX. According to recent actions ( XXXX/XXXX/2015 ) taken against Syndicated Office Systems by the CFPB, these types of collection tactics are unethical and illegal. 

Over the past XXXX months, I have hired two different companies in an attempt to validate the debt. However neither Syndicated Office Systems nor Central Finance Control responded within the XXXX time frame as required by federal law ( see attached ) and when they did respond, each claimed to legally own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
When I called Navient and inquired about the " Rate Reduction Program, '' supervisor XXXX whose employee code is XXXX, said, " We do not offer rate reduction program. '' When I told him that according to several websites ( NOT affiliated with Navient ) that educate students on how they can pay off their private student loans that Navient DOES offer rate reduction program, he said, " You do not quality for it. '' When I asked him why I do not quality for it, he said, " We do not disclose it. '' When I told him I want to know why I do not quality for it, he said, " We do not have to explain why. '' When I asked him, " What do you mean you do not have to explain why? I want to know why I do not quality for the rate reduction program as I am not able to make my monthly payments due to financial hardship? ", with an attitude, he said, " We do not have to disclose why. It 's at our discretion. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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:
I have been contacting Navient for all of XX/XX/2016. I am unable to log in to my online account and I am not receiving paper statements. Aside from checking through XXXX XXXX, I 'm essentially blindly paying Navient every month because of this. When I log in I get 'We need to take you to the previous website while we make adjustments to your new online experience. ' When I click the link to the previous website, I get the exact same error. Every time I speak to them they give me a roundabout answer speaking to my 'account being set up on XXXX XXXX so it 's taking time to transfer to Navient. ' For all I know the money is not being allocating to how and where I set it up and my interest is going through the roof. Ironically, I received my XXXX last week which I was able to log in and retrieve, then when I click 'my loans ' I get the usual error : 'We need to take you to the previous website while we make adjustments to your new online experience. '

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My original loan was with XXXX XXXX at the time of the loan it was being paid to them as scheduled we sent them a lump sum and they assigned monies throughout XXXX loans that instead of paying off the loan the was requested. It was then sold the Navient and for months and months we receive bills that said XXXX amount due. we were then notify that we were in default and started negotiating with them in XXXX XXXX we had trouble doing so so we had to involve another party since then they have reported me to the credit bureau you several times which to me is unfair is that I feel is I am under negotiation and I am not getting through to the right department to finalize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: OK

Complaint narrative:
I was contacted by the company Navient in between the hours of XXXX and XXXX yesterday. I was speaking to a young woman at first and our conversations have gone the same way since XX/XX/XXXX : that I can not pay a full settlement. My issue with not being able to pay is not the focus of this complaint, as I asked this young woman to please call me back at XXXX as I was driving in heavy traffic and I was not in a position to discuss my income or my situation. While at a very busy intersection this young woman was interrupted by a man named XXXX XXXX. He stated it was policy to monitor the calls as he stepped in to 'take over the call '. At that point I felt as if I were being three way called by an XXXX grade bully with enough lack of rhetoric that his title as 'supervisor ' is questionable. I was bombarded immediately with every time I had supposedly dodged this company. This man did not pause in his speech waiting for anything I had to say. He spoke AT me. Not to me. This caused me to pull my car over and nearly have a nervous breakdown while I entered into a yelling match with this man. I do not normally speak to creditors this way but his approach is what caused it. I asked his name. I even asked how old he was, to which he asked me 'What does that have anything to do with this? ' I asked this because I did not feel as if I was speaking to a supervisor of a company that handles more than XXXX in student loans, I felt as if I was being attacked by an XXXX thrown into the role of assistant manager at a nearby XXXX XXXX XXXX store. This company calls my father daily and I fear every day that he is going to have a XXXX XXXX from their calls. If supervisors of this company speak to people this way and attempt to collect in this manner this needs to be regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 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: FL

Complaint narrative:
See Related Complaint # XXXX Navient claims they can not reach me by telephone and email, and is no longer providing current statements or payment information on my online account, so I can not log-in to make payments or see current account statements. Also, they claim their emails wer3e returned, and I demand proof of this, as the prior complaint shows an email they sent to me and to which I replied. This also just changed after the XXXX 2014 collection call My telephone number XXXX has not changed ( see prior complaint ) ; also my email address has not changed : XXXXXXXXXXXX ( see prior complaint ). They are making it difficult for me to make payments timley.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Thank You for your help, i have a account with bank of america. I knew my balance was low so on tues XX/XX/XXXX i checked my account on line at XXXX it was ok, so i headed to work i start at XXXX i am a XXXX so the time i checked my account was on wed XX/XX/XXXX at XXXX i seen that the bank had charged me {$35.00} for not having insufficent funds ( - {$6.00} ) i called the bank and i explained that i checked my account on XX/XX/XXXX at XXXX i explained to garret the supervisor what happened that the bank was closed from XXXX to XXXX a total of 15 hours common sense would tell you this is not right i told him that he should refund my money because i was not given enough time to correct the problem he refused..

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 2016-10-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am extremely disturbed with Bank of America. They refused to review my loan for a modification review. I provided all the documents so I can be review, however ; they are just prolonging my loan so I can keep falling more behind. I tried to offer a settlement but unfortunate Bank of America stop offering settlements since XXXX 2016. Bank of America requested proof that my loan was not eligible to refinance before I can be offer a modification.Bank of America does not want to used the information I provided which is proof that my loan was not eligible for a refinance. This is not acceptable because I have tried to negotiate many times with Bank of America and they keep turning me down. I really dont want to end homeless specially at my age. As a homeowner I have my rights and I honestly I believe Bank of America is doing all they can to deny my loan for any assistance.

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 2017-03-14 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: VA

Complaint narrative:
Hello, I requested repayment plan based on income and never gets processed i am struggling with XXXX loans and need assistant asap. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is my second request for help. My mortgage payments were not posted on the correct day. I never spoke to anyone at Bank of America about my problem. I received in the mail a letter about the processing time for night drop that I was not satisfied with.

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