vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Due to unforseen business problems associated with the downturn in XXXX, I lost a business where I had personal guarantees that caused me to seek personal Bankruptcy in late XXXX through XXXX. At the time I owned XXXX homes with mortgages with XXXX different financial institutions. XXXX I lost through the bankruptcy, but the other I kept which is the XXXX I am writing about. As part of the process, I went through the HAMP ( Home Affordable Modification Program ) which resulted in a loan modification. The trial period was completed in XXXX and a loan modification was completed. I have made all payments fully and on time since the trial period began and continuing with a loan modification through today - additionally earning " pay for performance '' incentives from the program each month eligible. 

A large part of rebuilding my credit is the new history of on-time payments. As such it is important that all of my credit history be available. My mortgage holder refuses to acknowledge and report my mortgage performance to the credit bureaus, citing my bankruptcy as the reason they do not have to report it. They indicated that I did not " reconfirm '' in the Bankruptcy proceedings that I intended to keep the mortgage, although I acknowledged in my initial filing that it was my intent, went through the HAMP program during the Bankruptcy, signed new mortgage modification paperwork, and have made all payments on time since completing the trial period to qualify. Additionally, since they will not report anything, my old mortgage shows on my credit reports as in Bankruptcy without showing resolution. 

The Bank was not asked, nor did they offer, to reduce the principle amount owed on the loan. While the interest rate on the loan is less than the previous amount on the original mortgage, they will be whole once the note is paid off. 

I previously contacted the Bank on more than XXXX occasion, seeking to have payment information reported to the credit agencies. The farthest I have gotten was being referred to the Bankruptcy department where I was told that since I have not " reconfirmed '' my intent during the Bankruptcy they were under no obligation to report my information. My only option was to reopen my Bankruptcy ( at my cost ) to reconfirm the mortgage. 

While others did suffer because of my Bankruptcy, as well as me personally, this particular institution did not. The whole intent of Bankruptcy is to help people get out of overwhelming debt and get back on the right track to financial independence. I am working very hard to resurrect my credit rating which for many years was in the high XXXX. But that is made difficult by the fact that the Bank will not report my credit information. I can not accept that this Bank has the right to hold back such information since I have a modified loan in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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: NY

Complaint narrative:
Good evening, I currently have several private loans with navient bank at which my offical payment is due. I have been paying interest only for the last few years and my options have expired. I spoke with navient and pleaded with them to help me reduce my XXXX dollar plus payment at which they advised i could extend my payments to 300 months. After trying they still wouldnt hear my pleadings for a lower payment at which they took my financial statement and my step fathers financials ( co signer ) i advised them i could only afford an XXXX dollar payment and that my bills exceeded my income with the larger payment and denied me a reduced payment due to my step fathers ability to pay ( he is on a fixed income of social security and pension ). Navient said based on his credit he was able to pay what i coulndt. I called many times advising i couldnt afford this payment and was advised that all of my options have been exausted and would have to pay fully every month. I dont know what else i can do. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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: HI

Complaint narrative:
After repeated attempts in XXXX and XXXX of 2016 to make an extra monthly payment of {$350.00} on my student loan online I called Navient to attempt to make a payment over the phone. The Customer Service Representative I spoke with in XXXX told me I was unable to do that because of " company policy ''. Then I called again in XXXX to try to make another payment over the phone and after haggling with rude CSRs again they told me my payment of {$350.00} would go through. After checking my account balance on XXXX I found that, though they did process my payment of {$350.00}, they made an unauthorized additional payment of {$350.00} without my permission. 

When I want to make extra payments they tell me I ca n't make one. When I do n't want to make extra payments they take my money without my permission. Their customer service staff is rude, dismissive and unprofessional. Their payment staff is ignorant and completely incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a timely appeal request and no written determination has been issued to date. This means, as a matter of law, until a written determination of an appeal is issued to the borrower, the modification process that began in XXXX can not be considered concluded. Therefore, Bank of America is required, as a matter of law, to keep a single point of contact ( XXXX ) assigned to this home loan account as I am still considered active in the modification process. 

On XX/XX/XXXX Bank of America is not following XXXX and other guidelines when it comes to incorrectly denying a borrower a HAMP and, instead, is trying to force me to restart the modification process rather than agree to settle for their misconduct throughout the modification process. 

I have repeatedly informed Bank of America I will not restart the modification process that I began in XX/XX/XXXX for which they have confirmed multiple times. Yet, Bank of America continues to harass me on this point. 

Bank of America has no standing to commence any separation processes or procedures such as foreclosure, but refuse to settle for their wrong doing. 

In the mean time, Bank of America is reporting to credit collecting agencies default on my mortgage loan while at the same time not taking any action to resolve the matter whatsoever other than harassing and threatening me time and again. 

Bank of America also keep on deleting and altering documents from the Online Borrower Portal. This is wrong on so many levels including their duty to preserve evidence and protect my personal and financial information. There is no excuse to be had on this point. 

Simply put, it has not cost Bank of Almeria any penalty they are not willing to pay when caught in the act of their wrong doing when it comes to the modification process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Last year I submitted a complaint against Bank of America for errors in reporting my payment history related to a loan modification ( Case # XXXX ). I received a document from BOA shortly after indicating the error would be corrected and sent to the credit bureaus. I 'm unsure of BOAs process, but these discrepancies are still negatively impacting my credit. 
I want these discrepancies corrected. I want a letter sent to XXXX servicing from BOA documenting their error and notifying XXXX that when the loan was transferred to them it came over as a current loan-not in default. I want a copy of my credit report from all XXXX agencies showing the correction. My XXXX loan number is XXXX. 
For questions, I can be reached at XXXX. 
Thank you 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 2017-01-09 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have decided to file a complaint through the Consumer Financial Protection Bureau after I was assigned a regulatory complaint servicing specialist through Bank of America. XXXX XXXX, the specialist assured me she would get to the bottom of the situation and resolve it quickly. The deadline for her response has passed and her number is no longer in service. 

It all started with the worst banking experience I have ever had. XXXX phone call lead to my account being closed without my permission and my credit slashed. 

I called to inquire about a balance transfer to a card that I have had a zero balance since XXXX. Do to some issues with my account, card services was unable to assist me so they transferred me to a credit analyst XXXX XXXX XXXX XXXX. I explained to XXXX what I was looking for and he said he would see what he could do. He asked me tons of questions regarding financial hardship, income, where I live, how I was able to make such large payments, etc. After all that he said he was unable to offer me anything but to keep an eye out. I told him that I was recently offered an offer which just expired, and he assured me he could n't reinstate it. I expressed to him that I have been receiving offers from other banks and did n't see the need to keep this account open if BofA could n't help me out. He said he would close the account, I interrupted him and said " do not do anything to my account till I speak to your manager ''. 

I was transferred to XXXX XXXX. XXXX was nice and wanted to know what was going on. I explained to him and he said to hold and he 'd check it out. Note : this entire time I 'm hoping for an offer or at least an option for a balance transfer. 

XXXX comes back saying that after further review the Bank Americard Visa XXXX ( XXXX XXXX is closed and that my {$10000.00} credit limit on the BankAmericard Cash Rewards Visa XXXX was reduced to {$2900.00}. Shocked I asked him why my account was closed when XXXX said I did n't have any offers but to keep an eye out? XXXX responded with " well you closed the account ''. I told him that I instructed XXXX to not do anything to my account until I spoke to his supervisor. XXXX could sense the misunderstanding but said there was nothing he could do. 

I called Bank Of America because I wanted to see if they could help me. I started banking with them when I was XXXX, a freshman in college. I have been loyal ever since. When I called I was hoping for some guidance, maybe not the answer I wanted, but at least some guidance. But the answer I got was completely different. I 'm modified at what happened and really upset over the outcome.

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 2017-01-19 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: TN

Complaint narrative:
Outstanding balanceb loan was sold and has increased unreasonable.Make several calls to me with these unreasonable amounts to settle out with a paymement

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have had a master card account since XXXX, services by Bank of America for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Bank of America of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Bank of America customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Bank of America instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Bank of America, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with bank of america customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks 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
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
It first began on XX/XX/XXXX- My checking account had a balance of XXXX. Later that day, Bank of America processed a XXXX transfer I did n't authorize. As a result, my account was overdrawn and I was charged XXXX for NSF fee. 
Shortly thereafter, I experienced major problems with my savings acct. 
From XXXX XXXX to XXXX XXXX, I was charged XXXX NSF fees@XXXX each totaling {$590.00}. The items presented were never cashed by B of A as I contacted the vendor- XXXX & paid them with another account. 
B of A is refusing to reverse the XXXX in NSF fees for the savings account and the XXXX NSF fee for the checking account. 
My savings account had a XXXX balance until they started applying NSF fees to my savings account. My checking account had a positive balance until they processed a XXXX transfer I did n't authorize.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Upon graduation from college in XXXX, Navient told me my payment was in the $ XXXX. I called multiple times explaining how this was too much money for one month, and asked how I can lower my payments based on my income. They denied this request for a whole year. In XXXX, I was given the option for an extended repayment plan, but it was only lowered to {$560.00} a month. I made this payment for one whole year, and in XXXX of XXXX, I called and asked to lower it again due to upcoming bills such as rent so I was able to move out of my parents house. They advised me to call XX/XX/XXXX. I called back the XX/XX/XXXX, and my payment was increased to {$590.00} due to interest increasing. They told me I would not be able to lower any payment, and the {$200.00} a month I could not afford, my consigner ( my grandmother ) would have to pay it for me. Every time I called Navient, I was given different information regarding my loan status and payment options. I was always told there was nothing else I can do, I would either need to make the payment or apply for forbearance. Today, XXXX, I logged on to view my account and the loan payment was increased to {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 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: OH

Complaint narrative:
Navient on behalf of University XXXX reported to the credit bureaus that I was late in payment while I was in forbearance until I could prove deferment due to attendance. The representative I worked with failed to mention that my documentation would not be retroactive. I disputed the late mark on my credit report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I defaulted on my private student loan account due to a bank error, in which my check was returned although I had sufficient funds to cover the payment. In turn, this caused further delinquencies on my joint private student loan account, which has been negatively reported to the XXXX major credit bureaus. 

Attached is a letter from my bank, explaining the bank error that caused my account to go delinquent in XXXX 2015. I have tried disputing this directly with Navient and supplied them with the a copy of the bank letter, copies of all XXXX credit reports and they have denied my request to remove the negative credit markers against me, even though this was something beyond my control. 
I am asking that the delinquent markers be removed from all major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-14 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: GA

Complaint narrative:
School : XXXX XXXX University - XXXX GANavient is refusing to reverse late fees they charged on my account when they erroneously reported me as delinquent despite me faxing/emailing my school enrollment confirmation. However, they reversed the delinquent charges but refuse to reverse late payments fees. I have always been in graduate school and have never withdrawn or taken a break and Navient have the documentation to support this.

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I cosigned for a private student loan in 2009 for my sister. The loan was originally XXXX. It has since almost tripled in interest. My sister has graduated and is working as a XXXX to pay her bills. I reached out to XXXX XXXX ( now Navient ) on several occasions to be released from the loan. I was told I had to make 12 consecutive on time payments and I could be released, but I could n't make those payments in advance. So I have been having a hard time trying to maintain my sister 's loan payments and mine ( I currently have federal student loans from a different service provider ). They would not allow my sister to make income based payments, instead they wanted to use my income. I do n't understand that logic since I am not the primary person on the loan. Needless to say, we are now 3 payments behind with no relief in sight and it is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Bank Of America, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Bank of America decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation