vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-04 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: PA

Complaint narrative:
My sister was encouraged to take an exorbitant amount of funds out for tuition and room and board, at XXXX University in XXXX, XXXX She graduated with her degree and {$250000.00} in debt for XXXX. She has been employed since graduation making {$30000.00} or less every year. My mother ( her cosigner ) is now burdened by paying over {$2000.00} a month for these loans. She is a nurse and is nearing retirement and is probably not going to be able to afford to retire because of these payments. There is no way my sister can afford $ XXXX/ month when she is only making $ XXXX/month before taxes. After paying taxes and medical insurance, she is taking home less than the minimum payment amount of these loans. There is no option for income based repayment because they are Private loans, not federal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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:
Bank of America ATMs let you overdraw the account and then charge you a {$35.00} overdraft fee. This is unlike most banks ' practices. For example, XXXX and XXXX ATMs do n't do that. I called them at XXXX today and had to wait on hold an hour to ask for a one-time courtesy adjustment because they let my bank account overdraw when my girlfriend used the ATM. They refused the adjustment even though after the overdraft, Bank of America sent no email notification or XXXX application notification regarding the overdraft. They let the overdraft stand until early the next morning when I saw it, by which point they had charged me {$35.00} as an overdraft fee. They intentionally do not notify their customers so that their customers do not cover overdrafts. My account was only overdrawn a few hours until I covered it at XXXX or XXXX the next day. Even then, I was still charged {$35.00}. My account with them is not even a day to day account ; I usually only have {$1.00} in there and keep the account to send money to family. Also, I called them and asked for a one-time courtesy adjustment of this overdraft and they refused, saying that the fee was properly assessed. This is even though I never selected this intentional overdraft feature for my account, which has been opened 11 years. This must be a more recent feature they have added to rack up fees.

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 2016-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have been attempting to bring my past due mortgage up to date since XXXX of this year. I accepted a trial modification and made XXXX of these payments covering XXXX and XXXX. I also set up a third and final trial payment for XXXX. Unfortunately, my third payment has been rejected and I 've been terminated from the modification program without explanation. I have not been able to reach an assigned relationship manager since the end of XXXX. I have never once been contacted for scheduled contact with my relationship manager. I have called numerous times to inquire about the status of my account and I 'm told a different story every single time. I 've escalated this to a supervisor named XXXX XXXX who has failed to follow up in assisting me. I 've also contacted her manager XXXX XXXX on XXXX/XXXX/16 but I have yet to hear from him either. I received XXXX and XXXX contact information. I have tried diligently for months to bring my account current however Bank of America has not allowed that to happen. I continue to get the run around, calling almost daily trying to sort this out and get some type of definitive resolution. I do n't know how to get higher than XXXX XXXX and I have no idea what to do from here other than plea to the CFPB to please help 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 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: TX

Complaint narrative:
I have Navient formally XXXX and been paying on it since XX/XX/2005. It has not gone down any, I feel the interest I am being charged is not fair and I am not able to make the payments because of this, causing me to default. Please help me! It is ruining my credit. I want to pay back my debt but I am struggling for so many years!!! I keep having to do a forbearance. My monthly payments are killing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX is reporting a paid collection that was settled with General Revenue Corp in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My Fico score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from XXXX on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact General Revenue about my concern. He also stated that General Revenue responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires XXXX to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with General Revenue as well. General Revenue says that they can not report nor correct the incorrect information and that I must contact XXXX to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct XXXX to update the account with the correct info, General Revenue is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: PA

Complaint narrative:
I have been attempting to adjust my payment plan with Navient due to economic issues and being unable to make the current payment amounts consistently without severe hardship. I have repeatedly spoken with Navient representatives about lowering the interest rate, extending the duration of the loan, having a deferment or forbearance, etc. though each time the Navient representative quotes a repayment plan with a higher monthly amount. 
I received a letter from Navient stating that if a payment is not made by XXXX XXXX, 2016 then I will default on the loan., and they will pursue civil litigation options. Navient has contacted me every 1 to 2 hours by automated phone calls since the XX/XX/XXXX ; have been calling my family stating that " I listed them as a reference '' when I did not, ; and they have attempted to obtain my employment information from my employer by faxing a request to verify my income/employment status. However, there is no legal judgment on the loan as of this date ( XXXX/XXXX/16 ), and I did NOT give them permission to contact ANY of my family members ( except for my spouse ) or contact my work to verify employment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: NC

Complaint narrative:
For years XXXX XXXX was charging me a 9 % interest rate on my largest loan, and always told me there were no options for lowering this interest rate. Thankfully XX/XX/2015, my parents were able to pay off that loan by refinancing their home and taking out an additional {$36000.00}. 
I work a seasonal job and earned very little XX/XX/XXXX or XX/XX/XXXX, just barely enough to cover my rent, car and food. Navient, who now services my loans, is telling me there are no options for postponing or reducing my payments, so after years of paying on time and working hard to make payments worth hundreds of dollars every month to this company, they have no options for me except to just become late on my payments, be charged late fees, and have damaging information added to my credit report even though I have taken the time to contact them for help. 
It absolutely brings me to tears to think that all of my hard work to try to improve my life has just ended me as an indentured servant. I would n't be able to qualify to buy a home, or be able to afford having a child, let alone dream of saving for retirement. 
It seems like after having this monkey on my back and already struggling for 12 years, there should be some other option for me than bad credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: VA

Complaint narrative:
In response to my complaint, case # XXXX, Bank of America responded with the statement " In regards to your monthly statements, the section labeled " current payment due '' demonstrates the currently monthly charges without late fees ''. This is false. Please have Bank of America explain to me how they came up with the amount {$1200.00} under " current payment due '' in the statement period XXXX/XXXX/2016 - XXXX/XXXX/2016 without including any late fee.

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 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a residential mortgage on my condominium with Bank of America that was paid in full in XX/XX/2016. Despite repeated calls over nearly 6 months to their Customer Service line, and repeated promises made by Bank of America, I have never received the Satisfaction of Mortgage Documents or the original note. My understanding is that under Federal Law the Bank has only 30 days to send these documents. Nearly 6 months have expired. 

The address of my Residential Condominium is XXXX, New York XXXX XXXX The accont nuber with Bank of America is 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 non-monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2016 I received a call from a representative from the loan processing center of Bank of America regarding a recent application the under review. I believe there was premeditated intent to mislead me with the intent of gathering a statement from me with misleading questioning designed to profit their case against against me, under false pretenses this conspiring to deny me rightful credit approval has been propagated by several individuals therefore I suspect collusion. A further inquiry of this phone conversation will reveal several co-conspirators of this malfeasance of civil rights violations of fair lending? I am a minority and I demand an accounting of this habitual antagonistic contentious pattern of behavior towards under-represented people borrowing from institutions who were themselves saved with bail out money from ordinary people, like myself who pay their taxes.

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The amount for repayment will be a very high amount that I will not be able to afford. I am currently in deferrement with my loan due to being in school but is projected to start paying on the loan in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Please find the email I sent to BOA re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Bank of America/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a BOA client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only " options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or " financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with BOA. 

Sincerely,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19 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: TX

Complaint narrative:
I recently checked my Credit Report and have requested that Navient provide me with documentation that this alledged item belongs to me. Navient calls my cell phone, yet I have told them to stop contacting me by phone and to contact me by mail only. I do not know why I must spend so many countless hours correcting this companies mistake. There are a lot of people out there that have my same name. 

Please see the attached documents that Navient sent back to me as my resubmission in accordince with their request for information. I have also attached a 2nd letter to which I have not gotten any response on. Both letters were sent Certfied Mail To Navient. Navient contiues to report inaccurate information that does not belong to me or on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 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: NJ

Complaint narrative:
Hello, I have several outstanding loans with Navient. One particular private loan with an outstanding balance of approximately {$24000.00} has seen some unusual activity whereby the amount of interest charged was significantly higher with no reduction in principal for some months. For example, my rate is usually 5.5 % variable but there were some months where the annualized rate spiked up to as much as 8 % and then the next month it would return to normal levels. This sort of activity happened several times over the past 5 years. This makes no sense considering interest rates have been extremely steady. I need to know exactly how my interest rate is set every month ( Libor? What 's the spread? ) and why on some months, only {$1.00} of my {$160.00} payment went toward reduction in principal. I 've never incurred late fees since 2011. 

Please see attached the file containing the prior history of payments. Note under Column I is the annual interest rate which as you can see is very high. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank America is insisting a home buyer obtain a " shared driveway '' agreement from a neighbor when in fact it is not a legally shared driveway. Of course the neighbor refuses, so the bank is refusing to grant the buyer a mortgage. Neighbor and Buyer have yet to meet compounding the problem of having any ( inocuous ) agreement of any kind. The Bank wants a recorded agreement that forces both the Buyer and Neighbor to lie and in spite of attorneys for both buyer and seller stating the legal truth and wrongness of their request, the Bank remains obstinant. What to do? Does a consumer have any recourse?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Bank of America did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!

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 2016-07-27 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: IL

Complaint narrative:
I applied for and was granted a loan modification on the above Home Equity Line of Credit on XXXX XXXX, 2014. This process lasted nine months during which time I made interest payments as directed by Bank of America on time and in the amount requested. However Bank of America reported all XXXX of these payments as " missed '' to XXXX and XXXX which has severely impacted my credit score. 
I am requesting that these are removed from my credit report as it does not accurately reflect the integrity with which this loan handled. There is a big difference between ignoring a financial obligation and following instructions of a loan modification representative. In the ten years prior to the balloon date of my HELOC all of my payments were made on or before the due date and more than the minimum payment was made. During the modification process ALL of the payments were made on time and in at least the amount requested or more. 
The purpose of credit reporting is to indicate a borrower 's credit worthiness and commitment to repay their debt and I have made every effort to repay this loan in a timely and consistent manner and fulfilled all requests for documents during the modification process in 48 hours or less in an attempt to expedite that arduous process. 
This report has seriously impacted my credit score causing my homeowners and car insurance to go up substantially and I see no purpose in Bank of America damaging my credit score when I have fulfilled all that they required from me with this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: AZ

Complaint narrative:
Navient is refusing to work with me to lower my student loan interest rate on a permanent basis. They have refused to send me the terms of a 1 year program that lowers the rate by only 2 %. The Principle balance of my loan has more then doubled. I also believe they are outside the statute of limitations. Over the past 10 years they have called me multiple times sometimes more then XXXX times a day. They told me to move into a smaller house and do something to improve my situation. I have XXXX and work my hardest to pay for my loans - their reps belittle me and make me so upset I go home and cry. I can not take this anymore.

Company response to consumer: Closed with monetary relief