vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-14 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: PA

Complaint narrative:
This debt is not mines i have a delete letter but its not being taken off my credit report at all i want it off,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01 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: GA

Complaint narrative:
I paid off an equity line of credit months ago, 3 times requested the account closed. Now I get a bill of {$10.00} for what they claim is a " Release Fee '' to remove the lean by the county. This is an illegal fee that is not in my loan documents nor required by the county as the bank has claimed. The bill also threatens me with additional {$10.00} per month late fees so I have no choice but to pay the illegal fee. When I call the bank and requested the county bill and my signature at closing agreeing to any closing or release fees, they can not produce either. I had the same bank ( Bank of America ) for my mortgage, when that was paid off there were {$0.00} such 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 non-monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I closed a loan with the Bank of America in XX/XX/XXXX to purchase a home in the City of XXXX, MD. The title, Deed, Deed of Trust, and Deed of Trust Note were notrecorded with XXXX XXXX by the title company, so the title is not in my name. I did not purchase title insurance for myself, but I bought title insurance for Bank of America, the lender, when I bought the house. The title company went bankrupt at least 5 years ago. 
Bank of America required an escrow on this loan, that is to pay taxes, insurance and the payment on the loan. 
The problem is that I rented this home to a family and they stopped paying two years ago. When I attempted to have them evicted, I found that I could not, because the title is not in my name, but in the name of the seller. 
I notified Bank of America that the title was not in my name in XX/XX/XXXX. Nothing happened. I sent Bank of America a QWR noting that they were taking my mortgage escrow payments and paying for a home that is not in my name. 

Bank of America should have known this since they were annually updating the taxes to be paid. They would ordinarily check to see if the home ( their security ) is in the borrower 's name. Apparently Bank of America did not. 
I contacted CFPB XX/XX/XXXX. This is Case number : XXXX. 
I believed that you closed this case or deferred it because Bank of America told you that it is in litigation with me over this matter. I am now not in any litigation over this matter. I wanted Bank of America to provide me some financial reduction in the loan because of the losses that I incurred due to not being able to earn any income on the property. I must pay {$1500.00} a month on the loan, but have no income. Bank of America refused. So I signed the document to replace the lost documents in order to record the home in my name. So I have no litigation with Bank of America concerning this loan. 

However, as of today, the home has still not been transferred under to my name. Bank of America is taking my money, and has no incentive to finish the process of placing the home in my name, so that I can manage the home. 

I am current with the mortgage note, because I do not want to have bad credit. Bank of America is taking financial advantage of me. They wo n't place the home in my name. The attorney that the title insurance company hired to represent Bank of American is acting slowly. Bank of America wo n't reduce the debt ( the value of the home is now {$100000.00} and the debt is {$210000.00}, the home is in a declining area ), and Bank of America wo n't even let me refinance under HARP to reduce the interest rate from 7.5 % -- because the home is not in my name. 
This can not be a publicly acceptable response by Bank of America on one of its mortgage loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 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: NJ

Complaint narrative:
I completed a cosigner release form, this was the second time I completed this form in two-years. I supplied Navient with all the required information needed for the cosigner to be released. In turn, they denied my release based on my sole income, stating that I do not make enough annually. However, I included my spouse 's information ; passport and pay stub, as our total household yearly sum, which is more than enough to pay the loan monthly as I have been for the 12- consecutive months that they requested on the cosigner release form. I work part-time and I 'm a mother So I 'm not sure why Navient will not consider my spouse 's income as additional support for these payments. My time, money and effort have went into this without satisfaction and I did not end up with the results that I expected. All I want is for my cosigner to be released as I believed he would be if I completed and sent Navient all the valid and requested information. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I recently paid off one part of my Navient Student loan. While the site does show that my loan is pain off it recalculated the payment for the remaining portion of the loan ( approximately {$2900.00} ) for 33 months at {$130.00} for a total amount of interest of {$1400.00}. while this makes great business sense for them I fele that there interest rate during recalculation of 30.85 % seems inordinately high for the loan having an interest rate of 6.05 % of the loan. I did contact them through the web site but did not yet hear back other than an automated response. I would just like to file to facilitate a resolution. As it stands the loan payment amount should be approximately {$96.00} mostly over the last 33 months at 6.05 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America contacted me about re-fi my current loan. I called the number on the letter and went thru a series of questions which I answered in the affirmative. Then the Bank of America loan officer said that I can not submit my application unless I agree to modify my existing mortgage which currently does not require escrow of taxes and insurance. So, I said if I agree to the loan mod will you then allow me to re-fi my loan to a lower interest rate and he said " no ''. My current interest rate is 7 % and I wanted to re-fi my loan to a market interest rate. I was n't asking for lowering of the amount of the loan. Simply a reduction in the interest rate. My wife has XXXX and we were looking for some relief in the form of a lower interest rate. At the conclusion of this conversation, I told this loan officer that I believe what Bank of America is doing is wrong. You can not make a borrower agree to a loan modification to make me escrow my taxes just to submit my application for an interest rate reduction. I have written numerous letters to Bank of America to complain about their dishonest and unethical practices. I get nothing but " canned '' letter responses back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient reported my payments late when it was under a deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have been attempting to pay off my house mortgage. For the last year I have paid large amounts of money payments toward the principal. If I missed a month I was assessed a late fee even though I was well ahead of scheduled pay off. On XXXX XXXX, 2016 I submitted a payment that covered all the money owed on the statement. XXXX XXXX, 2016 I received a statement stated I had a XXXX Balance, XXXX XXXX, 2016 I received a statement statin I owed {$140.00} and that I needed to wire the money. The XXXX XXXX, 2016 I received stated I now owed {$390.00} which included {$13.00} for a county recording fee which I understand. 
When I called customer service I could not understand the representative and asked for one that spoke English. The second representive 's English was just a bit better. When I ask her why the amount owed had risen so much she had an off line conversation and got back to 15 minutes later saying " INTEREST ''. My response was {$170.00} interest on a statement that said {$140.00} five days before. " YES INTEREST '' I requested to talk with a different Representative that could explain the bill. I received XXXX who found some issues and concluded the bill was {$170.00} today. I asked him if he would accept a check and he said yes but that it would cost me an additional {$20.00} because it was not with the same back and that I would need a little extra because the bank would hold it for 10 days. XXXX did an excellent job. 
My complaints : That the customer service personnel were not trained " INTREST '' is not an explanation as an answer. 
With the difficulty in the language barrier, I believe the Bank was hoping I would pay the additional amount instead of challenging it. 
The late fees and necessity of charging me {$20.00} for writing a check from another bank. 
After paying XXXX dollars of interest why is it necessary to make closing so hard? 
When I was force to retire 8 years early because of a loss of job this bank was the ONLY bank that would not work with me on my home mortgage and Credit Card debt.

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: WA

Complaint narrative:
Good Evening, I 'm XXXX and I am writing in response to the Navient student loan legal concern. I recall being encouraged to take out a forbearance due to my financial situation. During this time I was trying to work to support my XXXX Mother and I, my income was the sole income there was no way I could pay monthly student loan amounts, so I was offered forbearance. I was never told anything about any other options and it was n't until recently that I heard of the income contingency plan. The customer service people at Navient make you feel lower than dirt for not being able to pay your student loan monthly amount. I 've cried in bed multiple times trying to figure out how to satisfy these people to the point of a full scale XXXX XXXX. I 'm not saying I do n't want to pay them, I am saying its impossible at this time and the federal student loan forgiveness plan put forth through President Obama, should be implemented regarding private loans. I 'll never pay off my student loans and money I have struggled to send appears to be pointless for the balance continues to grow, its like trying to walk uphill during a major mud slide you 're going to get buried. Please help myself and others, and thanks for bringing this issue into the spotlight.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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: CA

Complaint narrative:
My father who is a XXXX, XXXX XXXX XXXX veteran, was a consigner and primary payee for a XXXX private loan. He fell into bankruptcy and throughout that time they said he did not need to make any payments. However, they did not disclose how interest would continue to build during this financial hardship.They continued to take advantage of a low income veteran during a time they could have froze interest payments, Originally the loan was XXXX but after years turned to XXXX. In addition instead of a cap at 6 % interest rate they continue to raise his interest rate now at 8.25 %. They would not change the variable to a fixed interest rate. How is he suppose to pay this loan off? He ca n't even release his daughter from the loan. Navient has not worked with us and has been nothing but greedy and taking advantage of the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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:
I borrowed money from XXXX to get me through college and borrowed {$30000.00}. Fast forward 9 years out of school and I owe them {$32000.00}. I have continued my payments through out those 9 years and have nothing to show for it. I went on an interest only plan and they kept that going for 5 years. At the time I thought I had lowered payments because I was struggling. Now they jumped my payments up to {$460.00} a month and it 's difficult to cover. Why would they let that go for 5 years with the only letter coming one month before they spike up the charges. And on top of that, it was very difficult to find someone to talk to about my situation. It 's not easy living paycheck to paycheck and to add all this on top of it. It 's dragging me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed against Bank of America refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Bank of America within XXXX resident telling to U.S. Senators!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 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:
I have contacted Navient, initially, the party I spoke to said XXXX XXXX on uncountable occasions. This company has this fraudulent account on my credit report three times. I have never applied for any loan of any kind with this organization. I have sent my domicile as well it is public information that I have lived between the XXXX properties XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX exceeding 20 years. My daughter has admitted to signing the documents in which I was mortified when finding this out. Her signing my name to a contract without my knowledge and saying that we were dealing with my spouse and son battling XXXX, which I have unfortunately loss them both was a massive ordeal, but that was her excuse for signing my signature and not asking, that is unacceptable. I continue to say that I knew nothing of this until discovering on my credit reports, which I immediately contacted them and have been going back and forth since. I am attaching one of the contacts from my daughter acknowledging it is her debt, XXXX XXXX, not XXXX XXXX. I am asking again for this debt to be removed. If this were my debt, I would have paid and this would be no issue, but to liable for something I had no knowledge is absolutely insane. I am asking Navient to release me of liability immediately and hold XXXX the liable party of the debt. Attached again is a letter from XXXX XXXX. Please remove this fraudulent debt from the XXXX bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: OH

Complaint narrative:
School : XXXX University - XXXX, XXXX elected and agreed to a Reduced Rate Payment Plan with Navient/XXXX. In addition to being charged incorrect interest rates, my monthly payment was incorrectly allocated which is resulting in late fees and a delinquincy notice. After speaking with about XXXX customer service representatives and a call time of over XXXX hours, no resolution had been reached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After a review of Bank of America and their third party representative issued documents, it has come to my attention while the current single point of contact was previously assigned as the single point of contact in XXXX XXXX through XXXX XXXX, this home loan mortgage account was incorrectly tagged, coded, and forwarded to foreclosure resulting in the XXXX XXXX recorded Notice of Default and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Apparently, XXXX was allowed to purchase the mortgage note once XXXX XXXX XXXX XXXX XXXX XXXX represented the home loan mortgage account was active in foreclosure. 
Sometime in XXXX XXXX, Bank of America through their third party home loan servicer, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, incorrectly authorized this home loan mortgage account to be removed from the modification, loss mitigation, and workout processes and began the foreclosure process as evidenced by the Bank of America form entitled California Declaration of XXXX XXXX, XXXX and the recorded Substitution of Trustee naming XXXX XXXX XXXX XXXX ( XXXX ) as the beneficiary trustee. 
Bank of America representatives XXXX XXXX along with Assistant Vice Presidents XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, XXXX, and XXXX XXXX, all played active roles in removing the Cease and Desist Collections tag and code placed on this home loan mortgage account on XXXX XXXX, XXXX from this account clearing the way for Bank of America violations of various established consumers protections including, but not limited to, RESPA and TILA enforced by Regulations X and Z, MHA HAMP guidelines, and the XXXX enforced by the California Homeowners Bill of Rights ( CalHBOR ).

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 2015-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The mortgage lender for our home loan is Bank of America. We moved into our home in XXXX and in XXXX I lost my job and we began trying to work unsucessfully with BOA and are still being challenged with trusting, getting support, and responsiveness with BOA. They are giving us the run around, denied assistance, provided minimal assistance that was n't helpful and then simply are unresponsive in our modification process now. This has been going on since XXXX. 
1. We were denied assistance in XXXX because my spouse holds the loan but I lost my job. BOA told us they couldnt help us repeadedly. Our household income was reduced by XXXX. In XXXX I was underemployed working part time for approx XXXX a year and we requested assistance. We were approved for a trial modification reducing mortgage for {$180.00} a month. We could n't accept because we could n't even afford the reduced amount. We paid XXXX mortgage payments instead, rejected the modification, and tried to borrow $ from family and when work bonuses were received we tried to catch up. 
3. We continued to struggle, I was re-employed full time making 30 % less than the career I had before, were still struggling, went into forclosure in XXXX, took XXXX dispursements to get out, and we are still struggling. 
4. XXXX we have enormous debt, we cant catch up, we have sold all stocks to reduce the debt, we have high expenses, over XXXX in medical bill debt. We began the modification process in XXXX XXXX and as of XXXX/XXXX/XXXX we are still in it and ca n't get this process moving. We have been given the runaround, the process does n't tell you what additional information you need to send, they send the same letter over and over again without specific info on what they need just the boiler plate list of required documents, they do n't communicate with you, respond to emails or call back, meetings scheduled have been no shows on part of BOA, and the phone numbers they provide on their website do n't work. We have lost trust that we will get help and although we are paying or mortgage. we have bills that ca n't be paid ont he other side like car payments, daycare, etc. We have complied with everything they have asked and then some. This process needs an overhaul. HAMPT is meant to help homeowners not give then the run around. I 'm sure there are others in this same class that could come forward to validate these complaints. Its terrible.

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