vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank of America I received response to complaint XXXX The response is confusing and raised more questions Bank of America response mixed XXXX different loans and properties that are not related except by my name, mailing address, phone etc.- which raised more questions XXXX XXXX, XXXX Declaration by XXXX XXXX Here are the questions XXXX XXXX signed XXXX XXXX, XXXX Declaration of Diligence to reach me- How did XXXX XXXX try to reach me? 
Bank of America has confirmed based on response I had XXXX loans with Bank of America - with same name, address, phone number I was talking to Bank of America every other day to complete modification in which I was told my XXXX assigned representative would be responsible for completing both home loans modifications - when the new provisions were put in place to modify second home mortgage XXXX XXXX - at no time tried to reach me - my mailing address, and phone number is the same to this current date. 
XXXX XXXX - should have been able to contact my modification representative whom also worked for Bank of America Regarding XXXX XXXX Letter XXXX XXXX, XXXX the letter states the foreclosure was XXXX XXXX, XXXX - XXXX XXXX sent XXXX XXXX XXXX, XXXX XXXX I wrote back to XXXX XXXX and explained the XXXX from XXXX XXXX was not in envelope XXXX XXXX wrote back and stated XXXX XXXX did not acknowledging XXXX XXXX, XXXX foreclosure XXXX only XXXX XXXX, XXXX - XXXX with no explanation- stated DO NOT SEND ANY MORE QUESTIONS Bank of America - you attached XXXX - XXXX and XXXX- XXXX - where are the XXXX ? same as XXXX XXXX and did not attach neither XXXX 's. XXXX XXXX states foreclosure XXXX from XXXX XXXX and XXXX XXXX - and XXXX XXXX would not explain why there are XXXX XXXX. 
My question to Bank of America is why are there XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX XXXX Explain and attach XXXX 's with next response The Fair Debt Collection Practice Act does not support deceit, trickery, misrepresentation etc.

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 2015-10-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a loan in XXXX 2006 from America 's Wholesale Lender which in my opinion is predatory.

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: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have information that states that Bank of America purchased my mortgage loan from XXXX XXXX XXXX XX/XX/2006. I have filed many complaints and send communications to Bank of America to get all the information regarding this transaction but I have never received any response with said information. All entities keep giving me the runaround which confirms my allegations that no one really knows who owns my mortgage and note and all my documents are fraudulent. I am attaching Debt Validation Letter, QWR, and documents showing Bank of America purchased this loan in hopes that I can finally get some answers. I WANT ANSWERS AND I WANT SOLID CERTIFICATED PROOF OF WHO OWNS MY 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 2017-03-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had an account with bank of america. Unfortunately my spouse has left me and I am not employed. I am currently on public assistance ( food stamps ). I spoke with a rep awhile ago at bank of america to see if I can claim a hardship. I was told I would be sent paperwork to fill out to prove my financial hardship. I never received any paperwork. I also had requested that they stop reporting 1 's and L 's on my credit reports as this is hurting my credit very negatively. This account has been charged off to a bad debt unfortunately. I have tried soon after the abandoment to do in good faith pay my card but under the circumstances I was not able to do so. I recently spoke with a bank of america rep who had called me and they were asking to me settle on 1/2 the debt. I 'm lucky if I have {$5.00} to my name. I had agreed to pay {$30.00} for 3 months in hopes that my sibling would help me and give me the money. Unfortunately he is unable to do so he ca n't supply me with anymore funds. I am in a very hard place right now and I have tried everything in good faith to not have this happen. I am requesting that bank of america please keep to what I was told and stop reporting the L 's and 1 's on my credit reports each month. I am submitting this complaint about bank of america because they promised me being the account was written off to a bad debt that the reporting each month to the credit berous would stop. To this day they are still reporting.

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 2017-01-23 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: TN

Complaint narrative:
I 'm making this complaint against Navient, who is currently my student loan provider, which once was XXXX XXXX. I want to start off by saying that I graduated from Virginia XXXX College in XXXX, and when I graduated, I owed almost {$49000.00} for my loans. It is now XXXX, and I still owe almost {$43000.00}. So I only paid off {$6000.00} in 12 years. That just does n't add up. Moreover, when I 've looked at my statements, they do n't make enough sense to understand how my payments are being applied. They just kept increasing my payments every year. It went from {$220.00} per month for a little while, then just kept gradually going up to {$260.00}, then {$270.00}, and then to over {$330.00}. Furthermore, I changed jobs in XXXX, and I could n't afford the monthly payment they had me on, so they pushed me into deferment for my loans. I did n't pay on my loans for several months, and then they finally offered me income based repayment. So it lowered my payment to {$98.00} per month, which was all I could afford at the time. So they had me on that for a year, and then when I reapplied for it in XXXX, my payment went from {$98.00} to {$220.00}, which made absolutely no sense because it was still supposed to be income based repayment. I knew my payment would go up a little because I got a raise, but my income had not increased enough to justify making my payment over {$200.00} a month. So once again, they offered to put off my payments, but this time they pushed me into doing forbearance. So I had it in forbearance for over six months, now I 'm currently back to paying {$220.00} per month, which I can barely afford. I 'm barely making ends meet, and they refuse to work with me at all. They refuse to lower it anymore. The only thing they ever offer is forbearance or deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: MI

Complaint narrative:
Having issues with repayment for years, I called XX/XX/XXXX to put my account into forebearance and set up " auto payments '' for 15 months. I accrued late fees on my account, because it was not made clear that changing the due date was passed to actual due date, which ultimately made my account " in the red zone '' ... .for months! Seven months later, I had " auto debit '' coming from a different account, which is different than auto payments, which again was not made clear. Making double payments for 2 months, I accrued late fee charges through my banks, because I did not know how to stop this from happening. I called XX/XX/XXXX to have the " auto debit '' cancelled and to continue with the " auto payments '' that I had originally set up back in XX/XX/XXXX, for a specific date. Now it 's XX/XX/XXXX. I just got off the phone with Navient. I talked to people in customer service and collections. I talked about my account still being debited for payments, accruing late fees with my personal bank. I was furious with them. They try to transfer me to different departments " trying '' to figure out my account, late fees, and double payments. Ultimately, I am so discouraged, I do not trust that they will take the correct amount from my account on the said date. I owe a large sum of money, work full time, live with my parents to save money, and still can not make payments. They do no explain what they are doing, until I am screaming at them through the phone, making myself so upset I am literally XXXX. Customer service does not/ can not see what collections does and vice versa. I am making a formal complaint because they assume the borrowers know exactly what is happening with their accounts and money. They do not explain anything and will tell you whatever you want to hear. I do not trust this company. I wish there was a way out, for my own personal sanity and not be financially burdened by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient cheated me out my rights to lower repayment, did not informed me of other programs that would better fit my income. Navient has damage my credit by reporting incorrect information, as a struggling borrower I was mislead into forbearance would be the same as income driven repayment plan. Very poor service, and has cause a great big hardship on me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I recently submitted a complaint ( number XXXX ) regarding mortgage issues with Bank of America. A representative called me on XXXX XXXX or XXXX, in regards to the complaint, and during that conversation, the representative started laughing at me and my situation. This is now the person who they have assigned to assist me with my mortgage. Also, during that conversation, ( after the representative started laughing at me ), I asked to speak with his supervisor. I was told she was not available, but that she would call me back in 30 minutes. The supervisor did call me back, and was helpful, sort of. She explained that she would be sending me some documents, and would call me back on Friday XXXX XXXX at XXXX. ( her name is XXXX XXXX XXXX. We set up an appointment for her to call me. She never called me. I called her at about XXXX XXXX and received her voicemail. This seems typical of Bank of America as I have been dealing with them on trying to get a loan modification XX/XX/XXXX. They keep saying they are sending out documents, and they never do. I spoke to them back XX/XX/XXXX and was told they would be sending the documents. I also requested the documents multiple times in XXXX and XXXX as I had regular bi-weekly phone calls scheduled with my " dedicated account representative. '' These dedicated account representative has indicated on my account that I was unresponsive and Bank of America has now placed my home in foreclosure after they refused/returned my payment to them to bring my mortgage current and up to day. They are now making me pay additional fees totaling {$450.00} + potential escrow fees + the amount of money I sent to them XXXX which they refused ) in order to remove the foreclosure status of my loan. They are also requiring that I send my payment in certified funds or a money order, which of course costs additional money, plus they only gave me 4 days to get the payment to them and require it be sent overnight express mail, which also costs additional money. They really are not looking out for people who are struggling to pay their mortgage and are doing what everyone says to do, and that is stay in contact with your mortgage company and attempt to make arrangements to pay. Bank of America does not follow through with what they say they are going to do, and in the mean time, when consumers are doing what they say they can do, Bank of America puts your home in foreclosure. There are many websites that warn consumers to be aware of scams ... .well, I think Bank of America should be added to the list of scam artists.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16 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: GA

Complaint narrative:
I took out a student loan for the amount of {$12000.00} XX/XX/XXXX to attend XXXX XXXX University in XXXX, GA. I was assured that my interest rate was 6 %, and reluctantly agreed. What I did not know at the time was that the interest rate was variable, deep within the many pages of fine print of the original contract. Since then my interest rate has ballooned to 18 % and now currently it has went back down to 13 %. I am not working, and although I have been trying hard to gain employment I have been successful. Back in XX/XX/XXXX, after graduating, I found myself in the same predicament, and XXXX XXXX lenders allowed me to defer my account for three months. Now XX/XX/XXXX, I am in a devastating financial state, and XXXX XXXX says according to the terms of my agreement, I can only forebear it once during the life of the loan. They are now threatening to take me to court, and will not work with me in terms of allowing a brief forbearance while I continue to aggressively attempt to secure employment. They did say I can possibly make a payment plan of {$150.00} a month, but only if I submit my bank statement, and the rep even noted that if they find that I spend money on XXXX or restaurants, they will not consider this plan, because I must " obviously have money ''. The truth is {$150.00} is not bad at all, but I just do n't have that money at this moment. Any advice on how to proceed will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 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: FL

Complaint narrative:
I have been paying my loans on time for years and the balance never goes down. XXXX XXXX Navient does not provide enough information for me to understand how they are continuing to XXXX me. I signed up for these loans as a kid so I understand I signed a contract for the load fees/ origination fees, variable interest rates etc. 
However, the information provided does not show the loan balance. It simply shows what has been applied to interest and what was applied to principal. The thing is in my budget I write down my last balance for each loan and even though the loans are in repayment they continue to increase in the amount owed. 
I have also noticed " Repayment Fees '' this is ridiculous considering how all of my loans have doubled in value and my monthly payments do nothing ( I understand amortization, but for the loan balance to continue increasing while in repayment is inexplicable. ) I called to speak to someone about the fees and they assured me the account would be credited ... it was not. The people who work at the call center barely speak English, never mind understanding my concern with the loan balance continuing to rise while in repayment. This company needs to provide a running balance to show how each payment has effected the total of the loan. Otherwise, they are continuing to rob us blind more so than they can legally. 

I have attached a screen shot of the information Navient provides to its customers. As you can see I have paid interest and principal payments, however somehow the balance I owe has increased ... .. They are playing games and this is most likely illegal. They need to show how each payment effects the balance and if more interest is charge in a month ( because of the variable rate I am sure ) they need to show that as well. These loans will never be paid at this rate and my total SL per month = {$1600.00}, how am I supposed to live with this payment especially if the balances only increase over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: MN

Complaint narrative:
Navient has taken auto debated from my account for two months after payoff of my Federal Direct student loans. The first withdraw was after full payment, the second withdrawal was after auto withdraw enrollment had ended. Navient also adjusted a balance onto the account at the time of the second withdrawal XXXX XXXX documents signed and returned. Checks for {$120000.00} sent to Navient XXXX Navient posted the received amount with resulting {$89.00} credit ( Date of zero balance ) All loans posted correctly. 
XXXX Navient initiated auto withdrawal of {$1900.00} from Savings Acc. ( Should have not been withdrawn ) After calling in, the rep. stated that the payment would be reversed and that the money should be going back to the savings acct. Agent of Navient suggested contacting bank. 
XXXX XXXX, payment reversal of XXXX posted to account. 
XXXX XXXX bank stated there was no indication of payment reversal. Explained the situation to the bank, Funds refunded. Stop Hold placed on account. 
XXXX Navient posted new balance of XXXX, backdated to XXXX, no capitalized interest as of XXXX, but now earning interest. 
XXXX Navient initiated auto withdrawl of XXXX from Savings account without permission and without being enrolled in auto withdrawal. 
Navient claimed the XXXX withdrawal was blocked, my bank claims the money has already transferred to Navient. 
I 'm asking that Navient send a payment in full letter dated for XXXX/XXXX/2016 per payoff date. I 'm asking for XXXX payed per overpayment. In addition, I demand quick response and return of the funds amounting to XXXX taken without permission or authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23 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 have had a mortgage through Bank of America for my home for more than 5 years. Originally the address of the property was incorrect ( XXXX " my road '' ) in XXXX of XXXX I corrected the physical and mailing address to XXXX " my road '' through XXXX XXXX real property office and my post office. My insurance company along with everyone else made the appropriate changes. When contacted, Bank of America made the changes but only to my mailing address. In the fall of XXXX Bank of America requested a copy of my homeowners policy. When sent, they declined it and said I needed a policy covering XXXX " my road ''. I have made several attempts to get BOA to change my physical address since fall of XXXX. They are delaying the process and I have sent them all requested documents via email and/or fax. Now starting XXXX of XXXX BOA has provided an additional homeowners policy through escrow thus significantly increasing my monthly payments. My homeowners policy is current and is the original XXXX from the start of my mortgage. BOA is making me pay for another policy covering XXXX " my road '' which is no such number and does not exist.

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 2015-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: The CBE Group, Inc.
State: ME

Complaint narrative:
XXXX XXXX keeps sending letters from several different collection agencies after several attempts by my attorney to report this as a dispute of validity of debt. Despite repeated requests to have correspondence go through my attorney, all communications are still being sent to me directly. No one from XXXX XXXX the original creditor ) has made any attempt to solve this matter.

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

Complaint narrative:
When my Stafford subsidized loan was serviced with just XXXX, my interest rate was 5.8 %. Since they were sued and split into XXXX companies, my same loan from Navient is listed as 6.8 %. I signed a promissory note back in college to a fixed interest rate and they changed it when the " new '' company took my loan over. I have screen shots to prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Under Navient, I was never informed of the public employee forgiveness program, nor was I informed of income driven repayment options. I have been accumulating inters for years on a loan that I did not know had alternative options. As a public employee, for nearly 10 years I could have paid at almost to the point of forgiveness.

Company response to consumer: Closed with explanation