vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-18 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: NY

Complaint narrative:
I have been paying my student load for a number of years. I noticed as I began monitoring my credit that the loan amount on my student loan continued to rise every month even though I was making payments for a number of years. When I contacted Navient, my student loan service provider, it was found they had miscalculated the required payment amounts and did not cover the interest amount. I questioned how they planned to resolve the issue and correct the loan amount. They stated the interest would have accrued anyway and that no corrective action would be necessary other than increasing my payment amounts. This made very little sense, as for the years I had been paying the loan amount should have been decreasing. I am now stuck with higher loan debt amount and forced to pay a higher monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I held an account at Bank of America that had no fees. I only use this account to auto-pay my mortgage and a couple of other Bill Pays. I was notified late in the year last year that my account was negative. I immediately got online to see what was going on to find out that my debit card had been compromised. I am to this day not sure how that happened considering the debit card was in my safe at my home & had not been used in over 3 years. Never the less after reviewing my account I realized they had charged me a {$25.00} " account maintenance '' fee. After investigating further I went into a branch to close my account. They told me ( even though I was the ONLY customer in the branch ) it would be in excess of 1 1/2 hours before they could help me & that I could call in to close it. So, I withdrew all of my money and proceeded to call from the parking lot. The phone agent at Bank of America told me that I had entered a branch XX/XX/XXXX and switched my account to a kind that charged a fee. I demanded to know which branch as I had not been in a Bank of America Branch in over 4 years! After putting me on hold for 10 minutes she advised she could not tell me and that the switch looked strange to her. I advised her I had not been in a branch since XX/XX/XXXX and that I have NEVER received any notification via mail or email stating my account was changing. Since this was an account that I only use for XXXX-XXXX transactions a month I never reviewed my online statements which is why I did not demand a refund. I did, however, advise that I would be filing a complaint so that they could not do this to anyone else.

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 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a loan with Bank of America for roughly {$1600.00} a month, then experienced I a job loss due to the economy. I applied for remodification and became employed again during this application process. BOA kept stating that the documentation that I was sending was out of date range or that they did n't receive it or that it came through but was legible. Basically they were stalling the remodification process. My boss even got on the phone with them at one point because he saw what they were doing and said he witnessed the paperwork being sent on multiple occasions. Later I read in the news that during a lawsuit it was discovered that workers testified that they were told purposely do that to customers to increase total amount due. Well I got my Senator involved and the loan got transferred to XXXX and was modified to {$1300.00}. I was told if all payment were made that the loan would be permanently modify. Well not long after I completed all the payments BOA took the loan back and said that XXXX miscalculated the payment and that the taxes were thousands of dollars behind. They gave me two options : pay the money in one lump sum or have it added onto payment. I did n't have that kind of money so I picked the second option. BOA then increased my payment to {$1700.00} a month which is more than the original payment ( {$1600.00} ) amount that I needed modified. Not really much of an option. I called them ( boa ) and they said there was nothing they could do about it and the blame belongs to XXXX. This is not right to do to me. Now they ( boa ) have given the loan to XXXX who is about to put me into active foreclose because I could n't make that new high payment of {$1700.00}.

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 2015-05-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I HAVE NO CLUE WHO THIS BANK IS BUT REPORTED AS XXXX ON A FRAUD AUTO LOAN I WANT THE INQURIY REMOVED ALONG WITH STATEMENT TO XXXX XXXX AND XXXX TO SUPRESS ANY INQUIRY THEY HAVE MIXED MY FILE UNDER FALSE NAMES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: FL

Complaint narrative:
I have XXXX different privet student loans currently own by Navient. XXXX of XXXX loans are small loans. I only have concern third loan originally was {$25000.00}. I took this big loan on XXXX 2009. I have been paying this loan since I took the loan. Last XXXX I asked Navient to release co-singer for the loan since I never late pay or missed payment for last 8 years and it 's reasonable request to release the co-signer at this time. They denied my request in ground of my obligation more than my income. I asked clarification if they are saying my monthly obligation higher than my monthly income. After I proof for them my current monthly total obligation ( {$1200.00} ) way less than my current monthly gross income ( {$3000.00} ), they change the reason of denial to my total loan is to high. Yes my total student loan is close to half XXXX because I went medical school and almost all loan is federal loan. Since I wo n't start to pay my Federal student loan XXXX or four years from now before I finish residency, I do n't think it matter much for Navient loan since the term of the loan is less than five years from now. 

In short, I do believe Navient giving all kind of reasons to denied me simple request to release my co-signer while I have more than XXXX credit score and regularly making my monthly payment. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a loan with bank of new york servicing company is XXXX, first i was doing loan modification the bank did not qualified me then they offer me short sale in writing all this time their lawyer has been harassing me with dual tracking having me in foreclosure posting papers on my front door even do i have approval from loan modification and then short sale is almost impossible to speak with an associate they claim that my house does not have sale date with is untrue because it shows in the public records that the sale will be XX/XX/XXXX, so i hired an agent working for XXXX we already submitted all the information with the offer of qualified buyer every time they said that either they not receive the documents or they are missing is impossible to talk with the person on charge XXXX she never ever answer never different people would tell you different things misleading the homeowner in distress all i got is harassing letters from unprofesional record XXXX with really bad reputation with documented cases in all the social media by the way XXXX many phone calls i made to his office and they totally hung off the phone on me and one associate call me filthy XXXX because my accent they are pretending that they want to help but time is passing and the sale of the house is close, they send me letters with big numbers not according with my records impossible find out because they do not answer and change personal every month so looks very disorganize very unprofessional i have my agent working hard to get buyers and he is having the same issues XXXX is a prestigious company i guess they can testified that i am telling the true i hope lawyers from XXXX step in this case, i think they are malicious pretending that they want to help but facts show the contrary they making it hard for us totally misleading us.

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 2016-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
In XXXX XXXX, I was discharged from a bankruptcy. I had paid throughout the bankruptcy my 1st mortgage and HELOC with Bank of America. During the bankruptcy I received statements on XXXX mortgage, but not on HELOC. Even after the discharge, statements never resumed. I was never notified and even to this date notified of how much my payments are, the due date and any delinquency. I never received any type of information regarding my status on this account. In XXXX XXXX, I received an Intent to Accelerate Payments. At this time I contacted the bank and inquired about modification. I recently was serviced foreclosure papers XXXX XXXX. This is the first contact I have received from Bank of America since XXXX XXXX regarding status. Bank of America has been in violation and noncompliance of Periodic statement ( XXXX ). I inquired to representatives about why I was never provided with earlier notification and was told that if I do n't make a payment - I do n't get a statement. How do I know that the status of my account if there is not communication with Bank of America. I initiate a modification assessment and have been mislead by Loan Modification department by representatives, who would tell me to hold on and not do anything. i trust them, as they are the experts. I am now finding myself in situation where I could lose my home. I was never given any notice on status of account or provided with any statements. How can I pay on an account if I have no notification, information on who to contact or even a number. My compliant is Bank of America has violated XXXX XXXX XXXX XXXX XXXX that was in affect 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 non-monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
We closed on our home with a BoA jumbo mortgage loan in XX/XX/XXXX. Approximately 6 months after our closing, the city sent us a notice saying that our taxes had not been paid. We contacted BoA and it was hard to get a hold of them. When we finally did get a hold of them, they assured us that they would take care of it. Now, 1.5 years after our closing, we received another notice from the city saying that our taxes are delinquent again. After speaking with the city tax assessor 's office, it seems that our taxes have never been paid in the last 1.5 years and our property is going up for auction if taxes are not paid by XX/XX/XXXX. 

We again contacted BoA, who assured us the payment would be sent by XX/XX/XXXX. They payment has not been received by the City Tax Assessor 's office. We received another document stating that our property will be going up for auction due to delinquent 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 2015-10-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc.
State: CA

Complaint narrative:
Im being charged for something I never received and have talk to swiss colony several times as well as emails and nobody will help or acknowledge what, where or how I am being charged, but they have no problem putting this on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Dear CFPB : The ONLY Bank of America office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the B.O.A. in XXXX I complained to explained the XXXX County BOA did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of BOA 's " Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been BOA customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT BANK OF AMERICA 'S EXCUSE WAS. Thank you.

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 2015-05-22 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: LA

Complaint narrative:
I am dealing with Navient for XXXX private student loans. My sister paid {$11000.00} towards my loans to have her name remove as a cosigner. These loans went through XXXX collections agency and XXXX of them had no knowledge about the {$11000.00} payment. I started checking my account online and notice that navient did n't post the {$11000.00} to my account. I called them numerous of time and printed out documents from the online account. Then one day I decided to go on my online account and there goes the {$11000.00} payment but the balance remanded the same. First they told me that the online account does n't update because my account is with an collection agency and the information was n't correct. I asked them to send me information on my account and they only sent me information of my payment with the same balance as the online account. My thing is if the online account does n't update then why is the statement the same as the online account and why is my recent payment updated on there. I tried to get more documents on my loans and they refuse to send it me stating they was n't able to send me any documents. They keep sending me the same statement every time when I ask for something more detail. I try to contact the attorney that the judgements are with, but I get no answers and they never return my calls. They also had no knowledge of the {$11000.00}. I been going through this for three months trying to find the right balance because I calculated everything possible way to come up with the correct balance and it not coming close to anything they have and they refuse to send me documents and is giving a the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
For years I have had credit cards with Bank of America. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an " interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Fraud on my debit card resulting in loss of {$23000.00} from checking account. XXXX ATM card was used to remove the funds over 6 months. Bank claim has been submitted, claim # XXXX. Bank has not been cooperating to resolve issue and restore funds. Also a police report was submitted, XXXX XXXX XXXX Dept, Case # XXXX. A file was submitted through the Federal Trade Commission. All of these documents are available and I will try to attach.

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 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied for a home loan through Bank Of America since i have all my business and personal accounts with them. This mortgage process was started approximately 6 months ago. My specialist, XXXX XXXX, was very difficult to deal with and on multiple occassions would not reply for days to emails or phone calls. I stayed patient and after sending all required documents received a pre-qualification for a conventional loan of {$110000.00}. After i received the letter i began my search for a new home. After finding a new home that was within my budget i entered into an agreement on said property. The process was difficult and the seller would not budge on the price. I contacted XXXX and relayed that we may have to terminate the contract, but to wait for 48 hours as we might be able to come to an agreement. She agreed and the following day the sellers decided to reduce the price. I contacted XXXX and my realtor gave documents related to the price change. However, we found out that she deleted all of the documents given to her for the past few months. Yet, i stayed patient and resent all documents. Inspection and appraisal complete on the property, i contacted her once more. This time she demanded i send her XXXX tax reports for my business and personal or she would terminate my contract. I quickly contacted my accountant who informed me that my XXXX tax documents had an extension and wernt needed as my approval was given before these tax documents were needed. She quickly changed her tone after talking to my accountant and requested other documents from my accountant, which he gave to her in a timely manner. My last day for due diligence on the property i was purchasing was XXXX/XXXX/XXXX. For the past 2 days before this period ended i tried contacting her through email and phone multiple times to no prevail. On the last day she contacted me to let me know they had terminated my loan for no exact reason. I dealt with incompetence for months on end, sending and resending the same documents, handling all information as fast as i could while there was absolutely no transparency from the lender. i have retained all email conversations from her as evidence of incompetence. Days going on with no reply, no reply or calls back from either her work number or personal number. This experience has been one of the worst in my life and wasted 6 months of my time.

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 2017-01-10 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was contacted by their company to consolidate my loans, the man on the phone said it was the right thing to do and he cared about my problems. I was already paying another company {$5.00} a month, but was told consolidating with their company was the way to go. The man on the phone said it was easy and would walk me through all the steps on the computer. Of course, it was not easy and took much longer than expected. The man spoke very quickly ... I had little time to think about the decisions I was making, I just would click the buttons and move on. I chose the REPAYE payment plan which showed that I should only pay about XXXX-XXXX dollars per month as I make XXXX per year and care for my invalid mother. Now I have received a bill from their company for {$400.00} per month! One is already overdue! Worse yet, I went to the Dept. Of Ed. website and my student loans have appeared to double!!! As their company AND the previous company are showing me owing them both for the same student loan! I thought I was doing the right thing, I wanted to get my loans in order after years of neglecting them ... but this company has taken my trust and used it to their advantage! I will never be able to make these payments!

Company response to consumer: Closed with explanation