vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX and XXXX I went through XXXX XXXX hardship due to my spouce lossing her job and while I wait for a decision on XXXX. I have been unable to work full time since 2012. I was XXXX payment behind of my Bank of America credit Card. I recived a letter stateing they wanted to help me catch up so I called ( this was at the end of XXXX ) I signed up for a program allowing me to pay XXXX dollers a month which would have been very reachable for me while I wait for a answer. I was told they would not review my information for the program untill I made a payment so they set a payment to be taken out on XXXX XXXX. I noticed that the XXXX had passed and it had not been taken out and I had recived a few calls. I called them on XXXX XXXX and it seemed none knew anything about me signing up for the program. After looking into it they said the payment was denided ( had plenty of money ). I repaid that same day XXXX XXXX. 10 minutes later I got a call from BoA and had to go through the whole thing again. Weeks went by and I started to recive phone calls so I called back again. Once again they were not aware of me enrolling and I had to tell them everything again. The agent said it was still pending becouse they needed additional information and that they only call 2 times and leave no message. I was then told that the interest and late fees would continue to collect. around a week later ( not sure of the time line ) I recived a call from the agent that called me 10 minutes after I paid on XXXX XXXX and he had taken this to his manager and was clearly frustrated as well and told me that that agent could have helped me complete this. 30 days or so had gone by and it was XXXX and I was informed I am XXXX payments behind ( was only XXXX ) and my min due was XXXX and it was roughly XXXX or so at the time I signed up for the program. I tried to call recently to find out how much I owed and the agent couldnt give me a solid answer so I am unsure why they are saying I am XXXX payments behind and how much I owed when I made the payment on XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient has been holding up my IBR request on spurious grounds. I processed an IBR request through XXXX. They first denied my application claiming that they were missing a page. How that can happen when they receive it electronically through XXXX is beyond my comprehension. 
So I resent it. Now, almost three months later, they have sent me a denial letter. 
It says, " we 're unable to process your Income-Driven Repayment request at this time because your signature was not included. '' Strange, because the copy that I 'm looking at, which I faxed them on XXXX XXXX at XXXX shows my typewritten signature with the date. 
They are now claiming on my telephone call with them that it needs to be a " wet signature. '' No where on the form does it define signature. No where does it indicate that a typewritten signature is invalid or otherwise makes the contract modification unenforceable. No where do they define " signature. '' ( Thought as a trained lawyer my understanding is that a signature is defined generally as a present intention to authenticate. ) All of my other lenders have accepted my IBR without a problem. Navient is the ONLY lender to pull this most recent excuse out in order to delay and deny my application and force me to reapply. 
[ I have just gotten off the phone with Navient, and they told me a wet signature is needed, but they they would, ( after I told them that I was filling out a CFPB complaint as we spoke ) accept my electronic signature in lieu of a wet signature. ] I am still concerned that they will ultimately fail to deliver on their obligation to process this IBR request, so I 'm submitting this same complaint to notify CFPB of their inaction and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am attempting to resolve the balance of {$3600.00} reflected in a " charge-off '' status on my credit report for the account # XXXX, previously mortgage loan # XXXX held by Bank of America. 
I believed the balance of all amounts due to Bank of America for both Loan # XXXX and Loan # XXXX were satisfied by the foreclosure and subsequent sale of the property on XX/XX/XXXX. I have contacted Bank of America XX/XX/XXXX and XX/XX/XXXX in an attempt to understand how this balance was generated and why it is being reflected as a charge-off on my credit report. Bank of America representatives have been unable to verify how or why this balance is due. I have also been in contact with XXXX. A dispute has been communicated to Bank of America at least twice. 
I am requesting that Bank of America, provide documentation which I can reconcile with my own accounting records and reflects that the amount of {$3600.00} is rightfully due.

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 2016-05-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Back in XXXX we requested help with a modification on our mortgage with Bank of America which is at XXXX %, they said they could n't help as we were " NOT '' behind on payments. We then missed a payment as my company was sold and I was out of work for a short amount of time. After months of us sending in all the requested paperwork and them " misplacing '' or " not '' receiving what they said they needed they finally gave us an offer for a modification, at a payment " HIGHER '' than what we were paying at that point. We declined immediately in XXXX, XXXX and have been in a fight with them since then as they have forced us into an escrow account which we never had before on the mortgage. They went and paid our 3rd qtr taxes and home insurance in XXXX of XXXX and kept posting our payments as " unassigned '' because we were n't paying the escrow amount since we also had paid the insurance and taxes ( neither which have ever been late in the entire time we have had the mortgage ). Finally in XXXX they said they would remove the escrow account if we paid them back what they had paid towards the taxes and home insurance which we did, but they know are claiming that they will not remove the escrow account until we have 12 months of ontime payments which INCLUDE and escrow amount of $ XXXX per month!! They have lied, mistated and fraudulently handled our account for the last year and a half. Also everytime we call they say the call is being recorded, when we asked for copies of such they say we can not have them. When my wife said she was going to record the call with them they immediately said the call was going to be terminated as they do not allow themselves to be recorded.

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 2015-06-16 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had a credit card with Bank of America. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have reached out to BOA, because the information they are reporting on my credit file is not correct. I reached out to BOA on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but BOA has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get bank of america 's derogatory information off of my credit file. BOA is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On Tuesday, XXXX XXXX I used Bank of America 's mobile app to make XXXX payment to my Bank of America credit card from my checking account of the same bank. Today, XXXX XXXX, I checked my account and was surprised to see that not only had my payment cleared completely, but XXXX duplicate payments of the same amount were then pending. I called my bank 's card services and they advised me that I would have to wait until the transactions had cleared before calling them back to fix it. So, in essence, they 're saying that they can drain my bank account without my knowledge and then only if I catch it and the damage is already done can they do anything to fix it. This sounds very dangerous for consumers, and I can only hope that they actually fix it once the unauthorized transactions have done their damage.

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 2015-03-26 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: FL

Complaint narrative:
I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Bank of America.

Company public response: Company 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 get flexible payment options
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have been a customer of Navient ( originally XXXX XXXX ) for a number of years. They have continued to push for forbearance ( even with the interest still accruing ) when I told them I could not afford current payments. This has happened several times over the years.They also do not allow me to enter an income based repayment plan because they said it is a " private loan ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: NY

Complaint narrative:
Navient is calling my present and former place of work in regards to m debt. When i asked the representative what was discussed with my former and present employer she would n't go in to details about it just that they are verifying information. However, that is not the case. She threatened to hang up on me. Navient is calling obsessively 5 or more times a day. It 's harassment!! 



Navient representative below ( called occurred XX/XX/XXXX, at or around XXXX ) XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I 'm writing because I am not able to make payment on my loans. When I stared out my loans were with XXXX now they are with Navient. They keep collecting interest, even though I was on a forbearance. I would like to have them delegated off of my credit report because it 's hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: NC

Complaint narrative:
XXXX : XXXX University, XXXX, NC. 
XXXX XXXX gave me a predictably uncollectible loans at the age of XXXX. I had no credit history to speak of, no collateral, and XXXX of debt was taken out in my name - without my consent over the years XX/XX/XXXX-XX/XX/XXXX. I no longer can pay. XXXX calls me multiple times a day and they just called the crisis line at my work which i happened to be on to receive their call. This constitutes calling a third party line as it was just by chance I was working the crisis line. My coworkers often are staffed on this line and if they continue to call they will be contacting my coworkers about me. They also did not obtain this crisis line number from me. It is also highly inappropriate to call a crisis line used for mental health emergencies to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America charged me {$640.00} for cutting my grass. Bank of America has never cut my grass. I called Bank of America and was told that the {$640.00} that I was charged would be refunded to me, this was 3 months ago and I still have not received a check from Bank of America. Here are the dates that I was charged for cutting the grass which NEVER happened from internal Bank of America 's documents:XX/XX/XXXX XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$80.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: TN

Complaint narrative:
EXCESSIVE and ABUSIVE FEES : We are customers of Bank of America and made a XXXX purchase yesterday at XXXX. We did n't have much of a balance in the account in the first place as it 's not our primary checking account. That said, we forgot to enter the transaction in our register last night, which caused our account to go into the negative XXXX. We would have gladly taken care of the issue this morning after checking our online accounts and when we did, realized that Bank of America charged us a {$35.00} NSF for a XXXX negative. I called and they refused to reverse the fee. Once I advised that I would be filing this complaint, I was escalated to a supervisor. I waiting an additional 20 minutes on-hold and was finally told they would not reverse the fee. I should also point out that Bank of America has excessive hold times when calling in, as they have failed to hire sufficient staff, to serve it 's customers.

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 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
They are calling my employer and my work extension repeatedly every day rather than calling my mobile number. They are telling the receptionist personal information. I am trying to work with them, but this is harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 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: MA

Complaint narrative:
I had XXXX federal loans with Navient Solutions, all which have different principal balances and interest rates as they were for the 4 years I was in college. As of XXXX XXXX, 2016, I refinanced my largest loan with Navient ( Loan XXXX for reference ). Per the statement on the website the balance to fulfill the loan obligation was $ XXXX. My new loan service, XXXX, paid $ XXXX to Navient, specifying the payment was only for loan XXXX. Following the funding of the loan, my statement showed a balance of - $ XXXX for loan XXXX. I called Navient and asked why there was a negative balance. I was told this was because the balance owed was really $ XXXX. I asked what the process was to get the $ XXXX back to XXXX as the re-financed loan with XXXX was at a higher interest rate. I was told by the Navient representative that they would write a check or wire the money to XXXX. Performing due diligence, I called XXXX to confirm their process. The process was confirmed by XXXX, and I was told that once the check or wire was received the $ XXXX would be deducted from my principle balance of the loan and I would be refunded the additional interest accrued at the higher principle balance. After 45 days ( I was told it would take XXXXXXXX days to process ) I called Navient. I was told by a representative that the $ XXXX was not sent to XXXX, as I had confirmed and requested in XXXX but rather applied the credit to the remaining XXXX loans serviced with Navient ( with different interest rates and balances ). Navient did this not only without my permission but also without any notification. I informed Navient I was very upset as the loan I wanted to apply the money to was a higher interest rate. I was not able to receive an explanation as to why Navient did this against my specific instructions. I pay every month on time, I have a perfect payment history ( all loans were in perfect standing at the time of being told a refund would be issued ). I performed everything to ensure this would not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
The phone number calls me at least XXXX times a day everyday, then starts to call me from a different phone number right after the XXXX call. They never leave message. XXXX call is always around XXXX and I get calls all through out the day with NEVER any message. When I look up the number it says it is a collection agency CBE Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The Law Office of XXXX XXXX, XXXX, applied for a Loan Modification for our client XXXX XXXX with Chase Bank. The Bank DENIED our request based on our client monthly income not considering that XXXX XXXX receives over {$5000.00} in rental income, which it was submitted to Chase but they refused to consider this rental income to approve him for a Loan Modification. We provided sufficient documentation to support XXXX XXXX financial stability to afford his mortgage payment and trustee payment. The amount estimated in the Debt to income ratio is not accurate provided by Chase. We request your assistance in disputing their denial and for further review of the Loan Modification.

Company response to consumer: Closed with explanation