vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
When applying for a continuation of a Home Equity Loan with my bank I was told that there was a lien from 1992 that held the first position of encumbrance. This deed of trust has been released but seems to not been recorded properly and is thus showing up even after years of having refinancing and a previous loan from my bank 10 years ago. I even visited the courthouse and Md Land Records and could not get help on what to do to repair this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
We have our first mortgage with Bank of America and we are trying to refinance our loan with another bank. The address on our FHA loan through Bank of America is wrong and we need an address change on the loan documents. They told us they needed certain documents faxed, so we faxed them multiple times. Weeks went by and they continued to say they had not received them. We had faxed all of our information as did our new lenders. We continued checking up on it and eventually they said they have them but they have now changed their rules and need more documentation and that our prior documentations would not work. We have sent over everything else they have requested proving that our address is what we say it is and not what they have down and are now telling us it could be up to 180 days before they get our address changed. During the whole process they have asked us to refinance with them and are now dragging their feet on helping us get our address changed on the loan documents. It has been a complete and total nightmare.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I currently have a student loan through Navient. I have called to discuss with them the fact that you are unable to make a principal payment on your student loan. They always give you a run around and I feel that they are making your payments work best for them. The records that they provide are very vague as far as how payments are applied and so on. I have tried to check and make sure that my payments are being applied the way that I want them to be, but it is impossible to tell. I feel very deceived and they should be forced to allow an option to choose how you would like your payment to be applied. In addition, their customer representatives are extremely unhelpful and simply get you off the phone as fast as they can. As a student, I am forced into this loan program, this is a government program and the government should ensure that students are not being mislead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NY

Complaint narrative:
My student loan which was with XXXX was originally consolidated to lock in at 3.1 % rate, now that navient took the loan over, they are stating that my loans are in fact not consolidated even though I have a letter from XXXX stating this. They also recommend that I can now consolidated my loans with navient in order to let wee my payments but higher rate than what I had locked in originally. Case manager ca n't seem to explain to me how my loan became unconsolidated during the navient take over. How can my loans became unconsolidated?? I feel it 's unfair that I have to consolidate my loans again at higher interest rate to avail lower loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
COMPLAINT AGAINST BANK OF AMERICA AND XXXX We had difficulty paying our home mortgage and sold the house on short sale 2013. The mortgage was with Bank of America. Bank of America approved the short sale and accepted the proceed for full satisfaction of the XXXX ( first and second ) mortgages on the property. We have all the documents to that effect. 

The second mortgage is entered in my credit report as a debt that I am owing. It is showing in XXXX XXXX and XXXX that the debt was transferred to another lender. In the same report it is stated that the debt is legally paid in full. 
XXXX XXXX entered it as a delinquent mortgage. 

It appears Bank of America sold the mortgage after accepting the proceed from the short sale as full settlement. Bank of America and XXXX XXXX are in collusion in these transactions. 
These XXXX derogatory entries in our credit report are adversely affecting our credit rating seriously. As a result we are having great difficulty getting a mortgage to buy a home. This is causing us serious pain and distress..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Mortgage note has an endorsement undated and the actual possession or date in which Bank of America came into possession can not be established. Assignment of mortgage was robo signed by XXXX XXXX. It is apparent Bank of America attempted to assign interest in itself and used false exhibit in my foreclosure case and recorded against my title which is Fraud.

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 2016-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bought a computer from XXXX. It was suppose to arrive on XXXX XXXX, 2016. However, when i came home that day, a box was in front of my door step and it was empty. Called XXXX immediately and was transferred to a higher customer department, and was then told that i should dispute the charge with my bank as they would n't be able to refund me back through their system and there seems to be a mistake made by the shipping department. I disputed the charge with my bank and told everything that happened. On XXXX XXXX, the dispute was closed in favor of XXXX as they provided the tracking number and a valid statement that said the shipping carrier delivered it to me and was signed by me. However, I do n't recall ever signing it. I called my bank but they were unable to help me make an appeal or anything but just suggested me to speak to XXXX. I spoke a executive from XXXX and was able to get some help, but in regards to my money, the executive told me that it 's highly unlikely that they can do anything other than speak to XXXX and find out more information about this issue..

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 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I went into forclosure in XXXX with bank of america and received a loan modification in XXXX. I paid on it for almost XXXX years on time and correct amount. Bank of america did not apply the funds correctly to my account even though they had the correct loan number address and my phone number and lawyers number. They sent my payment back to me in XXXX XXXX claiming i had not been paying the full amount on the contract when I did follow their contract they wrote.. They put me again in forclosure. I got another lawyer and bank of america forced me under duress of losing my house into another modify with terms unlivable. They also charged me {$28000.00} in interest penalties late charges etc. I found out that they resended the XXXX modify because they claim they were not the investors in the XXXX modify. I have a hard time believing that because I have payed my mortgage to them since XXXX. I need help they are ripping me off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: MO

Complaint narrative:
I have been struggling to make payments so last year I tried filing for repayment plan based on income which was n't successful. I have been making the monthly payments now for a year but they havent made a dent if anything my loans are increasing this has been going on now for 8 years

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: WA

Complaint narrative:
I started the application for a mortgage with Bank of America since XXXX XXXX of this year. I was promised a closing date of XXXX/XXXX/16. The date got delayed to XXXX then now XXXX. They have tactically requested repeated financial information from me to justify the delay and as of this morning ( 2 days before the third closing date ), they want me to call a third party agency to do a credit supplement check on credit cards that I have already supplied statements and written letters for. If the loan does not come through, I loose my earnest money and other costs associated with buying this house. I have filed several complaints with the bank but was ignored. My loan officer said he is sick and never called back. I can not get anyone to respond. This is just a night mare and no one should have this experience. I have all of the email history to prove their incompetence.

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 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: GA

Complaint narrative:
Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopen this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Bank of America must keep its promise to the customer! It not, Bank of America must pay for the damage caused by Bank of America. 
Thank you! 
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 2017-02-11 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: AZ

Complaint narrative:
I reached a settlement amount with my lender for 70 % of the balance on XXXX of my private loans. After mailing a cashier 's check for this amount in the requested time frame, my lender incorrectly applied the check to the wrong account. I spoke with the manager several times regarding this, and the amount was finally applied to the correct account. However, now my account ( which should be paid-in-full due to the settlement ) states I have a balance remaining for the rest of the loan. I have contacted the manager again to discuss this issue and request that my account be updated to reflect the settlement. Prior to receiving my payment I was being contacted daily, though now the manager has not returned my call to discuss and resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 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: GA

Complaint narrative:
Student loan co-signer paid off total loan amount of around {$39000.00} for a {$20000.00} initial loan. During the terms of the loan XXXX XXXX, now Navient did not submit loan statements and continue to accumulate interest. Loan no XXXX ( XXXX ) Navient has refused to submit close out papers on the total balance paid at the end of XXXX 2015 for XXXX XXXX XXXX. as a result they tried to start a new loan of which I have not authorized or approved. Now there is no access to the site to review the paid off balance for the total loan. In addition, Navient is trying to add interest of {$1.00} to extend the loan terms past some due date in order to state that the total terms of {$90000.00} is due. Therefore, not only has the original loan extended past the Federal Government Fair Trade Laws for Statue of Limitations of which I am due my {$39000.00} back, but they are refusing to close out the loan paid. This is consumer fraud, and violation of federal laws, and a form of violation of the XXXX statue for loan sharks. Please assist in closing out the account and repayment of my {$39000.00} for contract violations by Navient and XXXX XXXX. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I 'm a XXXX XXXX adult and Bank of America stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want.

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 2017-02-09 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: NV

Complaint narrative:
I have XXXX in student loans after attending XXXX. Applied for a reduced payment plan because even at XXXX % the XXXX payment was too much. The reduced payment plan was for XXXX a month but I was n't approved, for the next XXXX months Navient took XXXX per month from my savings account without telling me. In fact, they continued to send me default notices even as they were taking my money. It was n't until I needed to dip into my savings account ( that I 'd had for years ) that I realized my funds we being siphoned. I called Navient and they informed me that by applying for the program I had also allowed them to take the money regardless and that since I was denied the program the funds being taken were not enough to match the expected payment of XXXX so I was still falling into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: CA

Complaint narrative:
One of my largest loans is {$30000.00} that I took out in 2009 with a variable interest rate of 13.5 % this is without a consigner. This is the largest out of the {$87000.00} I owe without interest.. Now I must go back to school to try and get a job so I can try and pay off my debt before I die. I am unable to consolidate any of my private student loans because of the insanely high interest rate and my income is all tip based ( hard to guarantee how much I will make in the years to come ). I would love to get a job with the degree that I currently have but can not do so because minimum wage would not be able to support me and the over {$1000.00} monthly payments I will have to make to navient for he next 30 years. I just think it 's really funny how XXXX XXXX was able to sell off my debt to another company called Navient and I ca n't get them to lower my I interest rate to a single digit number like the government did with their loans. Navient or XXXX XXXX or whatever company holds my loans is the modern day loan shark. Right now I know I will never be able to buy a house or even get married. I thought going to college would help with my " American Dream '' but it has completely destroyed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 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: GA

Complaint narrative:
Since XXXX XXXX, I have attempted to get a copy of the master promissory note from the current servicer - Navient - of a set of my student loans ( XXXX subsidized and XXXX unsubsidized Stafford loan through the FFEL program, disbursed in XX/XX/XXXX ). After multiple calls in which I have been told that either ( a ) my information would be sent to me, ( b ) they do not hold the MPN and that I should contact the original guarantor ( which I did and the guarantor indicated that this was incorrect and the servicer should have a copy of my loan ), and ( c ) they do not hold the MPN and that I should contact XXXX as they would have the MN ( which I did, and was told that this was incorrect and that the current servicer should hold the MPN ). I have never experienced a greater lack of professionalism and lack of service, including never being given an update on my requests unless I contacted Navient again, as I have with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: MN

Complaint narrative:
was getting mortgage to buy a home. loan from navient showed up on credit report. 
says i owe XXXX dollars. they said it was for when i went to XXXX collage in 2005. 
i sent paper work to them showing i did not go there. was then taken off my credit reportwith not that is was not my loan.then when we went to close on house it was back on reportso my mortgage was canceled and didnot close on house.sent paper to navent show that it was removed from credit report and ask how this happened. it now says dispute is resolved and customer does not agree on my credit report. this is all messed up and should be gone. this loan was also listed on my bankruptcy and have been told that since it is a private loan it should have been discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: MS

Complaint narrative:
I have been trying to negotiate with XXXX XXXX - now NAVIENT - since 2011 to discharge my loans, based on my status as a XXXX person and, based on their standard requirements for discharge - which I have shown them I meet. I have provided ample medical documentation, including doctor 's statements and still, they refuse to discharge. They have not, as yet, put my loans into default. Despite numerous requests, they will not provide me with reasons for their refusal to discharge. There should be some reasonable recourse for me to get them to follow their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Bank of America XXXX BOA ), where I have several accounts, dropped this service several months ago. My BOA branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX.

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