vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX 2016 Bank of America accepted a letter from me asking for verification of this with documentation with my signature. In response I got a letter asking for documentation from me instead of my request. That is the only response I received from Bank of America. Bank of America did not send me the required verification, nor did they mark my credit as disputed at any of the XXXX reporting agencies in the 30 days as required by the Fair Credit Reporting Act. I have since sent another letter again asking for verification with no response at all. Bank of America has violated my consumer rights and FCRA 623 ( a ) ( 3 )

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 2016-12-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH BANK OF AMERICA WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF BANK OF AMERICA, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP

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 2017-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX University until XXXX 2016. I contacted my professor and cc 'd my counselor that I was having a hard time completing my coursework due to unforeseen circumstances at home and work. I called and requested to drop my classes ( which they have no record of ). So, in XXXX or XXXX I contacted my counselor about continuing my education and was advised that I had a balance of {$3200.00} to clear before I was able to continue. 

Almost, {$2800.00} for classes dropped ( i 'm being charged for the full classes ) although I called to drop a few days prior to drop date and ( {$500.00} or so ) for classes that I never authorized them to put me in for the following semester ( I never even logged in to them ) and I talk to the counselor prior to XXXX 2016 term and advised her I did not want continue until XXXX due to starting a new job. My counselor recommend that I request a Corporate adjustment, so I contacted the department and sent emails back and forth for over 2 months at which time I was advised I was already approved for partial credit due to the documentation sent from my therapist. Then I find out a collection agency has added the {$3200.00} to my credit file as of XXXX, when no decision has been made as of yet on my entire balance, I also found out the collection activity started 2 months prior. 

Once I found out about the collection being placed on my credit I emailed the person I had been in communication with for corporate adjustment and was advised my request was denied and to follow up with the collection agency directly. Then I asked why it was denied and was advised it was due to insufficient documentation and that I would need to contact Student Affairs if I needed anything else. I call Student Affairs and leave a message, then I receive an email stating they do not handle this I would need to file a grievance. After almost 90 days of providing personal documentation about my work, school, XXXX health and my dad 's illness they deny my request. 

I am currently in the process of getting a pre-approval for a home and this debt being placed on my credit is jeopardising me receiving my pre-approval and has dropped my credit score. Also, I am unable to continue my education at another institution and not able to access my transcripts to transfer schools due to the hold placed on my file for this debt. This amount is not owed by me. 

I would appreciate someone looking into this matter and reading all of the attached communication and documentation sent to the school.

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 2017-01-24 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: WA

Complaint narrative:
I got a diploma not a degree from XXXX college. Been fighting them ever since 2010. I was charged XXXX dollars for a diploma and ca n't even get a job with it EVER!! No one would except the diploma or credits, they never even helped get the job interviews or internships they promised. Im on medical leave due to a health issue now with no money coming in. So I can not pay anything now. Live at home with parents just to stay alive. I dont think I should be paying that much for a diploma. XXXX college only wanted XXXX for theres over 2 years, not 2 years at XXXX. The teachers were n't even good they gave you the answers and open book tests so you could just pass through without fully understanding it. I dont even recall now anything I tried to learn so it was useless to go. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I get repeat calls from Municipal Services Bureau about an " important matter '' on my business telephone line. This line has never been associated with any personal debts ( mine or anyone else 's ). And internet search lists them as a debt collection agency. I have received XXXX calls this week alone. None of the voice messages mention the reason, my name, any name, or anything aside from a call back number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: NC

Complaint narrative:
My XXXX loans are with navient. For the last 10 years they have never told me anything about school loans and how to pay them back. when they called they would say you owe us XXXX today. How do you want to pay that. can you pay that and I did not have that kind of money and I was very afraid. they would say each time well lets do forbearance and your payments will be caught up until next year. It sounded like a good plan but I was so afraid, and had no idea I would be over XXXX in debt. I paid off my first college loan in full. I received a notice from them that XXXX of my loans had been turned over to collections where they are garnishing my check for XXXX a month. I did not even know about this loan as it was over 10 years old and I called and explained to them it was not mine. I knew nothing of any programs that was offered me to repay my loans or any income based loans. Now they are threatening to take my social security. there have been times where I felt death is my only way out and could not imagine how the government had put me in this situation. they called me and threatened me, laughed at me, hang up on me several times. I am afraid and I have not been explained any way to repay my loan from Navient. They are taking my tax refund, my social security and my part time job and I never knew any way or any other options I had to repay my school loan. The loan that was over 10 years old was sent to XXXX XXXX and I never even knew about the loan or was it explained to me anything options I had. I was never offered any income based program, repayment options or anything they only offered me forbearance or postpone my payments. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I spent several months working with Bank of American trying to get a deed-in-lieu approved for a property in a different state that I can no longer afford to keep. I spent considerable time with them on the phone and sending them documentation. It took me too long and too much time sending the documents to them over and over and right when I received the notification that my deed-in-lieu was approved and I had signed legal paperwork to get the closing done, Bank of America sold my loan to another company. This other company, XXXX XXXX XXXX, has sent me many, many pieces of mail requesting payment for the past due amount, then explaining loan modifications to me, and finally notifying me they are considering my loan for a deed-in-lieu and wanting me to send in more paperwork to them. The previous months with Bank of American never happened and the entire process starts over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: CA

Complaint narrative:
I have had a XXXX XXXX with Navient for some time. Last year, I was laid off my work and called Navient for some kind of assistance. As a consumer, I was trying to get clarity on how to manage my loan the best way that will work for my situation. I was quickly advised to go on forbearance/Deferment. I was under the impression that it will only lower my payment till my employment situation is taking care of. 6 months later, I have accumulated more than {$3000.00} dollars in my account. If that was explained to me, I would have went a different direction on my decision. It seems like the loan will never go away. Interest rates are more than a mortgage loan. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Incorrect reporting of my status to the following credit bureau, XXXX, XXXX and XXXX. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

Bank of America XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Bank of America needs to correct my account status as Mortgage included in Bankruptcy.

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 2017-02-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
We were in trail modification payments with Bank of America XXXX ( XXXX ) times and they never gave us a final modification. We paid over {$30000.00} in trial payments to Bank of America. 
and then they transferred our 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 2015-07-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My wife and I obtained a Home Loan from Bank of America XX/XX/XXXX in XXXX, XXXX We refinance our loan with the SAME bank, Bank of America XXXX to a lower interest rate. We PAID ALL THE FEES Bank of America requested for the refinancing transaction. XXXX HAVE BEEN LATE with our monthly responsibility payments for our mortgage to Bank of America since we obtained our Home Loan in XX/XX/XXXX as well as when we refinance it with them. After 6 years of punctual monthly payments to Bank of America, our monthly payment amount was decreased about three hundred fifty dollars ( {$350.00} ) .This was due to the calculations Bank of America did based on the amount we paid them in 6 years since we obtained our Home loan. Last month, in XX/XX/XXXX, we received a letter from XXXX. This letter dated XX/XX/XXXX, indicates that our mortgage have been transferred to this institution, XXXX and ALL OF A SUDDEN WE ARE SHORT IN OUR ESCROW BALANCE, THEREFORE, THEY ( XXXX ) ARE INCREASING OUR MONTHLY PAYMENTS TO XXXX XXXX XXXX DOLLARS ( {$150.00} ) MORE. My wife and I had never received any prior notification, much lest any CONSULTATION from Bank of America regarding the selling of our Home Loan to a different Institution. We choose Bank of America as our Mortgage Bank BECAUSE OF THE TERMS AND CONDITIONS THEY OFFER US when we apply for our Loan. We had never hear about XXXX before and WITHOUT NO CONSENT from my wife or myself, Bank of America transfers our Mortgage to this other Institution. Evidently, Bank of America is profiting from this FRAUDULENT LOOKING KIND OF TRANSACTIONS. Under any circumstances our Government should allow these Institutions like Bank of America to abuse and take advantage of customers like my wife and I who work hard to fulfill our financial responsibilities. It seems that Bank of America is practicing AGAIN the same kind of deleterious banking practices that many Institutions like them irresponsibly incurred in the near past and brought our country into the most serious financial collapse in recent years. We trust our Government as the REGULATOR AND PROTECTOR of the people against the pattern of arrogance and abuse this Financial Institutions like Bank of America and many other irresponsible ones have. Please advice me and make us feel thatwe can still have TRUST in our system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is reporting an inaccurate account on my credit report. They are stating on my credit report that an account was included in bankruptcy on XXXX XXXX, 2012 when my bankruptcy was filed on XXXX XXXX, 2012. I sent them a dispute letter to verify all this information and it was ignored. I disputed with the credit bureaus to get this account updated as well and they continue to report the inaccurate information.

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 2017-01-30 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient which is a branch of XXXX took over this debt XX/XX/2006 and because Navient was not able to collect on the debt has now contacted XXXX XXXX XXXX XXXX to collect the debt that is too old to be on my credit file and was due to be taken off last year. XXXX XXXX XXXX XXXX is now contacting me to collect on the debt because Navient has contacting them to get another collection agency on my report and to attempt to keep the debt alive. These unfair tactics and practices are in violation of law and want them both removed from my credit report and want the harassing mail to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 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: CA

Complaint narrative:
On XXXX XXXX, 2016, I paid a bill to ( what I thought ) fedloan.org from my XXXX XXXX XXXX. Turns out the payment went to Navient Servicing with account number XXXX. XXXX ( subcontractor to XXXX ) made calls to Navient whereas they assured XXXX that the payment would have been transferred approximately 4 business days ago. On this day, the payment is still in limbo with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: MT

Complaint narrative:
I had a consolidation loan in 1997 with XXXX of {$84.00}, XXXX the loan changed to the current navient. In short I have paid a totall amount of {$150000.00}. Of the amount paid {$130000.00} has gone to interest, {$4900.00} has gone to fees and only {$11000.00} has gone to the principle of the loan. My current balance is {$94000.00} which is {$10000.00} more than the original amount. I do n't understand this loan and have always felt I 'm getting ripped off!!! I have an automatic withdrawal every month of {$970.00} and interest rate at 8.750 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In order to pay for XXXX XXXX, I took out loans with XXXX XXXX ( as well as State/Federal ). I, like many others I 've heard from, have had difficulties communicating with XXXX XXXX representatives and getting good information. 

I have requested information from XXXX XXXX regarding how my minimum payment is calculated and about the history of my loan balances and how they have changed over time pursuant to the amounts I 've paid - e.g. how much was applied to interest vs. principal. 

I have been told this information is too difficult to gather ... and that the XXXX format of the information is difficult to translate into an email or letter. I had a sneaking suspicion that the minimum amounts to pay each month and they way they were being allocated were sub-optimal for me. 

Similarly, I requested an amortization schedule from them so I could get an idea of how my loan balances should reduce over time. I was told this was impossible because of my variable interest rates ... however, all of my loans through XXXX XXXX have fixed interest rates. A follow-up communication by me on the matter was not replied to. When I plug in my XXXX XXXX loan information ( principal balances, interest rates ) into Amortization calculators on the internet ( designed for mortgages ), I get different minimum payment figures than what XXXX XXXX provides, which furthers my distrust. 

I have included a PDF from XXXX XXXX that shows their answer to my aforementioned question, which includes the element about my loans and their variable interest rates. Again, my loans have fixed interest rates. 

Are these unreasonable requests? And how should I best approach the matters? XXXX of the reasons I decided to refinance recently was not just to save money, but also to not have to deal with XXXX XXXX anymore. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my XXXX lender was XXXX XXXX, my XXXX lender was COUNTRY WIDE MORTAGE, & my XXXX lender was BANK OF AMERICA .How did B.O.A. end up with my mortgage legally & eventually foreclosed on my home.I lost my home in the end..

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 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I previously have had an account with Bank of America and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.

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 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid.

Company response to consumer: Closed with explanation