vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am the mortgage owner. My mortgage modification is unaffordable, because I am on a fixed income, due to medical issues ( XXXX ). My wife is assisting me, but she has her own bills and she is not on the mortgage. My income is {$XXXX} per month, and I am not asking for a free mortgage, but a $ XXXX {$800.00} mortgage would be more reasonable then {$1200.00} that is currently being asked for. 
The property value has diminished, due to the current net present value and community down grade. My neighbor next door value is approximately {$99000.00}. We have been very patient with the Bank, by coming in a few years ago to speak with a representative, but to no prevail. We love our home and want to stay here. We are only asking that request be taken seriously, as being given a true modification for the benefit of the customer. 
I look forward to hearing from you to address the above concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help please.

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 2015-12-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When The President came out with the HARP program I called my bank to find out about to much time has elapsed and we need to start all over again. I also want to add that we the program. The bank told me that the program was not out yet. I asked them again XXXX years later to be told that I did n't qualify for the program. I was not asked for any financial information or to fill any paper work when I was told that. Right after that I was told that my XXXX and XXXX mortgage was in collections. We have never been late or missed a payment. After I complained about the mortgage going into collection they allowed me to file for a modification. I sent several pieces of information to them and after not hearing anything I called them. They told me my modification was closed because they never received the information they requested. I then advised them that I went to my local Bank of America and had them fax over the papers. I gave them the time and date it was sent then They said I was missing some of the paper work requested. No one ever called to advise us anything was missing or that they needed any additional information. This happen several times. They wait so long to get back to us with anything. When I hear from them again that are senior citizen with a lot of medical expenses they we did not have before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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: MA

Complaint narrative:
My Navient account is locked due to failed attempts at logging in. Even though I use plenty of personal information to retrieve username and changing password. It says, I should call them to have them unlock it. 
I 've called multiple times in the past year only to be on hold for more than 45 minutes then I hang up. I 've gotten though once, only to be told, " I do n't know how to help you '' and then asked to be transferred to someone that does. During the " transferring '' of the call, I 'm hung up on. I 've stopped bothering to get into my account because it 's on auto pay and they do n't bother me. 
However, it 's ridiculous for this to be happening. Managing your account should n't be this hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX or so, Countrywide was our mortgage provider. We started to experience financial trouble due to XXXX medical issues. We had trouble paying the mortgage ; eventually, in XXXX or so, we got a re-modification from Countrywide, lowering our monthly payment to under {$1700.00}. We still had other overwhelming bills, and in XXXX, we filed for Chapter XXXX. Shortly thereafter, our mortgage was transferred to Bank of America [ BoA ]. BoA then raised our mortgage, despite a signed re-mod with Countrywide ; the monthly payments fluctuated fro {$2300.00} to over {$2600.00} with no explanation. BoA did receive monthly payments from the Chapter XXXX Trustee. From XXXX to XXXX, we constantly reached out to BoA for assistance, but they ignored us. They tried to get the bankruptcy thrown out, but they withdrew their petition when our lawyer contacted their lawyers in XXXX as to BoA documenting their charges. Then in late XXXX, when we finished making monthly payments to the CXXXX Trustee, BoA sent us a bill stating we owed $ XXXX. We contacted our CXXXX lawyer, who contacted both BoA and their local lawyers. Within a few months, BoA claimed we owed $ XXXX. BoA refused to respond to our lawyer 's queries ; in addition, our lawyer told us that the local lawyers retained by BoA told him that they could n't get an answer from BoA in regard to fully documenting what we supposedly owed them. Within a couple more months, BoA then stated we owed $ XXXX. They then sold the mortgage to XXXX XXXX XXXX XXXX ; not only did they sell off the mortgage but they also sold off the " penalties. '' We got a bill from XXXX in summer XXXX demanding immediate payment of $ XXXX. 
We did work out a new payment plan with XXXX. Currently, we 're paying {$3200.00}, after paying {$3300.00} for five months. We are still responsible for the fees and penalties which BoA charged us. We argue that those fees and penalties are usury. 
We also believe that because we were in bankruptcy, BoA was never going to recoup the losses they assumed from Countrywide. As such, BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that, they charged unjustifiable fees and penalties, as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges, they sold off the mortgage and the " penalties '' to XXXX. Therefore, we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead, XXXX services the loan, and they purchased what they could argue is a legitimate debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: OR

Complaint narrative:
I have had multiple issues with XXXX. Now known as Navient. 
I have been unemployed since XX/XX/2017. My payment on my private loan is due XX/XX/2017. I contacted them and spoke with XXXX agent # XXXX to notify and inquire if I could miss 1 month without derogatory marks on my credit. I have not missed XXXX payment in 5 years and have paid off XXXX of my loans. She proceeded ask inappropriate questions such as as my living arrangements. Why my adult children were in the home. 
What did they pay to be here IE : utilities & rent. She brought up my credit report and proceeded to scold me for my debt. I did point out that I was being proactive in calling Navient about my employment status to inquire about any possible arrangements. And, if she looked at my payment history, my credit report was at 100 % payments on time. I did not call for financial advice. Nor was my debt ( other than Navient ) and my adult children 's living arrangements any of her business. She seemed to enjoy rubbing salt into the wound of a customer who was trying to do the responsible thing and who DOES take her debt and credit report seriously. If I had wanted financial advice, I would contact an expert. 
Not XXXX # XXXX who works a call center. They can change their name but it is the old XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: CA

Complaint narrative:
I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm.

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
Consumer complaint received 2015-08-18 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: MD

Complaint narrative:
I had a dispute with bank of america in 2012 for charges that were not valid. i later closed the account. when i checked with XXXX XXXX ( TRYING TO OPEN A CREDIT UNION ACCOUNT ) i was told that i owe XXXX to bank of america. i called and spoke with their recovery department to resolve the balance. i was told that XXXX of the XXXX is a result of over draft fees and only XXXX is the true owed balance. This was the disputed charges from 2012. i have moved and i have not received anything from bank of america for these charges. i will pay what i owe but i was unemployed for an extended time i cant pay XXXX in fees that should not have been added in the first place

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: TX

Complaint narrative:
I have been a XXXX at an XXXX in a eligible content area and I have repeatedly submitted application to Sallie Mae/XXXX only to be told I 'm not eligible. This has been going on for almost XXXX years and I just get the runaround. First I 'm told that the financing period has expired, or the eligibility period has. When my loan was disbursed and I applied I qualified. After 4 continuous years of getting the runaround the disbursement period did lapse, but that was because they Sallie Mae gave me the runaround. Sometimes it took as long as 3 months at a time to get any kind of response and of course, I was told on XXXX occasions that Sallie Mae lost my documentation AFTER confirming that they had all the necessary documents.

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

Complaint narrative:
I am a coborrower for my son who got XXXX loans from XXXX XXXX more then 10 years ago. The loans were originally a pretty small amount but with forebearance and deferments that are very high now. We were never told that interest would go up nor were we told that interest would continue to accumulate during these times. We tried numerous times to get the loans consolidated and were told that is n't possible. I also asked to have my name removed from the loans and was told that was n't possible either. A few months ago I filed paperwork to get my name off the loans because I am now XXXX Veteran and I 'm now on XXXX I was told it would n't be possible but I have yet to receive any paperwork in the mail stating such. I 've have tried on many occasions to work with the loan company to get payments that my son could afford but we were told that is not a possibility they would only accept the over {$400.00} plus dollars a month and nothing else. We paid them money on a few occasions to place the loan in forebearance. I 'm very frustrated as this has affected my credit over the years and I do n't blame my son as he was unable to repay the money but wanted to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: WI

Complaint narrative:
While attempting to finance my education at XXXX Schools I was told I would need a co-signer. I asked a friend to co-sign my private education loan. My friend agreed, when finalizing the financing I was informed the student loan would need to be in my co-signer 's name and not mine. I was assured that as soon as I finished the schooling, I would be able to transfer the student loan into my name. After completing the program, the financial institution refused to transfer to my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
My son XXXX XXXX has an outstanding student loan with Navient/XXXX XXXX. On todays date, my wife and I received a total of XXXX telephone calls from XXXX the calls began at XXXX XXXX. and continued on until XXXX XXXX The majority of the calls from this number were answered by our voice mail answering machine and caller did not leave any messages. I answered a call at XXXX XXXX. and caller identified herself as being from Navient. She wanted to speak with my wife, who was not home at that time. I asked her the reason for the call and she refused to tell me. At XXXX XXXX, my wife called Navient and they informed her that my son 's student loan was 6 days late in payment of {$96.00}. My wife advised that she would tell our son to contact Navient when he woke up. At XXXX XXXX., Navient again called and again at XXXX XXXX I spoke with the rep. and requested that they stop calling us and we would inform XXXX to contact them. We received another call at XXXX XXXX and again at XXXX XXXX. at which time, I advised the rep that I would contact an attorney if they did not cease the phone calls We co-signed for our son 's loan and he has been consistent with his payments in the past. We feel that these actions by Navient are nothing but pure harassment and they need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Refuse to work with me on payments. School had closed and they still had me repay. Original lenders sold to them. And their interest rates are way higher and keep going up.

Company response to consumer: Closed with explanation