vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. 

FYI. None of the above options accurately identify my problem. You should have a " None of the above '' option.

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 2016-12-19 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There were 3 unauthorized withdrawals made to my Bank of America saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.

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 2015-08-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My loan servicer is Navient XXXX formerly XXXX XXXX XXXX. When XXXX XXXX changed to Navient, Navient began frequent, repeated and extremely excessive phone calls to phone numbers that I did not provide to them for communication purposes in order to collect payments from me. The calls began after I communicated with them that I recently graduated and was unable to make the monthly payment at the current time. They call every day, XXXX days a week, all times of the day. They began calling from one number, then they started using another number, I suppose to surprise me. I also receive a letter from Navient every day in the mail. In addition, Navient contacts one of my friends looking for me ; I do n't know how they got this friends ' contact information but this friend is getting repeated calls and voicemails from Navient looking for me. This manner of collection is extreme, outrageous, excessive and it is interfering with me being able to live life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: NJ

Complaint narrative:
I had line of credit with bank of America. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Bank of America is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX ON OR ABOUT XXXX OF 2012 A CHECK LOOKED TO BE DEPOSITED INTO MY BANK ACCOUNT AT BANK OF AMERICA.SINCE THE TRANSACTION MY ACCOUNT WAS CLOSED AND REPORTED TO CHECKSYSTEM ON XXXX XXXX FOR SUSPECTED FRAUD ACTIVITY. I HAVE MADE MULTIPLE CONTACTS WITH BANK OF AMERICA IN TRYING TO FIX THE SITUATION. I HAVE ATTEMPTED TO ASK FOR PROOF THAT IT WAS ME DEPOSITING THE CHECK LIKE A VIDEO OR PICTURE SINCE THE CLAIM WAS A DEPOSIT OF A CHECK TO THE BANK. I HAVE ALSO ASKED TO VERIFY AND PROOF THAT THE SIGNATURE ON THE CHECK THEY CLAIM I HAVE DEPOSITED IS IN FACT MINE. I WAS DENIED TO BE SHOWN ANY VIDEO OR PICTURE TO SUSTAIN THEIR CLAIM, ALL I HAVE BEEN GIVEN IS A PICTURE OF THE FRAUDULENT CHECK WITH A SIGNATURE THAT IS CLEARLY NOT MINE. I DID NOT TAKE PART OF NO FRAUDULENT ACTIVITY WITH BANK OF AMERICA.I HAVE DISPUTED THE ACCUSATION ON CHECK-SYSTEMS AND RECEIVED THE SAME PROOF JUST AN IMAGE OF THE CHECK AND YET NO VALIDATION OF MY SIGNATURE NORE IMAGE OR VIDEO TO BE ME.THIS HAS MADE IT DIFFICULT FOR ME IN SUSTAINING A BANK ACCOUNT TO BE ABLE TO FINANCIAL ORGANIZE MYSELF AND MY FAMILY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 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: VA

Complaint narrative:
I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. 
But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Credit Bureaus XXXX and XXXX are reporting wrongfully. This is detramental to my credit. The Account Status they both are reporting as activity date of XX/XX/XXXX is incorrect. The Activity date was XX/XX/XXXX when the foreclosure took place on my home in XXXX Calif. No activity happened after that. The correct Activity Date should reflect XX/XX/XXXX. 
I have Disputed this with them several times per phone and XXXX, to no avail. XXXX XXXX XXXX is reporting to them the wrong activity date.

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 2015-09-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Bank Of AmericaI need your assistance with release of lienThe document number is XXXX for XXXXMy modification was completed XX/XX/XXXXMy discharge for the XXXX mortgage was XX/XX/XXXXThe document number is XXXXThe amount XXXXBy providing lien release I can avoid bankruptcy court to complete avoid lien request requested - however I need to adjust value and will be granted according to bankruptcy judge notesI appreciate your time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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:
XXXX 2016 : I logged on to Navient to make a payment and found my account put into forbearance without my permission or notification. When I called customer service to sort out this issue I was told by a representative that they had received notification from a 3rd party that my father, the loans cosigner, had died. Needless to say this caused me distress and to spend the next few hours calling my family and tracking down my father to confirm that this was not true. When I called Navient back, I informed them that the information they received was false. I then inquired about the 3rd party that sent notice and I was told that that information was not available. I then asked them to correct the issue and put my account back to its previous state so that I could get caught up on payments. After 40 minutes waiting I was told that it would take 72 hours. I informed the agent that I would not make a payment until my account was corrected. It is now over 3 weeks later and the account is still in forbearance and showing inaccurate information and I refuse to deal with their incompetent customer service again. The account is probably accruing interest and I 'm sure late fees as well, but I ca n't get that information from their website. I am suspicious as well about this " 3rd party '' that told them my father passed. Since they will not tell me anything about them I have to assume that they, Navient, are behind this because they are the only ones gaining from my account being in forbearance ( accruing interest ). So I have turned to the only place that might be able to help me out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: MO

Complaint narrative:
I have been paying on my loan since 1999. When I started collecting social security ( I am low income ) my loan became income based but my loan payments have double or tripled. The amount for XX/XX/XXXX is XXXX. and when I looked up my account number it had gone up to XXXX. which is an amount I can not handle. I paid on my loan for years but I seem futher behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 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: WI

Complaint narrative:
I have an issue with Navient, my loan servicer, because they have not fulfilled my request for an Income-Based Repayment loan repayment schedule. 

I have requested income-based repayment options from Navient on multiple occasions. Most recently on XX/XX/2016. They tell me I need to submit proof of income repayments. I used their website to upload them, based on advice from their support staff on the phone, and then Navient sends me a letter stating they can not process my application because they did not receive it. This is a problem for me, because it pushes back the date that my loan may be reduced, which I desperately need since my wife 's income changed significantly. 

I need support to ensure that Navient will process my IBR application and they seem unwilling or unable to help. I would also accept my loans being transferred to another provider given that Navient has well-documented problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 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: NY

Complaint narrative:
I am enrolled in Navient 's Rate Reduction Program. Every single month for over two years my payment has been allocated incorrectly between my XXXX loans. After the money is withdrawn by Navient from my checking account and incorrectly allocated, I begin getting phone calls and emails saying that I have missed a payment and must take action immediately. Every month I have to take time out of my work day to leave my office and call Navient to attempt to resolve the problem. Every month I get a different person on the phone who gives me a different explanation as to why my payment has been misallocated for THAT month. Every month I explain to them that this has been happening for over two years and every month I get a different explanation as to why it is happening. There typical response is, " Well I have figured out the problem and I have resolved it, so it will not happen anymore ''. I get this general statement every month. And every month, I have the same problem again. 

When I call, they do supposedly re-allocate the money to the correct loans while I am on the phone. I say supposedly because I literally have no way of cross checking what they have done. The only means to cross check would be my monthly statement, but every month my statement shows the payment misallocated. I have been paying these loans on the Rate Reduction Program for over two years and have never had an accurate statement!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: MD

Complaint narrative:
I went to XXXX XXXX and told them that I only wanted federal loans. XXXX XXXX acknowledged that they would not take out any private loans ; however, they did. I did not find out that I had a private loan until XXXX XXXX/Naivent began to collect. 

I am unable to afford the high minimum high interest rate. Whenever I would speak to Navient they would tell me there are options available to me for repayment. When I ask about the options they state that I do not qualify for any of them and that I need to pay in full. 
Even when meeting my minimum payments it was all going towards interest. When I originally question this I was told that I have to pay the interest for the life of the loan before principal. Navient calls my phone 4-6 times a day every day. 

When I tell them that I can not afford the cost they tell me that I need to seek money from friends and family to pay them. 

Harassment and lots of threats with no assistance.

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: IL

Complaint narrative:
I had my XXXX student loans through XXXX XXXX, which turned over to Navient. I took out roughly {$35000.00} back in the mid XXXX for school tuition. When I graduated, I was not able to start payments, so the only option I was given was forbearance ( i.e., interest continued to accrue during this time that I put my payments on hold ). I also was told that I could only consolidate for a lower interest rate one time, which I had already done, so my interest rate has always remained the same, even with offers to others for lower rates. I have paid consistently on this loan since XX/XX/XXXX, have paid back my original {$35000.00}, and I still have {$38000.00} to pay due to the interest. No one has been able to help me with this. I read an article about the class action law suit towards Navient/XXXX and was wondering if I qualified for the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is a dispute to case number XXXX. 
I received a response from Chase sharing that they closed my file due to lack of response in XX/XX/XXXX. Chase provided XXXX letters [ XXXX letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX and a letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX for additional information. I submitted said information on XXXX/XXXX/XXXX as evidenced in this attachment. 
In addition, the criteria for information being requested continually changes : 1. I was told that I would need to justify non-payroll income. The underwriting returned my file to justify a deposit that was a payroll deposit in XX/XX/XXXX and XX/XX/XXXX. Each time I provided documentation. In essence, if I provided documentation that it was a payroll deposit in XX/XX/XXXX, I do not understand why I would need to justify income again on a criteria that was not part of the original criteria. 
2. I received another letter dated XX/XX/XXXX, I was told that I would need to justify deposits over {$1000.00} that are not paychecks with the submission of XX/XX/XXXX and XXXX bank statements. I provided the bank statements. I did not have any non-payroll deposits. 
Approximately, two and a half weeks later, I received another dated XXXX/XXXX/XXXX that I needed to justify spending over {$1000.00} on my bank statements and another copy of my thrift savings account. 
3. On XXXX/XXXX/XXXX I received another letter my chase stating that my file was suspended and need to justify I took a loan out on my TSP account in XXXX. My supporting documentation shows that my loan was taken out in XX/XX/XXXX and not XX/XX/XXXX. Furthermore, this is the same loan documented at the time of my original assumption request back in XXXX. Chase is also asking me to justify information that is public knowledge ( i.e ) the terms for General Purpose loans with the TSP. I would also imagine given the volume and number of loans originated by Chase, their underwriting professionals know rules and guidelines an individual can have for TSP loans based on the type of loan.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I borrow through Navient and I 'm on income driven repayment. Every year they have failed to tell me when I need to renew and I am surprised by a bill that 's roughly XXXX my usual monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied for and received XXXX student loans from Navient ( then XXXX ) in XX/XX/XXXX and XX/XX/XXXX. XXXX were Stafford loans, totaling {$18000.00}, disbursed to me in XX/XX/XXXX and XXXX were Graduate PLUS loans, totaling {$11000.00}, disbursed to me in XX/XX/XXXX. I applied for forbearance multiple consecutive years in a row because I knew of no other option. I was earning approx. $ XXXX/year without benefits, supporting a household of XXXX people. I called each time and let them know I could n't afford the $ XXXX+/month payments, and I was never told that I could pay must less and avoid the high interest of forbearance by being on income based repayment. I was always pushed into forbearance because they said they could even submit it for me over the phone without me needing to send them any documents. I was always immediately approved. This past year because I was unable to purchase a home or do anything without worrying about this loan hovering over me, I paid off the loan in full by borrowing from family and savings. My complete payment on the original {$29000.00} balance was approx. {$54000.00}. {$25000.00} in student loan interest on a loan that could have entered income based repayment which would have been to my benefit. I do n't believe Navient should be entitled to reap the benefits of their deceptive practices against me and that a considerable portion of the interest payment should be reimbursed to me. Any help you could offer me in this endeavor would be greatly appreciated.

Company response to consumer: Closed with explanation