vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-05 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account without sending me a correspondence regrading as to why they close it, i called customer service on XXXX/XXXX/XXXX and the representative told me he does n't know as to why it got closed the only reason he could tell me is I had late payments on the credit card. I asked if the only reason to open it is to reapply again and the rep said yes. the reason why i got late payments is I got XXXX and could n't pay it, I payed the credit card on XXXX/XXXX/XXXX for {$230.00}. I feel that I got discriminated on this matter and treated unfairly.

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

Complaint narrative:
Navient pushed me to take forbearance on my loans. Navient aliso never reminded me when it 's time to re new my pay as you earn income plan.

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 — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XXXX, XXXX, Navient sent me an update of my loans status. I had XXXX loans at that time. I had monthly payments of {$82.00} for the months of XXXX and XXXX, XXXX and the payments were to reduce to {$47.00} starting in XXXX, XXXX to XXXX XXXX XXXX. On XXXX/XXXX/XXXX they sent me a congratulatory message because I had paid off XXXX of my XXXX loans, and a couple of days ago they sent me another statement listing the XXXX loans that I need to continue paying. The shocking thing is that my monthly payments have increased to {$100.00}. I am supposed to make these monthly payments to sometime in XXXX. I called them yesterday, XXXX XXXX, XXXX seeking an explanation why my monthly payments have increased yet I have paid off some of my loans. The gentleman I spoke with gave me a very unsatisfactory answer stating that my loan terms had changed. He could n't explain why yet I have been making my payments faithfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 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: FL

Complaint narrative:
My mother passed away over a year ago and I have been trying ever since to get someone at Bank of America to act on documents giving me, as her court appointed personal representative, access to a small personal IRA she kept at the XXXX, Florida branch for many years. I have visited the bank XXXX times in total since my mother 's passing with all the required legal documentation and personal identification necessary to enable me to legally distribute the IRA 's contents to the heirs as stated in her will. However, to date ( XXXX XXXX 2015 ), I have yet receive anything other than a Patriot Act form that asked me to state that I was indeed a citizen of the United States ... a bit of information I have already submitted XXXX times. I have tried contacting both the managers of the XXXX branch and of the downtown XXXX office by certified mail only to have my letters returned ... unopened. I feel I have been more than patient in my efforts to get someone at Bank of America to act on a simple request for access to an account that I am legally entrusted to collect and distribute. Can anyone here help me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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: FL

Complaint narrative:
I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BANK OF AMERICA IS ATTEMPTING TO FALSELY FORECLOSING AS THE OWNER OF A NOTE THAT WAS SOLD TO ANOTHER ENTITY IN XX/XX/XXXX 
BANK OF AMERICA N.A.WAS NOT THE TRUE SECURED CREDITOR TO WHOM ANY ALLEGED DEBT WAS OWED AT THE TIME THE FORECLOSURE NOTICE WAS FILED. : Pursuant to NCGS XXXX XXXX c ) ( XXXX ) only the Secured Creditor can accelerate the maturity of the note. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX as substitute Trustee commenced this action by mailing a Notice of Default to the XXXX 's. Point 1 of this Notice states the following : " The Creditor to whom the debt is owed is Bank of America , NA s/b/m to BAC Home Loans Servicing. '' Concealing the true creditor. XXXX attached -plaintiff letter of default XXXX The representatives for Bank of America submitted an affidavit further concealing the true owner and creditor. ( attached-affidavit of XXXX XXXX and expert report on affidavit of XXXX XXXX XXXX A Response from a Qualified Written Request revealed that XXXX XXXX, not Bank of America , N.A . was the holder of the note on the date that the foreclosure was initiated. ( attached- letter from Bank of America confirming true creditor XXXX XXXX XXXX This finding was also confirmed by XXXX XXXX XXXX XXXX XXXX XXXX confirmation ) XXXX XXXX did not initiate the Foreclosure as required by law and XXXX XXXX XXXX XXXX, XXXX, Substitute Trustee, should have filed the action on behalf of XXXX XXXX as opposed to Bank of America , N.A .

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 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: NC

Complaint narrative:
I have been trying for almost a year to get into an affordable repayment plan with my private student loan servicer, Navient. First I tried an interest only plan, but even that was almost $ XXXX/month, on top of the $ XXXX/month I have to pay on my government IBR plan. After multiple attempts at contact ( often having to wait on hold for extended periods of time and being transferred to multiple different people ), I was finally advised that I MAY be eligible for an alternative payment plan ( no details on what that means have ever been given ). I was sent documents asking for my personal financial information, as well as the personal financial information of my co-signers. When I asked my co-signers to complete the forms for my financial assistance application to Navient, they asked why the servicer needed their information to determine whether or not I was able to afford MY monthly payments. I again contacted Navient and conveyed my co-signers confusion. I was advised that, if my co-signers financial information showed that THEY could afford my current monthly payment, my application for a lower alternative payment plan would be denied and they would simply collect from my co-signer after I was forced into default. This is exactly what they and I both feared. While we understand that a co-signer is equally responsible for the full amount of the debt, the co-signer is only supposed to be collected upon if I disappear or otherwise refuse to pay my debt. The lender should not force me into default just so they can collect the higher payments from someone who was doing me a favor to further my education. I am trying to work with Navient in good faith to establish a payment schedule I can afford. Their callous disregard and refusal to work with borrowers who want to repay their debt is unfair and abusive to both borrowers and their co-signers. I only have two months of forbearance left and I fear my co-signers and I will end up facing negative consequences if Navient is not forced by the CFPB to act ethically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I requested a loan modification with our Mortgage Lender ( Bank of America ) in XXXX for XXXX and XXXX loan. In XXXX Bank of America finally approved our Loan Modification request. Recently, I have been getting calls from a XXXX XXXX company stating they our Mortgage Lender to our home. We have been making out payments to Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from Bank of America. XXXX has not provided a servicing agreement between them and the alleged noteholder. On XXXX XXXX, XXXX, XXXX 's counsel sent an abandonment of Acceleration referencing acceleration of XXXX XXXX, XXXX that was accelerated by their predecessor. Bank of America 's acceleration is irrevocable for the following reasons : 1. Bank of America exercised the remedy to foreclose on the propoerty on XXXX XXXX, XXXX. 
2. BOA 's agent executed a foreclosure deed on XXXX. 
3. XXXX was awarded Judgment of Possession on XXXX/XXXX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XXXX XXXX, XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against XXXX 's predecessor.

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 2017-01-19 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: IL

Complaint narrative:
I went from XXXX in loans to over XXXX in a matter of an year. The company is n't willing to work out a reasonable repayment but had my payments are XXXX and XXXX and it 's no way I can afford that amount a month. How is it possible for such an increase even with the accure Interest will make my total that amount and such a short amount of time Navient taking over the loans. It is impossible and unreasonable to ask any one to make such balloon payments of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I set up autopay with Bank of America a few months ago. When I go to their website I see the terms that i set up : Pay in full on the due date. For the XX/XX/XXXX cycle I paid directly through my bank because there was no notation on the bill that the autopayment was established. As of today I should have current charges not yet billed totally XXXX. This bill has not been rendered and there is no balance on the bill. The bill will be rendered on or about XXXX XXXX, and the due day would be XXXX XXXX or thereabouts. HOWEVER, the bank decided to debit a minimum payment of XXXX even though there is nothing due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-15 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
Jefferson capital is not a licensed debt collector in the state of Massachusetts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 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: GA

Complaint narrative:
I have a student loan through Navient XXXX XXXX XXXX XXXX for just under {$10000.00}. I have been making payments on my loan this year, however, they have chosen to charge it off ( as of XXXX XXXX ) which I didnt find out until XXXX. In XXXX, someone from Navient XXXX XXXX XXXX contacted me to attempt to settle my loan. I negotiated a settlement offer but never accepted it. I called in later on in XXXX to express that I had experienced a hardship and needed more time on the offer. I was told that Navient had charged off my loan as of XXXX and that I would need to call around to figure out who owned the loan. After calling around a bit more I found out that Navient still owned the loan but would not give me any hardship extensions. I went to check my credit report and saw that the loan had indeed been charged off for the full amount. However, today ( XX/XX/XXXX ) i received a credit alert stating that Navient had charged off the loan again for {$2000.00}. Navient is reporting this XXXX debt as a charge off multiple times for different amounts in order to ruin my credit. The company is malicious and making it difficult for me to settle my loan in an attempt to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a Bank of America credit cardholder since XXXX. Over the past year or so, the budget has been tight but I have a promise to myself to never miss an obligation even a credit card payment. Bankruptcy has never been an option and will never been an option for me. Things are back on track however over the XXXX months I have been billed higher interest, late fees and annual fees. The interest I can live with ( but preferably at a lower rate ) but the late fees and annual fees have totaled over {$300.00} in unwaived fees ( {$370.00} total ). I am a decent customer and I just feel like these late fees and annual fees can bury you. I am hoping to have the {$300.00} as a courtesy for being a customer for exactly XXXX years now. Often when I finally get the money to make a payment its sometimes hours after the cutoff time. Sometimes so close to the deadline that the website is down for maintenance. I am just hoping you feel my pain and waive the {$300.00} for my straightforwardness. Thank you. Again I am back at work making even more money but the past XXXX month have been tough. At XXXX you do n't expect what happened to me but I am back on tack with a clean bill of health. Please understand. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Way back in 1996 I went to XXXX for XXXX semester. The school was a XXXX minute car ride and I had to withdrawal. At that time the I owed approximately {$6000.00} dollars in student loan debt. Since then my loan amount has been sold and transferred to different loan " servicing '' companies and the amount has ballooned to {$29000.00}. I feel that I am the victim of predatory lending practices and I need the help of Consumer Financial Protection Bureau. I would like to be able to pay back and finally be rid of this obligation but I wont be able to afford this very high balance. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: NC

Complaint narrative:
We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: PA

Complaint narrative:
I had to keep applying for a forbearance because the amount of interest and loan that I owed is just impossible to pay back. Each time I paid, navient would apply more towards the interest owed then the principle amount owed and it keeps adding more to my total! It is impossible to keep up and pay down my loans from navient because they are just applying where ever they want to and not letting me pay down my loans! I feel I have been paying the same amount off for 5 years! They are stealing my money!

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

Complaint narrative:
Steered me toward higher payment loans I ca n't repay my loans due to the high payments and increasing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
When I was having trouble paying my loans, they would not lower my payment enough to make it affordable. It was the same thing over again to get a lower monthly payment. The lowest they would go seemed consistent with other people who have loans with Navient. We were offered the same XXXX year replacement plan almost to the penny, seemed like they did not consider income or expense depending on status. I also went back to school for my XXXX and I stated this. They would not defer my loans, they deferred them after XXXX months, hurting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Reference to Case number : XXXX ], Bank of America charged me a XXXX NSF fee because they held my certified funds cashier 's check funds for 9 days. This is an additional complaint for the XXXX Hide additional information for activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... 

Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX Type : Bank chargeDescription : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXX Merchant name : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXXSelect to Editthe merchant name Transaction category : get more information about transaction categoryUncategorized : Pending

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 2015-05-08 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: OH

Complaint narrative:
1. Navient Loans ask for an email address then do n't send information by email or paper. I removed my email address and told them to mail information on paper. Which are still slow an inaccurate. 
2. Now I ca n't log into my account without signing up for paperless communication. 
Are they allowed to do that? 
3. This my daughter 's cosigned loans. They wo n't give me any info about these loans. They did'nt take auto payments in 2014 and did not communicate. When they found the errror the harrassed me to no end. I gave them a set of payments for XXXX month and they were calling back the next day asking for the rest. This is even though my daughter was making payments. She told me today to never give them money because it goes to fees that are likely wrong and she is better off working with an acct manager to resolve any issues that are usually attributed to a Navient error.

Company response to consumer: Closed with explanation