vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has provided me with a written document dated XXXX XXXX, 2016 from their paid legal advisor represented as the CFPB iportal uploaded CFPB Complaints response to multiple CFPB Complaints I have lodged related to my home loan mortgage account during and throughout the MHA HAMP modification process between XXXX XXXX, 2016 through XXXX XXXX, 2016. 
This document has not been uploaded to the CFPB iportal to date and therefore can not to be considered a response to any of the CFPB complaints. Additionally, the document and attachments do not address the concerns presented within the CFPB complaints lodged related to my concerns throughout the loss mitigation processes to date. 
Because Bank of America has engaged in unfair, poor, and deceptive practices, I have no way of knowing what I have been presented with is the final resolution of my concerns or not and just another of Bank of America 's tactics to solicit what they want. 
There has not been a Rescission recorded withdrawing the NOD with the XXXX XXXX County Recorders Office to 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 2016-11-26 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:
On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.

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 2016-10-16 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: NV

Complaint narrative:
About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. 

I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. 

Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. 

So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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 called Navient to see what other options I may have in term of reducing the monthly payment. I know there is a process to go through after giving them all required information, to see what I qualify for. However, that process never begun because they wanted to know all the bills I had that they asked for. So I gave them all the information in terms of my monthly bills. After that, the representative told me, that they will will not go forward with this because I have to many bills, that I will be denied. what does this have to do with what my options could be. So basically, because I have to many bills, I do n't My income does n't reflect that, so they wont even help me out in terms what my options could be. Navient was very vocal to mention to me, that their not going to go forward with trying to see what I could qualify for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: AZ

Complaint narrative:
I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 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.

Complaint narrative:
I originally was signed up for XXXX through my student financial aide representative at a private, for-profit university. When they switched over to Navient, I had just recently finished my degree and had begun to make payments. Since then, I took a job in XXXX by obtaining a work permit. Since I 've moved up to XXXX, it has been incredibly difficult to pay my loan payments on time. I 'm now being paid solely in XXXX currency, and have been wrestling with a tough conversion rate as well. The main problem, however, comes in the fact that they make it very difficult to pay using XXXX currency. I have been told many different things by different representatives at Navient. The most often recommended route is to get cashier 's checks over the border in the US, and then pay to mail them in every month. To me, this is an absolutely unreasonable request. This has forced me to borrow money from friends and family 's accounts in the US to pay for my loans, and has become an impossibility. This has caused me to miss payments and caused hits to my credit. Overall, the process seems overly-difficult and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: CA

Complaint narrative:
In XX/XX/XXXX I helped my niece by co-signing for her student loan. I thought no more about the issue. It 's now XX/XX/XXXX, I 'm retired from XXXX and receive a copy of my credit report with Navient reporting 60 and 90 days late dropping my credit score by XXXX points. 

I called Navient to figure out who they were. Once i knew they were reporting late in regards to my niece 's loan, i called them right away. They had no accurate information for me and had never tried to correct the information. The customer service representative verified they had returned mail because of the inaccurate information. 

Navient never tried to contact me. They had my niece 's information and simply could 've asked her for my contact information. I would 've made the payments had they tried rather than let the account go overdue and allow delinquencies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: WI

Complaint narrative:
We received a notice via email this morning that our terms had been changed for us from a payment of {$110.00} to {$780.00} /month. No previous correspondence had been received via mail or email. The Navient customer service was unhelpful in providing a reasonable resolution that would make this oppressive payment something my family could afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was a student XXXX. I am waiting for my XXXX degree. I am currently working XXXX - I do n't have a full time job and have been trying to make my payments on the private loan to Sallie Mae - I can not afford {$1100.00} per month. My parents also can not afford this amount. I am supposed to be paying rent to my parents, which they have waived and they also have been helping as much as they can since they are cosignors. I have asked several times to make payments based on my income and have been told No by Sallie Mae. Until I can get a full time job, I can not afford the payments they are asking for. I will end up having to go out of my XXXX field if I can not get a full time job and I do not want to do that. I just need help until I can get on my feet. My debt is over {$100000.00}.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
paid tax on time, Bank of America repaid the tax with a late fee to XXXX. The bank opened escrow and funded it from the mortgage payments. I did not have escrow. I pay tax and insurance my self, I am calling the bank since XXXX to resolve this problem, as of XXXX The said problem is not solved. All XXXX credit bureaus are showing I am XXXX days late it also shows the increased payment of {$860.00} not {$510.00}. To add insult to injury the bank told me I must write and request they remove the mistake from my account. I wrote the letter to an address I was given since the end of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 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:
I have been trying to find out from Navient what are all my options in regards to paying my private student loan. For the past year they have been constantly keeping back information. Recently I have been going through some financial difficulties and could not afford to make payments. I was offered the hardship deferment option, but it costs {$50.00} just for 3 months. I have been dealing with the rudest person, XXXX, at Navient that all she knows to do is make threats towards and me and my family if I do n't pay ... .stating that she will make sure to put us out on the streets. Recently I have received some letters from Navient stating that now there are more options and that I need to call them. Every time I call I only get XXXX and she states that there are no options that would apply to me ( not even the ones listed on the letter ), even though on the letter it has my loan #. After many days of calling, I was able to speak to someone else, XXXX, and she was nice enough to share more options that are available, though she said there are more but I need to be in a different financial position for her to share them with me. After few minutes of conversation, she states that she needs to transfer me back to XXXX. Once transferred to XXXX, she starts yelling at me to pay up or she will make sure to escalate the matter and have an attorney 's office come after me. After I tell her I spoke to XXXX about some other options, ( like 1 % interest, late fee waiver ) all of a sudden she remembered that these option are available to me too. As I probe more and share more and more of what XXXX shared as being my options and what the letter states, XXXX starts to recollect the options as well. When pushing to find out what other options I have she starts screaming that I need to pay or she will make sure to have an attorney come after me and then she hung up. I want to know what are ALL my options and not have threats agains me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America continues to assign and then reassign customer relations managers to me without resolving any of the ongoing issues or maintaining adequate contact after initial first contact. 

They have now assigned me XXXX XXXX. Just recently, a couple weeks ago, I was assigned to XXXX XXXX who recently left a voice message with XXXX XXXX, only to have on record that they contacted me. After I called back, I did not get a response back from XXXX XXXX. Instead, received, yet another letter from BofA stating my customer manager has been replaced. ( see ensclosure ) Their only solution is to have me restart the nightmare process. 

This is now going on for years with no attempt by BofA to admit wrong doing for their lack of customer service and poor handling of a loan. Bof A has yet to rectify the problem. 

Below is the bullet list of past problem. 
1. I was given a list of requested documents that I turned in. 
2. I had to keep calling to see if was received and accepted. 
3. I was told I needed addition information. 
4.After sending in the additional information, I was told I needed more additional information. 
5. I get a letter weeks later that they canceled my loan. 
6. I had to call to get it restarted again. 
7.Underwriters requested more documents. I did n't even understand some of what was being requested. 
8 It was then requested I send my entire tax records of 2013. This was about an inch thick and very difficult to do. 
9 the requested more information that was already contained in the sent info. 
10. I re-sent information once again. 
11. I was told on at least XXXX occasions said this should be it, I just need a signature of something and we are good to go. 
12. I would end up sending more info. 
13.I would call again to learn they wanted more information. They wanted a break down, some rental accounting sheet that I did n't have. 
14. They have changed representatives to assist me at least 8 times. 
15. They occasionally call because of the complaints I filed with the CFPB but only state computerized responses and no help. 
16. Many times I was given a number for assistance but ended up in a maze of departments unable to get through. 
17. Towards they end, I was told I made to much for a loan modification, therefore I contacted the refinance department which stated I did not make enough for a refinance 18. Another representative suggested I default on my loan, ruin my credit to have a better chance of a modification. 
19. I was contacted by a representative who gets XXXX XXXX 's ( B of A CEO ) emails however she requested the same information and more, to which I can no longer go through and no longer trust the process. 
20. Bank of Americas only solution to rectify this problem is to have me restart the entire process.

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 2016-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I wrote to you XX/XX/XXXX. I am getting very vague responses from bank of america. But as I continue to do research, I found lots of fraud items and asking BoA to verify items but not getting what I need. XXXX did the investigation from them. They just keep giving me the same stuff over and over. The Mortgage Note and Allonge Note are robo signed and BoA did not receive any right, title or interest in my Accomodation Mortgage lien as the parties assigning the Accomodations lien failed to preserve a proper chain of title. This is treble damages.

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 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have late payment entries on my credit report from Navient by the following events beyond my control : 1. I had a student loan held by XXXX - and I was actively enrolled in a direct debit payment. 

2. XXXX sold my student loan to the newly formed company Navient - but included an old address ( my parents ) with my account. 

3. Navient sent loan ownership and payments due notices to my old address - which sat unopened. 

4. My mother sent old mail to me, I became aware of the situation, and quickly paid my outstanding balance and set up a direct debit agreement. 

5. My account has been, and is currently in, perfect standing. Instead of reporting the single payment that was missed, Navient has reported on XXXX smaller loans - resulting in terrible credit. 

This is a completely inaccurate view of my credit, costing me thousands of dollars on my home loan. Navient has been immovable. I would so very much appreciate your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The interest from my student loan keeps building adding more interest and they wo n't set up payment plan 's with me to pay it. They demand all the money up front because I did n't pay it immediately so now I 'm in collection with the debt company and they keep harassing my phone sending me mail notices demanding payment but refuse to allow me to pay payments at my convenience when I have the funding. The customer service is aggressive, intimidating and unprofessional. I want them to clear off half of my loan and allow payments to be set up appropriately until paid in full. The amount the loan started from is what I want to pay and nothing extra.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Recorded message collecting debt and asking for someone whom we do not know and has never lived here ( we 've owned this phone number for 11 years ). Requests to stop calling us have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Recently i deposited my employer 's pay check through mobile online banking application to my Bank of America checking account on XXXX, but the bank put it in hold my available funds until XXXX at XXXX. My employer use XXXX for his pay checks. I have had my BoA account for 10 months without any overdraft

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