vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I can give you more detail at a later date if needed but the condensed version is that I app applied and was accepted for a loan with Bank of America and through the process the amount that would be payable per month changed 4 times till literally the night before closing it was higher than I knew I could afford. I was not given that amount till I called my loan officer the night before because I did n't even know how much I was supposed to bring to the closing. I was n't given my final disclosure till 2 days AFTER the closing date!!!! I was NOT going to go to a closing without having the final disclosure and therefor the closing did n't happen which left me " homeless '' as I had given notice for where I was living and HAD to move! I have every piece of documentation and email of charges I incurred that has never been returned and proof of the increases and that the final disclosure was sent AFTER the closing 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 2017-01-23 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: CT

Complaint narrative:
Currently owe {$39000.00} in student loan debt for my son 's education. Requested deferment several times due to financial hardship. While the loan was in deferment a few times, interest continued to accrue. This account has been with XXXX/Navient since XXXX. Payments have been made on a consistent basis for several years now and we have only paid off {$1000.00} in principal in the year XXXX. This is outrageous and we have been taken advantage of. The current monthly payment is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX my Bank of America credit card was assessed an annual fee of XXXX dollars even though I had been a credit card customer in PERFECT STANDING since XXXX never having missed a payment nor ever being late on a payment. 
Bank of America has targeted a small group of their credit card holders and punished them with annual fees even if they have never been late on a payment. The only choice they gave me was to either cancel my card or accept the annual penalty, in either scenario my credit rating would have been harmed even though I was never late on a payment. This seems unethical to me since I never did anything wrong with their credit card. I recently asked them to stop charging the annual XXXX dollar fee and they refused. Bank of America has come up with a sinister method for raising the annual interest rate on their credit cards by imposing a XXXX dollar annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recently paid off XXXX of my XXXX loans and I have a screen shot that on XX/XX/2017 my XXXX account had a {$0.00} balance and my XXXX account had a {$3400.00}. Today ( XX/XX/2017 ) I received a letter saying my XXXX Loan Forgiveness Program was sent to the loan guarantor for review. This might clear the remaining balance in my XXXX account. However, when I logged into my Navient account today to read this letter, I noticed my XXXX account was at a negative balance, - {$650.00} and my XXXX account has a balance of {$4100.00}. 

My complaint is that interest still accrues during the forbearance time when my application for forgiveness is being reviewed, so interest is accruing on {$4100.00} and not {$3400.00}. I also have a complaint that my application might have been sent to the loan guarantor asking that {$4100.00} be paid off, which might mean Navient will end up seeing a credit of - {$650.00} in my final account and write it off as a profit for their company if my loans are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America will not stop contacting me re : a mortgage modification that I rejected back in or about XX/XX/XXXX. I am attaching a voicemail I received on XX/XX/XXXX from Bank of America 's " NEW Primary Contact ''. As you can see from all complaints that I have filed with the Bureau of Consumer Financial Protection , Bank of America has royally messed up my mortgage account ; violated my privacy and personal information ; misappropriated my escrow funds ; refused to accept my XX/XX/XXXX mortgage payment and the list goes on. Please note that I have left several messages demanding the specific BOA employees, XXXX. XXXX XXXX in XXXX XXXX, NJ and XXXX XXXX who claims to now be handling my " moidification '' to stop contacting me since they have no reason to do so. There is not mortgage modification that I have approved. I have also demanded XXXX to stop contacting me. This company obviously received my mortgage information from Bank of America in order to contact me, without my permission for BOA to release any of my personal information. 

Although I have requested on numerous past occasions that my mortgage account be placed BACK TO " NORMAL '' and to remove if from the modification account they have placed it in WITHOUT MY CONSENT OR ACCEPTANCE of their proposed modification, BOA continues to harass me about my mortgage modification, which I rejected and does n't exist ; is and always has been current and they are now refusing to accept my XXXX mortgage payment that I have been trying to remit since XX/XX/XXXX, at their local BOA office in XXXX, NJ. On XX/XX/XXXX, I was caused to expend {$11.00} in XXXX fees to mail my mortgage payment to BOA via certified mail, return receipt requested. 

Most importantly, I have recently been advised by the Internal Revenue Service that they have " flagged my XX/XX/XXXX Tax Return '' since someone else has attempted to file XXXX using my personal information. This is quite troubling since Bank of America violated my privacy by ( 1 ) employing someone who stole customers ' personal information a few years ago ; and ( 2 ) by recently providing another individual with my mortgage documentation/information, whereby I received that person 's Bank of America letter re : a rental car which was received in an envelope addressed to me. As a result of Bank of America 's failure to protect my privacy and personal information/identity, same has been stolen and the IRS will not release my XX/XX/XXXX Tax Refund. 

Please advise if you require any additional documentation and I will promptly provide same which shall confirm the fraud. Simply stated, Bank of America has violated the Federal Privacy Act, among other illegal acts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: ID

Complaint narrative:
My daughter used my name to get XXXX and then they moved and I was not aware it was still in my name. Today is the first day I have seen this bill at all. XXXX/XXXX/2015 My daughter is XXXX XXXX and she is XXXX and on social security XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America was sent a Notice of Error and Request for Postponement of Foreclosure Sale for XXXX XXXX. The Notice of Error advised BOA that it had failed to send the required Post Foreclosure Referral Notice and had failed to provide the borrower with a proper loan modification review. The Notice requested postponement of the foreclosure sale to complete said loan modification review. Bank of America is proceeding with foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 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: CA

Complaint narrative:
I called Navient to continue my rate reduction plan and they had me on the phone for almost an hour and most of it was on hold. They would n't include my pet food and other necessities. The supervisor I spoke with was very rude and he told me to call back again after I had already spent an hour on the phone. He was n't helpful in trying to accommodate our financial difficulty. Our payment is currently {$240.00} and he said we needed to start paying the full amount of {$430.00} which is about a {$200.00} increase that we have to unexpectedly pay. We wanted to continue the rate reduction for at least another year. The interest will also go up as will the payment. When we first took out the loan we did not know what we had gotten ourselves into. All the fine print and legal terms are not legible to a lame person who is not knowledgable with legal terminology. I believe this is how these corporations take advantage of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 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: DE

Complaint narrative:
Navient-private loan ... My life was on the incline when i had all loans under XXXX XXXX. Now that Navient took over they are trying to make me suffer. Reason i state this is ( XXXX ) checks # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XXXX, XXXX, XXXX, and XXXX. All check been cash from XXXX DE with any problems on my end. It would help ample if XXXX person would stop and see on XXXX XXXX, 2015 Account # XXXX needs a repayment plan option available ; ' which states i talking to someone else other then XXXX XXXX again. Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX. This is the head line punch Navient send me a refund check with a check number XXXX. Attach a letter saying " we 'd like to thank you for your business with Nalvient, formerly XXXX XXXX. During a recent review it was identified that our practice of charging a minimum late fee, as well as our student loan billing statement disclosures relating to when late fees would be charged.. It seem to me and i NOT the one to judge but ... NAVIENT is all over the place. Then, second ( 2 ) XXXX XXXX, 2015 another letters " Your Delinquency May be Reported to the Consumer Reporting Agencies '' wait no one talks in there office. I guess no one send each other emails anymore or they are took busy on the net buying clothes and shoes. " Your payment for XXXX of the Navient education loans referenced at the end of this letter continues to be delinquent, and we urge XXXX to make XXXX missed payments today. ( AGAIN ) Please make a payment for the amount that is past due for your loan, to bring XXXX account current. '' Let 's back up XXXX bit how many piece of paper are the wasting to send me all these letters. NAVIENT let 's get this big company in order. Continue, ( third ) Unless XXXX pay, your delinquency may be reported to the consumer reporting agencies, which may or already did impact XXXX credit history and potentially make it difficult for everyone. '' This is what I don t understand about NAVIENT ... no way in any these letters say anything about a DOWN PAYMENT # XXXX. Fourth, ( 4 ) " we understand that unexpected circumstances can cause financial difficulty. if XXXX having trouble making XXXX monthly payment, please call us at ... We 're here to help if XXXX '' HELP what if XXXX telling me to do something and i been doing it way XXXX XXXX set me up to do. NAVIENT saying i am doing everything wrong, NAVIENT help me some I can help you by talking GOOD about your company. THEEND

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value.

Company public response: Company 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: IL

Complaint narrative:
ignoring complaints, giving inaccurate information, incorrectly processing payments and steering borrowers to higher-cost repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am writing to file a complaint against Bank of America Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller " penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not " broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from " penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Reference Bureau of Consumer Financial Protection # XXXX : XXXX Bank ALSO INCLUDED BANK OF AMERICA ; I was assured by Bank Of America my credit card would be Credited back to my account : On XXXX XXXX, 2016, I received a form letter from Bank of America that was not the case ; my account would not be credited ... there is no signed recipe ... I NEVER used the card..the letter stated because it was used the chip was read ... no credit issued???? 
XXXX I HAD NO KNOWLEDGE OF MY BANK OF AMERICA CREDIT CARD WAS USED OR WHY.??? UNTIL I PULLED DOCUMENTS TO SEND COPIES TO CONSUMER FINANCIAL PROTECTION BUREAU.

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 2017-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I contacted Navient about reducing my monthly payments because they were extremely high based on my income, which was the only income of the home. I heard about the income based loan/forgiveness for public service and decided to take that route to pay off my loans. I applied for the income based loan which gave a reduced monthly payment plan for specific jobs that could be paid off in 10 years of 120 payments, as a XXXX I qualified. I provided the necessary information on-line and was given a quote. The amount I was quoted was roughly {$210.00} a month for the next 10 years, however when I got my first statement the amount due was about {$100.00} more than the already extremely high monthly payments. Example : Initial Payment- {$570.00} Reduced Payment- {$670.00}. I then put the loans back in to deferment because I could n't afford the monthly payments. I have been in and out of deferment agreements because there is no alternative payment plan. 

In addition I have loans for XXXX colleges, XXXX College and XXXX College. I have only worked at XXXX as a XXXX and no relief has been offered for my student loans. Below are a list of the XXXX : XXXX XXXX, XXXX -5 YEARS XXXX XXXX, XXXX 1 YEAR XXXX XXXX , XXXX- 5 YEARS XXXX XXXX, XXXX-2 YEARS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 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: CA

Complaint narrative:
I previously submitted a claim regarding Navient for harassment, unwillingness to work with me on a payment amount for my loans ( they wanted more than my rent monthly which I could not even remotely afford ), refusal to provide a payment plan in writing, refusal to keep to a payment plan discussed over the phone, and general belligerent and unethical business practices. I worked with XXXX XXXX to resolve this, which took months but it appeared to have been resolved with my only paying XXXX interest monthly. He promised to waive all the late fees and to provide me payment plan in writing, which was the prerequisite to me making the payments as they often up my payments and my interest without reason and without warning. After this conversation, I went to look online and once again they were trying to charge me more than was agreed upon, and they still had not provided me anything in writing. I have contacted XXXX multiple times since then to no response whatsoever. I would like them investigated again and would like a response, we well as the payment Plan in writing I was promised and my account restored to the payment plan agreed Upon, with late fees waved due to their complete lack of response to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: OH

Complaint narrative:
For years and years payments were made to Sallie Mae for my student loans. The Balance did NOTHING! At one point I decided I needed to go on an interest based repayment for over {$600.00} a month. During this time my loan collected nearly {$5000.00} dollar in interest! My payments were {$1100.00} a month. I would make a payment and then on my next billing cycle the balance on the principle would be {$1000.00} higher then the month before after making a payment of over {$1100.00}. When I would call I would spend hours on the phone with hours of that on hold and receive no answers for any of my questions or where this extra money on my balance had come from. On 6 different occasions I was told " this will have to be looked up manually. We will call you back! '' I have NEVER received a phone call from Sallie Mae unless to collect my money!!! At one point I asked to speak to a manager who also put me on hold and when he could not answer my questions he became agitated and hang up on me!!!!! OUTRAGEOUS! I am at a loss with this ignorance. There is no office to go to ... no extensions to speak with the same person twice. It is madness and Sallie Mae is corrupt and taking advantage of an entire generation of people!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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: PA

Complaint narrative:
My student loans were in normal repayment status, with monthly auto-debit ; and then suddenly without notice, Navient reflected one of the loans as 5 months overdue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Bank of America suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind.

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 2017-01-21 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 was repaying a student loan to Navient for about $ XXXX month when suddenly Navient extended my loan for ten years and lowered payments without my permission. Now it seems that despite asking Navient to remedy the changes they made without my permission, and despite paying the {$300.00} a month the loan has been extended beyond the 10 years. I was suppose to pay based on what I believed to be the terms of the loan. This loan company is criminal. I believe by changing the loan the company intended to collect more interest and has somehow managed to do that despite never getting my permission to change the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: SC

Complaint narrative:
I contacted the company and was given the run around about I opened it in 2009 and paid it but now it came back. Tried to asked for documentations but they stated they dont have it

Company response to consumer: Closed with non-monetary relief