vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful.

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 2015-11-10 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
The Indiana Department of Revenue contacted me recently, claiming that I may owe back taxes from 2011. However, I was a resident of another state that year, and paid my taxes there in full and on time. I wrote back with a letter attesting to this fact, with my state tax return attached. Although I responded before the indicated deadline, my response has been mostly ignored. Instead, I received XXXX subsequent letters within about a month, demanding payment as part of a tax amnesty program by XXXX XXXX. Otherwise, I was warned that I would be subject to double penalties, civil, and criminal liabilities. Subsequent calls to the Indiana DOR after each letter acknowledged the receipt of my original response. However, it has gone unread to date, and thus failed to affect these collection efforts. 

I recently learned that XXXX letters like the ones I received were sent out to innocent people. Indiana 's government contracted with Navient Corporation, and agreed to pay them based on how much money they bring in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XXXX I purchased a condo from XXXX XXXX Loans or lender to promissory note. It has since then been switched in XXXX to Bank of New York Mellon. It has switched Loan Services multiple times. Along with the lender switch and servicer there is no documentation ever provided or notified of these switches. It has been since XXXX XXXX the last time I made payment. It was taken to court in XXXX to XXXX and dismissed without prejudice in XXXX. Since XXXX since after trying to refi and getting told no over and over and none of the current loan servicers or lender could prove they actually own the note and mortgage or property I stopped paying maintenance fees. In XXXX the association for the condos foreclosed due to maintenance fee being behind. They have released me of all responsibility and interest in condo. The loan amount is still affecting my credit causing me to not be able to rent places, get car loans even with a good paying job, and effecting both finical and physiological and emotional well being due to lack of failure to address and take care of this matter in a timely fashion or refi the loan to make it affordable. It is now causing me to not be able to go back to school.

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 2015-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
On XXXX XXXX I made a payment to Bank of America from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The BOA account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by BOA they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Bank of America to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with BOA so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Bank of America has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Bank of America has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from BOA I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of BOA could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.

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 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT.

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 2017-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient now requires me to input my social security number or account number before login. This was not previously the case. Additionally, they do not send you any information containing your account number by mail or email. Many people do not feel safe giving out SS number over the phone or online and this results in many people, including myself, who are locked out from accessing their loan documents. Customer service will not allow you to verify identity with any other information. They state that they are following DOE guidelines. These guidelines are, for lack of a better word, XXXX. I may now be permanently locked out of my account. This antiquated DOE guideline was ill-planned and needs to be rewritten.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a private student loan with Chase which has since been managed by XXXX but is still reported through Chase. I have never been late and in fact I have constantly paid more than the minimum payment so that my next payment is n't even due until another 2 or 3 years. I tried to release my cosigner and submitted all the necessary documentation. My request was denied and my concern is that they will not tell me why. All I was told is that I can try again in the future. I do n't know if my request was denied due to credit score, income level, length of loan history, or any other factor. I do n't think this is right because I do not know what steps I should correct to get my cosigner released. For example, if it 's credit score I can improve it and try again. But if it 's income level then that would be harder to correct in the short term and it would be a waste of my time now to keep trying and dinging my credit score. 

Is there any recourse? I 'm not asking for proprietary information, I 'm just wanting to know the reason why. I called multiple times and I was told they ca n't give me their credit thresholds because it 's proprietary. I do n't care about the exact number, all I need to know is that my score is below their minimum or my Debt to Income was above their maximum, something along those lines. Do student loan providers not have to give a reason at all for denying the release of a cosigner?

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:
I have expressed difficulty with maintaining payments, but have been told there is nothing that can be done to lower payments. They 've said I am ineligible for any assistance, lowering payments or offering a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
three years ago bank of america put my name in the XXXX and other databases so i cant do any type of financial transactions on earth anymore. i had a direct deposit from an employer on a friday and typically the money would be available the following monday. on saturday morning i wanted to go to a book sale and pay cash so i wrote a check to my checking account and took out cash knowing that i would be able to cover the check with my direct deposit by the time bank of america " presented '' the check on monday. at bank of america, an transaction made after XXXX on a friday is a MONDAY business day transaction, so obviously my transaction on saturday morning was a MONDAY BUSINESS DAY TRANSACTION. the atm receipt had the date of the transaction ( which was about XXXX on saturday XXXX and also the " business date '' of the transaction which was listed as the following MONDAY. i had done this type of transaction many times before without problems. on monday when i went to the atm to deposit cash to cover the check i had written on saturday morning it said my account had been closed. i called bank of america the they told me they had put my name in the XXXX database as having done " bank fraud '' and that i would never be able to do any type of financial transaction on earth for the rest of my life. i then went over to the local branch in XXXX california and talked to the branch manager XXXX XXXX. he took {$860.00} cash from me ( this was monday afternoon ) so if they hadnt closed the account the check would have been fully funded. he called bank of america and they confirmed to him that they had put my name on XXXX and that i was now blackballed from doing financial transactions on earth. the corporate offices told him nothing could be done about it because " the department that put my name in the XXXX database doesnt talk to anyone, either bank of america employees or customers ''. this was very unfair to me as, under their own rules, bank of america should not have submitted that check until monday, and since the bank manager took {$860.00} from me, the check would not have bounced. obviously since bank of america did not lose money they were not the victim of " bank fraud ''. i went to several other banks like XXXX, XXXX and XXXX and credit unions and i was indeed blackballed from doing financial transactions in america, none of them would open an account for me. this has had a drastic effect on my life since my business in online and i need a bank account to receive payments from customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I dispute the entire amount of student loans serviced by Navient because the debt was the direct result of fraud and misrepresentation committed by The XXXX XXXX of XXXX including, but not limited to ( a ) the urgency of enrollment and the need to enroll immediately, ( b ) false claims about historical success in finding jobs in my field of study, ( c ) false claims regarding earnings statistics of graduates, ( d ) false claims about employment assistance the school provides, ( e ) false claims about the quality of the educational programs, ( f ) false claims about the transferability of credits, ( g ) false claims about the cost of a degree, ( h ) false claims about the value of a degree from XXXX, and ( i ) predatory and high-pressure sales tactics. Navient has sent several delinquency notices to me regarding the payments on the debt. I advised Navient that the debt is a DISPUTED DEBT and further warned Navient that if they were to report any delinquency to credit reporting agencies, that the Fair Debt Collection Practices Act requires that Navient notify the credit agency that the debt is a DISPUTED DEBT. Navient reported the delinquency to all three major credit reporting agencies ( thus affecting my credit rating to my detriment ) WITHOUT the required notice that the debt is a DISPUTED DEBT. This is a violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: CT

Complaint narrative:
i have navient ... they refuse to work with me and i owe over XXXX currently i am paying XXXX month. my XXXX XXXX XXXX father is paying XXXX month for me, because i am a XXXX and single mom. please help me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 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: MI

Complaint narrative:
I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Bank of America Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.

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 2015-12-08 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: IN

Complaint narrative:
Enrolled in a XXXX XXXX school ( XXXX XXXX, XXXX, Indiana XXXX ) was lied to about job placement, lied to about how my education would be covered mostly by grants, and they kept pushing this on me. They pushed me into a XXXX XXXX ( Now Navient ) Loan, said I met the criteria with a cosigner, and it was the best loan one could get. When in all truth it was the WORST. Variable rate that is up to % 13 percent, and climbing. I owe more on the debt now than when I first took it out. 

Come to find out there were XXXX loans with FIXED interest rate at 6.8 %, and there was no income requirement. 

This shows that XXXX and XXXX/Navient were in together on enrolling students that could get a creditworthy co-signer to get this Variable interest rate loan. This loan was pushed and pushed on me, and I was n't given many other options, it was then or never. XXXX has been proven to do shady business dealings, and has been fined for it. XXXX defrauded a bunch of students, and is now out of business. These XXXX conspired with each other to get the max they could out of each enrolling student, while constantly pressuring them, and lying. XXXX these companies shady practices have been exposed, so something should be done. They pushed me towards that XXXX XXXX Variable Interest rate because they new I had worthy credit and a cosigner, and income. 

They never mentioned the XXXX loan ONCE! Ask yourself why would I take out a Variabe Interest rate loan, when I could take out a fixed interest rate loan??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Back in 2010 I asked BOA for a loan modification XXXX. We were financially strapped and after months of being late on mortgage pymts which BOA told me to do my credit was short XXXX & they started forclosure. 9 months later they sent me a letter that they would do a modification- {$1.00} less a month YES {$1.00}, I signed it and not realizing they added 2 years on to my mortgage. I am now looking to refinance and I just found this out. I am furious, want those 2 yrs back & I want out of BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Hello, I am an XXXX citizen and I lived in the U.S. between XX/XX/XXXX-XX/XX/XXXX on XXXX. I opened a checking account with Bank of America when I was a XXXX at XXXX. 
When I returned to XXXX on XXXX/XXXX/XXXX, I did n't close my BofA account. On XXXX/XXXX/XXXX, BofA closed my bank account and sent a check for the balance ( XXXXUSD ) to me. 
The problem is that XXXX banks do not cash this check, because there is no financial relationship between XXXX and the US. No other country, including XXXX, XXXX, etc. opens a bank account for an XXXX citizen too. So literally I can not get my money back! 
I asked BofA help-desk if I can endorse the check and sent it to a relative who lives in the US, so he can deposit the check into his own account ; They said No! 
I asked them to cancel this check and issue a new one under the name of a friend of mine who lives in XXXX, so he can cash the check. BofA refused again. 
I want to know if I can ever get my money back. Can you help with that? 
Regards, XXXX XXXX

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 2015-04-21 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: CA

Complaint narrative:
I currently have around {$35000.00} in private student loan debt from both XXXX XXXX and XXXX XXXX, with my payments per month totaling around {$400.00}. Between my rent, car and insurance, and mounting credit card debt ( accrued mainly in part due to lack of finances from student loans ) I have been actively seeking assistance from XXXX lenders in paying off this debt. Every time I have called, there seems to be not a single option of assistance, except forbearance ( and even that comes with an upfront payment that I can not currently afford. ) I feel trapped and can not even refinance or consolidate because of my poor credit score. Other debtors online seem to have varying success rates getting altered rates or payment terms, but I seem to be out of the loop.

Company response to consumer: Closed with explanation