vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I originally purchased a home with a mortgage from Countrywide which was then purchased by Bank of America. A little while after the purchase my wife lost her job and I tried to be proactive and work with the lender. I was told they would n't negotiate with us until we were pass due and to stop making payments. Then I called them after I was XXXX days past due and they told me not to send any payments unless it was in full and they would send me a packet. I completed multiple packets with them to restructure the loan and was told they lost the information or never received it. We got so far behind we attempted a short sale. We had a reasonable offer on the table and the lender refused it. XX/XX/XXXX we had a court hearing where I told their attorney and the judge we just wanted out of the home so we could start over. I was told the foreclosure sale would happen XX/XX/XXXX. We moved out of the house in preparation for that but the foreclosure never happened and over XXXX years later they still have n't done anything.

Company public response: Company 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: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
When I first started speaking with Navient about the repayment of my student loans, I was never offered any options other than standard repayment. I would always be offered forbearance when I could n't afford to pay, but it was n't until XX/XX/XXXX that I found out about the Income Based Repayment options. I started working with Navient XX/XX/XXXX. Before that time, I only had about {$35000.00} or a little more in Student Loan Debt, now I have over {$40000.00} due to interest charges. Had I known about the Income Based Repayment options in the beginning, I would have never had to put a Forbearance on my account because I would have been able to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: OH

Complaint narrative:
I have had my loan through Navient. Hey have put my account in forbearance several times and never let me know about income based repayment. Had I known about it I would have chosen this. Now my loans are even higher because of forbearance. I also feel that something is wrong with my loan amount. I feel like there is more debt there than I actually borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
bank of america lied to us about doing a home loan modification .we were told at the very begining of the process that our interest rate would be lowered.and it would save us money each month.but actually what they done was add 20 more years to a mortgage the we owed 20 years on so this put us owing 40 years total and only saved us about XXXX dollars a month .they told us we had to sign the paperwork or they would foreclose on the house.during the process they told not to make a house payment until we was approved .so afterwards now we are 4 months behind i kept telling them if this was going to add years to our mortgage i didnt want it but they insisted they would lower our interest rate they lied to us and forced us to sign or said they would start foreclosure procedures on us.this is so ridicous who would ever do a home loan modificatin to save XXXX dollars a month to add 20 years to their mortgage .i looked it uo and online alot of people are complaining about bank of america home loan program .im also contacting the attorney general here in tennessee and filed a complaint with the XXXX.we also will be seeking a attorney on this matter.its not fair to lie to someone like that. if they would have been truthful from the start i would never had started the loan modification .i think the federal government also needs to look into this since bank of america took the bail out and not trying to help consumers but punish them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I applied for a mortgage refinance with Bank of America in XX/XX/XXXX. Recieved conditional approval on XX/XX/XXXX. After several weeks of communicating with XXXX XXXX, Loan Officer, and XXXX XXXX, Home Loan Specialist, they XXXX abruptly stopped responding to my e-mails and phone calls. My loan was ultimately cancelled for " failure to respond to requests ''. After several weeks of calls and e-mails, I was put in contact with XXXX XXXX, VP Operations, who had XXXX XXXX contact me. XXXX XXXX informed me that despite the fact BOA was in error, I would be required to reapply for the loan, which I did. The XXXX application was conditionally approved on XXXX. Even though XXXX XXXX had promised to do everything possible to expedite the new application, the scenario in processing the new loan was almost identical to the original application. The XXXX loan was also cancelled due to " failure to respond to requests ''. Ironically, the cancellation happened on the same day that I faxed the latest information BOA had requested. For the last two weeks I have been in correspondence with Processing Manager XXXX XXXX, who also promised to " get personally involved '' in closing this loan. Her assurances, like those of everyone else I have been in contact with at BOA, have been worthless. I am at this time waiting to hear from her as to the status of this application.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Below is an excerpt of a letter I sent to Bank of America on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my BOA checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, 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 non-monetary relief
Consumer complaint received 2017-01-22 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: CA

Complaint narrative:
My loans have an extraordinarily high interest rate and I am not able to refinance them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have a private student loan with XXXX XXXX some time ago they sold the loan to Navient. There have been making auto payments out of check since 2010. I have also been making payment to Navient Both parties are claiming they own the loan and will not t tell me who owns the loan. Navient is most rude and hang up when you are communicating and tell me to contact XXXX XXXX. XXXX XXXX tells me to contact Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 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: NJ

Complaint narrative:
The lender which XXXX XXXX sold my account to Navient. Has been calling and leaving messages to someone who was not in my life at the time I was in school nor at the time when the loan was taken yet somehow now are calling this person and pretending to be a job source and stating that this person was given as a reference.

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

Complaint narrative:
My Private Student Loans were serviced by XXXX XXXX prior to the 2014 split into XXXX XXXX and Navient. I repeatedly asked XXXX XXXX representatives to be enrolled in the 12-month rate reduction program, and was supposed to be enrolled in the program in early in 2014. However, when I contacted XXXX XXXX after the 3 monthly payments were made the representative stated that I " was n't eligible for that program, but I can make 4 weekly payments instead ''. I have NEVER been able to coordinate the 12-month rate reduction program with either XXXX XXXX or Navient since early 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

XXXX 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 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Six years ago cleared up flood insurance with XXXX XXXX XXXX on vacant land, no flood insurance required. Three years later XXXX XXXX XXXX sells our mortgage to Nationstar. paying the usual monthly payment to Nationstar for about a year they suddenly send a letter to us stating we need flood insurance and if we do n't get it they will place insurance on us. I explain what we did with XXXX XXXX XXXX that the structure was removed there for no insurance required. I send proof from town hall stating the removal of the structure. They say not good enough and decide to place flood insurance on to our mortgage. Nationstar was asking for an additional XXXX month and we refuse to pay the extra money but continue to send the regular payment hoping we resolve the situation.We send the regular payment for about 8 months and that is when they refused to accept anymore payments from us and put us into foreclosure. Two years later and XXXX lawyers later we are stuck in limbo. Our credit is destroyed ca n't get a loan ca n't refinance on any of our properties. 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: TX

Complaint narrative:
I have been paying Navient XXXX dollars every month for the past 4 years. I had {$100000.00} total in student loans debt prior to start of repayment, however my current balance principle is still little over {$100000.00}. I have not deferred any payments since the beginning. I have concerns regarding how my payments are being distributed. I have paid over XXXX dollars yet my principle has only came down {$5000.00}?? Please take a look into this. I very much appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
1. I opened a mortgage, savings, and checking account with Bank of America in XXXX 2. At that time there were no fees for the accounts I opened. They were very simple accounts. 
3. At some point, I remember XXXX - they changed my accounts to a higher level but it carried fees 4. I called them about those fees and they said do n't worry, you 'll be covered. 
5. I paid off my mortgage in XXXX. Checking my accounts I find they charged me repeated fees in XXXX, XXXX, and XXXX. 
7. I called Bank of America to get those fees reversed because their representatives had told me the fees would not occur anymore. Spoke with XXXX ( Rep, no employee ID ) and XXXX ( Manager, employee number XXXX ). They were unwilling to reverse the fees so I asked to speak to XXXX 's boss - XXXX. 
8. I closed my accounts with Bank of America because I feel it is dishonest to charge for reason of an upcharged account I never asked for to begin with.

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 2016-03-12 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: Wilber and Associates, P.C.
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I was contacted by Wilber and Associates regarding an accident I was in on XXXX/XXXX/XXXX and to call back with the case number XXXX. When I did I was connected to a woman who identified as XXXX who stated that I owed over {$7000.00} to XXXX XXXX as I was found at fault in the accident and I had no insurance. I informed her that this was incorrect, the accident was no fault, and, not only do I have insurance, I have full coverage insurance. At this point she became rude, yelling and refusing to let me talk, and stated that she will file with the state to have my license and registration suspended if I do n't pay. I again told her no, and that I would have my insurance contact them to verify what I had said. She continued to yell and tell me she was a lawyer and that they had already been to court to settle this and I missed the court date. At no time was I sent a summons and had received nothing in writing from this company, so I was unable to sent a letter disputing the validity of this debt as I had no address for them and was unable to find one. I contacted my insurance agency on the same day, and they stated that I had nothing to worry about, they were unable to suspend my license as I had full coverage and was not deemed to be at fault, that they would contact them and clear it up. On XXXX/XXXX/XXXX my insurance company stated that they refused to speak with them when they called. I heard nothing again until XXXX/XXXX/XXXX, at which time I received a letter in the mail stating that they sent a request on XXXX/XXXX/XXXX to XXXX to suspend my license. I called them at the number and they stated that my insurance told them they are not responsible for this money and therefore I am uninsured at the time of the accident. I told them this is not what my insurance had informed me, she said it 's going to go through no matter what I say. I told her that they need to speak with my insurance agency otherwise I will be calling back with a lawyer, at which time she hung up on me. I called my insurance back and they stated again that there is no debt I am obligated to pay in regards to the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Well, I called bank of America due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call bank of America customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my account.

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 2017-01-24 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: MA

Complaint narrative:
Hi CFPB -- here 's the letter I wrote to Navient this evening : XXXX XXXX 2017 To the Navient Advocate -- My ex-wife and I, before we were divorced, consolidated our student loans in a spousal consolidation program then offered by the government. 
We were told it would mean we pay a lower amount over the long-term. 
For whatever reason, my name was put first as the primary loan holder, so the combination of our XXXX student loan debts shows as over {$130000.00} in my name. Because of the consolidation, I do not qualify for any of the income-based repayment or forgiveness options available anywhere. 

There is no exit strategy for this -- no way of undoing the spousal consolidation, even though we are now divorced. I have spent my career for the last 16 years XXXX. My Navient payments keep going up and your staff offers no sufficient explanations for why this is. In a call on XXXX XXXX, 2017, I was told the loan would be paid off after XXXX payments at {$720.00} per payment. I received a notice in the mail today -- barely three weeks later -- that the loan would now be paid off after XXXX payments at {$740.00} -- an increase of nearly {$20.00} per month. 

I have been on the phone now with your service center, waiting for an answer, for over half an hour. Plenty of time to write this letter, a copy of which I will be sending to the Consumer Financial Protection Bureau ( CFPB ). 

Interestingly, the CFPB is suing Navient because the company : & gt ; created obstacles to repayment by providing bad information ; & gt ; processed payments incorrectly ; & gt ; failed to act when borrowers complained ; & gt ; illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; & gt ; deceived private student loan borrowers about requirements to release their co-signer from the loan ; and & gt ; harmed the credit of XXXX borrowers, including XXXX veterans I 've also read up on your CEO, and he fits the profile of the usual corporate crook, finding a way to maximize yield for investors through a business model that financially exploits middle class people who do not have expandable monthly budgets. I am one of those people. 

My first call tomorrow will be the Consumer Financial Protection Bureau to see what they can do for me. 

In the meantime, what solutions do you have to offer? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was told by General Revenue that I committing a crime by not paying this debt, this debt is from coming out early from XXXX University. This collection company said that I could be wage garnished/Bank levy/ or much worse. This company was not professional at all. I do not feel that it is right for a collection company to accuse and slam the consumer with how they are committing a crime. Everyone will one day go through hard times, but this company was rude and barely would let me talk to explain why the debt was in their office. I eventually paid it but I never heard nor got any documentation from them stating it was paid/closed. I requested it also but nothing at all.

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