vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-23 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 XXXX private loans with navient that they 're currently attempting to collect. My concern is with the aggressiveness and harassing manner that they are attempting to collect the debt. I have spoken with with navient in regards to my current financial situation and they are not compromising. They are very rude and have made multiple threats to myself and my mother over the phone in regards to not paying back the money borrowed. They have charged me $ XXXX/loan totaling {$100.00} in forbearance fees and for them to stop negatively reporting on my credit. I am expected to pay {$400.00} a month to them which I have already expressed that I can not afford. They have never requested pay stubs or any other financial information and have only told me based on the income I 've shared with them that I can afford to pay the loans back. I am growing very distressed about this situation as I have expressed on multiple occasions that I do want to pay the balance however can not afford the only repayment option that I have been given. They have been negatively reporting on my credit for months and I am now in fear that me not being able to pay this one option given is going to put me in a deeper financial bind that will take an extensive amount of time to repair. I understand that this is a debt that I have collected and it must be repaid however I feel that they have not done their due diligence and providing me options that fit my financial situation and can supply their need of repayment. I have been informed that navient has violated many lender laws in the past I strongly feel that the way that I have been treated is yet another case against them. I have a payment coming due in a couple of weeks that I know I will not be able to afford and I 'm in fear of the consequences yet my multiple cost to them to try and compromise or figure something else out have all proven unsuccessful. They are not only uncompromising but very rude and use personal opinion to factor in their way of helping you. More than this being a customer service concern this is something that it 's going to affect me financially and many years to come. I do feel like my rights are being violated and I am being harassed. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I refinanced my mortgage held by Bank of America, with another lender. B of A loan was paid off XXXX/XXXX/15. On XXXX/XXXX/15, knowing the loan was going to be paid off, I removed my authorization for automatic payments on the B of A mortgage. On XXXX/XXXX/15, they made an unauthorized withdrawl from my account for the already paid off loan. They told me it would be refunded ... in 10 days, along with my escrow balance. How nice of them, to steal from me and use my money for 10 days before returning it! THIS IS FRAUD AND SHOULD BE PUNISHABLE AS SUCH! They had no problem closing my account immediately, as I was no longer able to access my B of A mortgage account online as of XXXX, so I could not verify what other charges they put through. I 'll have to wait to see my final statement, in 10 days for that. Also, in the refi process, I was charged a {$30.00} fee for an 'expedited ' payoff balance 'expedited ' meaning via email ... if they paid postage to mail it, it would be free! Just more XXXX that should be regulated. I researched at the time, and their website said the payoff could be updated at no addional charge, and that they could not give a payoff balance to anyone without my approval ( well, this happened XXXX )!. The payoff balance apparently expired on XXXX, and I was charged an additional {$30.00} for the new lender to get another one. I called and was told there is a charge for each payoff balance processed. cost me {$60.00} for them to say what is owed, and then, they take an additional {$1600.00} of my money anyway, so the actual payoff total was meaningless!!! I am requesting a refund of {$60.00} pay off service charges for their fraud, and hope there is legal action that can be taken to prevent similar situations in the future. It wo n't happen to me, as I will never do business with Bank of America again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This is a complaint about the CFPB process. I submitted a claim against Bank of America XX/XX/XXXX, and was told I would receive a status update in 15 days. 
On the XXXX day, the " status update '' was that it would now be 60 days to hear anything back. 
Having talked to CFPB personnel by phone, I was told that companies are allowed to request up to 60 days time once the XXXX day has been reached. 
Did Bank of America request more time? What was the decision process to grant them more time? Is there any evidence they did anything on this complaint in the first 15 days?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: VA

Complaint narrative:
Pulled my credit reports and saw inaccurate information on them i then wrote the collector and told them the debt was not mines it was a chargeoff in which i havent had any buisness with this company the bill was suppose to be an XXXX bill who was the original creditor i informed them that it was unlawful for them to put inaccurate info on my credit report without my knowledge. i told them i do not consent and i can sue them under the FDCRA and to delete the inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I signed a Home Equity with Bank of America. In XXXX, I filed a bankruptcy and I had to give my copies of my documents to the Federal Court in XXXX XXXX. Bank of America sent me a letter that my plan would change according to the documents, but I do not have my copy because I handed it to the Federal Court. Bank of America first sent a fax and it was unreadable. I called Bank of America XXXX XXXX, XXXX asking for a document that I could be able to read and they sent me would, but without my signature. Without my signature I do n't have proof that it was the original document. I also called on XXXX and XXXX to request a readable paper with my signature. so far Bank of America has mailed me documents that are impossible to read. their phone number that I made contact with is XXXX. I would like to know what are my rights. Borrower : XXXX XXXX XXXX, XXXX : 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 2017-01-20 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: CO

Complaint narrative:
At one point, five years into my loan repayment under the PSLF, they suddenly changed my due date, which would 've required me to pay the loan twice in one month. Because I had the money taken directly out of my check, I did not realize this and ended up being put two months behind, thus kicking me out of the PSLF and I had to start from year one. 
Two years ago, I returned to school and was placed on forebearance. During the XXXX break, Navient advised the Dept of Education that I was no longer in school and I had to refill out forebearance paperwork, and also make two months worth of loan payments, with Navient saying I had already applied for two of three forebearances I 'm entitled to. The Dept of Education confirmed that Navient advised I had stopped attending school, even though my FASFA was current, and University XXXX showed me as a full time student.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a mailing in XX/XX/XXXX, 2015 from Bank or America ( my mortgage holder ) stating I owed them approximately {$1500.00}. My mortgage bill for that month had given me XXXX options ( 1. interest only, 2. prinicipal + interest, 3. prinicipal + interest for 15 year payoff ). I chose the interest only payment and paid that amount in full at the beginning of the month. 

I do not understand how they can then ask for more money mid- month. 

In XXXX, I paid the amount that includes prinicpal and interest. 

I received a bill for this coming month 's payment ( XXXX, 2015 ). It states that I owe {$12000.00} for my payment. This amount includes principal + interest for XXXX ( {$5400.00} ), as well as {$930.00} for current period fees and charges AND {$5600.00} for overdue payments, fees and charges. 

The payment I made in XXXX ( {$4100.00} ) is being held separately as " unapplied funds ''. 

I have spoken to BofA on multiple occasions, had my loan " escalated '' XXXX different times. I 've also been told once that the billing mistake in XXXX was to be taken care of and that they would accept my interest only payment in XXXX as payment in full for that month. 

However, I have still been receiving collections calls and billing statements that do not show that the corrections have been implemented. 

The last time I spoke with someone from BofA, was the third time it was being " escalated '' since late XXXX. I was told I would be called back the following day with a resolution. I have not been called back since. That was over a week ago now. 

I have spoken to numerous different people at BofA and have yet to receive any resolution or explanation of what is going on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Failure to help with issues regarding a foreign currency wire transfer from family I 'm a XXXX dad and have been with Bank of America for about 10 years, receiving foreign wire transfer from family abroad on a monthly basis. My dad sent money for the Holidays ( on XXXX ) which was not received on the account after more than a week ; I reached out to BofA on XXXX where an agent told me compliance reviewed the issue and I would get the money within a day ; called back on XXXX after no receiving it and being told that compliance would reach out to me with questions. I called on Tuesday XXXX where an agent promised to reach compliance to find out what questions they needed - I got a call back from the same agent who collected some information and promised the issue was no resolved. The agent also said that compliance had noted an email sent to me on XXXX, however I could not find it in my inbox, spam folder, or deleted messages folder. On the next day ( XXXX ) I called again and was told that the compliance department still needed information - but was n't told what information, or how to provide it. After asking several times for contact information I was told that the compliance department had " no phone number '' and could only be contacted via email - but only internally. I was then transferred to a different department where an agent told me the whole process of reviewing the transfer had n't even started - and then transferred me once again back to the original department where an agent told me there was no way they could help me. I called again on Thursday, XXXX where an agent at first told me that " compliance needed information '' but that she had no way of finding out what it was. After I told her I had provided information on Tuesday she told me that " in that case they are probably reviewing that information '' but that there was no timeframe for releasing the money. I was once again told there was no way to contact anyone directly, and that the only thing she could do was request a call be made to me ( which XXXX other agents did before as well ). As a XXXX dad I depend on financial support from my family in XXXX ; because of this issue I am already late on a mortgage, and through the whole process I have not been able to talk to anyone in the department actually in charge of the problem. 

As of XXXX, almost 3 weeks after the transfer was initiated, I still have not received the money and no one from B of A has contacted me ( despite promises to cLl back within 24-48 hours given on XXXX, XXXX, and 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 monetary relief
Consumer complaint received 2017-01-27 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: MO

Complaint narrative:
I filed bankruptcy which stopped payments on my loans for 5 years. I was not informed that they would still incur interest during that time. My loans have tripled and when I applied for income driven repayment I was denied. I am a retried veteran and receive {$1200.00} a month for retirement pay. A {$270.00} loan payment is just not doable at this time.

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: MD

Complaint narrative:
In XX/XX/XXXX I attended college and with the help of my sister who cosigned for me, I was granted a loan for {$1100.00}. During the XX/XX/XXXX I completed an internship and this is when the harassing phone calls began. In the XX/XX/XXXX I was not working nor was I in school. I informed XXXX/Navient that I was unemployed and not in school, but they still harassed me and insisted that I pay. In XX/XX/XXXX I went back to school ( and informed them that I was in school but that did not stop them from continuing to harass me with the phone calls demanding payment. I had a struggle with attending school due to financial issues. I finally graduated in XX/XX/XXXX and they were not willing to lower my payments, nor offer the deferment, nor the forbearance. To this day they have been harassing and threatening me for payment. I informed them that I was only working as a waitress and could not afford those high payments. They literally had me in tears with the threats and harassing and unwillingness to assist me with the above. They told me that I had to give them my bank information for the high payments regardless if I could afford them or not. I felt as if I had no choice, even though I knew and told them that I would not have the money. This has resulted in late payments, which I never agreed to make, and in the process, has caused me to have delinquent payments on my credit ( and the credit of my cosigner - which they have been harassing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America is refusing to have an in-person meeting pursuant to XXXX XXXX to which XXXX XXXX is entitled. Additionally, Bank of America has failed to accurate report XXXX XXXX 's payments to the credit reporting agencies. Bank of America has misapplied or failed to applied XXXX XXXX 's monthly payments accurately and is therefore causing XXXX XXXX 's account to be wrongfully in default and has wrongfully initiated a foreclosure when the account is not in defaulted status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Continuing from previous complaint I filed with the CFPB, Bank of America has still not resolved the issue I have with the mortgage modification they started from XXXX XXXX and now I have been informed that I no longer qualify for a modification and have been put into Foreclosure. In XXXX XXXX I was informed by BoA that I completed the mortgage modification requirements and met all of their payment requirements ( 4 months of trial mortgage payments XXXX. I submitted the paperwork as instructed and waited for the closing paperwork to complete the process. The paperwork never came and no phone call from BoA. I waited two weeks then I called BoA to find out what was happening. They informed me on XXXX XXXX, XXXX that the paperwork was rejected by their document quality control department and now since the paperwork was now late the whole modification was rejected. They would not accept my modification. I called their Appeal Dept and filed an appeal. I was informed XXXX XXXX, XXXX that my appeal was denied without explanation. The very next day I receive a packet in the mail from BoA containing a new application for a modification. I filled it out again, followed the instructions again, had XXXX XXXX come to my home AGAIN and notarize all the paperwork and submit the new application request. I have since called 4 times to get XXXX XXXX to call me back on my cell phone and he has not returned my call so I can not get any answers about paying my mortgage, which is late again, or information on my new application for modification. I am making every reasonable effort to do as BoA asks and every time I follow instructions or submit paperwork, BoA finds a way to find fault with something and reject the request. I just want to pay my mortgage every month without having to XXXX someone down on the phone to make the payment. I want the modification process to be finished and my new modification be accepted.

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 2016-05-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I became aware of several charges on a Bank of America card. I contacted Bank of America asking them to validate the debt. They did not respond. Account was removed from my credit reports. Bank of America still reported the debt to the IRS.

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 2015-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I had a home that foreclosed in 2010. I had XXXX mortgages, the XXXX being a Home Equity Line of Credit through Bank of America. The primary mortgage was reported correctly to the Credit Bureau as " Foreclosed '' while the XXXX loan was reported as " suspended '' which keeps me from being approved for a home loan now. I called Bank of America and spent over XXXX hours and talked to over XXXX people. Each person told me the same thing ; that my HELOC has been " charged off '' meaning I no longer owe them money because of the foreclosure. However, each person stated that they did not have access to or the authority to provide or produce any kind of document to prove that this account was charged off. I was referred to XXXX " specialists '' who each stated that they could help me and would fax me or call me back. I have not heard from either XXXX, they do not answer their phones, they do not return phone calls. I was hung up on several times. I was even told that it was Bank of America 's error in not reporting correctly to the Credit Bureau but they still have been unable to provide me any assistance in providing this account is settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-20 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: TN

Complaint narrative:
I have tried to file a waste/fraud/abuse complaint with the Department of Education Inspector General and was referred here ( email attached ). 

I have been working with the Ombudsman 's Office since XXXX 2015 ( Case # XXXX ) to try and resolve issues with my account serviced by Navient. This has resulted in Navient making numerous changes to my account that typically cause further problems that need to be addressed. These " mistakes '' and " errors '' on their part always seem to result in paying more money towards my loan in the long term or sending in additional payments just to get Navient to look at my complaint. 

Navient has issued documents regarding these changes and they have sent copies of these documents in a timely manner to the Ombudsman 's Office. They have told my case worker that they are also sending me these documents, but I do n't think they 're actually being sent ; they 've supposedly been sent several times through email and traditional paper mail, but never arrive. I have verified my contact info with Navient, so I know they have my correct email and physical address. 

I am concerned because this latest " mistake '' on their part involved over {$4000.00} of interest being shown on my account that does n't belong there. I believe they are deliberately withholding documentation of changes being made to my account because it shows egregious and possibly fraudulent activity on their part. 

I am tired of being shuffled from agency to agency, with everyone who accepts a complaint either telling me it 's not in their jurisdictional authority or that they simply can not help. I have begun writing the offices of my elected officials to inform them of my being shuffled around by different agencies and of the abusive behavior received on the part of Navient, a federal contractor.

Company response to consumer: Closed with explanation