vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Been paying monthly and submitted proof to Navient and still receiving harassing letters threatening to send me to collections, which they have been continually doing regardless of my payment history. As of yesterday I tried to call to get an explanation only to be given the runaround, put on hold for long periods of time, and ultimately hung up on. Navient allegedly increased the amount of my monthly payment but I never received any notification regarding this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My original lender is XXXX. Countrywide Home Loans was my servicer. After XXXX declared bankruptcy, my loan was never legally transferred or sold. In or around 2011 Bank of America ordered the preparation of an Assignment from XXXX AS LENDER, transferring my loan to them. Now Bank of America claims to be my lender. The transfer violates common law agency, assignment laws and is clearly fraudulent. 
Please review assignment and determine whether or not transfer was legal. I believe I own my home free and clear,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Bank of America from a Venmo payment that was withdrawn one day prior. I called Bank of America customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Bank of America had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.

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 2017-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Diligently making my mortgage payments for the life of the loan, on XX/XX/2017, I was unable to make the final payment, due XX/XX/2017, for the {$720.00} balance due. Unable to make the payment on-line at the BOA web site, I went to the local branch in XXXX, where I live, presented the XX/XX/2017, monthly payment coupon and check for the {$720.00} balance due to Teller " XXXX '', who was unable to accept my payment due to a " computer error ''. Teller " XXXX '' then contacted BOA Relationship Manager, XXXX, to request assistance. XXXX was also unable to accept my {$720.00} balance due payment to pay the outstanding mortgage in full. 

Additionally, though the web site notes a charge of {$6.00} for making an on-line payment 10 days or more past the due date, my attempt to make the payment due on XX/XX/2017 on XX/XX/2017, noted a charge of {$6.00} to make that on-line payment the day that it is due. While that was clearly a glitch, the important concern is ; why should Bank of America be allowed to charge an additional {$6.00} fee to make an on-line payment when there is already a provision to charge a late fee for payments made greater than 16 days past the payment due date. Seems lie Bank of America is pyramiding an unjustified charge of {$6.00} for the privilege of making one 's monthly mortgage payment on line before a standard late charge would kick in as in their standard mortgage contract.

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 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Bank of America at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
I cancelled my XXXX service and a technician came to my home on XXXX XXXX, 2016 to retrieve the equipment. The technician disconnected my service and took payment of the final bill of {$81.00} by credit card at my home. 

My credit card was charged for the payment at which time XXXX reinstated my service in error. I did not have equipment to operate service and was led to believe the service was cancelled. I was not told to take any further action by XXXX. 

I contacted XXXX customer service on XXXX/XXXX/16 and was told the equipment return date was not entered into the system. I should not be forced to pay for an error in the XXXX disconnect process. 

I am disputing the charges sent to CBE Group as they are for services not rendered by XXXX. 

I communicated the information to CBE Group and was told to pay the bill to in order to avoid any further inconvenience. 

I can not be forced to pay for services which were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
My account has been on autopay, withdrawing {$58.00} every month on the XXXX. On XXXX/XXXX/16 my bank account had a withdrawal of {$790.00}. I did not receive any notification that the amount would be increased. My loan servicer is Navient. 

Not only was this a major surprise, as I am on an income contingent repayment plan, but this happened 2 days before XXXX ... leaving me no way of contacting my bank to dispute the charge or Navient because they are closed for the holiday until the XXXX. Luckily I had the money in my account, but it left me with {$1.00} to survive on for two weeks until my next paycheck comes in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: TX

Complaint narrative:
Navient did not assist with my loans my principal has gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I deposited a check in the amount of {$4500.00} on XX/XX/XXXX. The receipt from the atm said my deposit would be available on XX/XX/XXXX. I go a letter in the mail from Bank of America on XX/XX/XXXX which is dated XX/XX/XXXX saying the available date was changed to XX/XX/XXXX and the reason is " a hold was placced on your check because check specific information indicates item may be returned ''. I contacted the bank on XX/XX/XXXX several times to find out what information did they receive that told them the check may be returned and could not get an answer. I called the issuing agency and confirmed the check cleared their bank XXXX on XX/XX/XXXX. So there is no explainable reason for my funds to be held for an extended time past the date originally quoted to me. I demanded to speak to the " risk department '' who put the hold on the funds and could not speak to anyone. spoke to several people claiming to be supervisors who told me there is nothing that can be done. They contacted the other department and my request for release was denied. I the funds were given to me for the sale of my home. this was not a personal check deposit. I also have approximately {$3500.00} a month direct deposited to this account. there is abosolutely no viable reason why they are holding money from me that they already received. I demand immediate refund of my money and interest payments that I have to pay for late payments on other obligations because my funds are not available. I also would like any overdraft fees that I may incur for this unjustified hold.

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 2017-03-19 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: WV

Complaint narrative:
My husband had a parent plus loan in his name that we took out for our oldest daughter. We began paying it back and then we filed a Chapter XXXX bankruptsy in XX/XX/XXXX and paid off the chapter XXXX in XX/XX/XXXX and it was discharged. The trustee handling our bankruptsy paid off our loan to the Dept. of Education to an address in XXXX Texas. But 7 months later we received a bill stating we still owed on the loan. I contacted our lawyer and he forwarded to us all the payments the trustee made to the Dept of Ed. I then sent it on to Navient. They took several days and sent back what they had. The records do n't match. They do n't have listed even half the payments made so I sent our records again. They still have not fixed this. Our loan was for XXXX and at the time the trustee took over we owed {$3800.00} and she paid back to the Dept. of Education over {$4900.00} -- - {$3800.00} in principal and over {$1000.00} in interest.. this does not count what I already paid in principal and interest before she took over. How can we resolve this??? We have since been able to have this loan put on hold because my husband was approved for XXXX but in reality we do n't owe anything and would actually be entitled to a refund of all the payments we made on this loan after he became XXXX. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: MA

Complaint narrative:
Went to XXXX XXXX that was sued and mislead Students in their education that is considered a non credited institute with most major colleges, university or unable to locate empleoyment and now currently was shut down and close. Now trying to repay the loan that is no longer valid and since is a private loan with high interest the load hardly goes down and also dealing with federal loans as well

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 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:
my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.

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 2017-01-26 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: OH

Complaint narrative:
Navient/XXXX has made it virtually impossible to repay the principal of my loans. I have XXXX loans currently held by this company. I consolidated my federal loans with XXXX in XX/XX/XXXX. Since that time, my loans entered into a period of economic deferment and forebearance. The interest was capitalized and when those periods ended, the loans were repaid on time, every time. I had XXXX issue which led me to call Navient ; I was curious as to why my principal was not decreasing at all. I was told that I was paying late, which was untrue, statements prove it, but was told that if I was not paying XXXX days before the due date the payments were considered late. In addition, when I asked why Navient did not have an amortization schedule ( why was n't a portion of my monthly payment going toward principal and fees/interest ), I was told they always apply the payment to interest and fees first. No exceptions. This is in complete disregard to some of the information on their website. Essentially, in past years I have paid over {$700.00} per month to Navient and was lucky if {$11.00} went toward principal. I will freely share this information if requested. To highlight the problem, I originally got a consolidation loan for over {$37000.00} over XXXX years ago. I have been repaying on time ( excluding economic deferment and forebearance periods ) and yet, after all this time, I now owe over {$38000.00} in principal. This is XXXX of XXXX loans of similar size. I understand that interest gets capitalized, but these numbers seem a bit off and whenever I have called to discuss these matters, I have either been told I need to go into default or just treated like a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I went into the lobby of the Bank of America in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been living in a nightmare that just does not seem to end.My nightmare started in 2009 when Bank of America foreclosed on me.Since then I have tried to work out a FAIR way to keep my home.Modifications were offered to me but never in the time frame that laws specify.I was never allowed to question parts of the modifications.I was only given a couple of days to make the payment.This has been the tactic that Bank of America has used on me they have dragged out this ordeal so my back payments are enormous.I was given XXXX dollars by save the dream and they refused it. 
Recently a mortgage XXXX found out that when they foreclosed on me they did not have the note.Bank of America had no authority to foreclose on me.It is so hard and emotional to try to explain everything that happened to me at the hands of Bank of America.Something has to be done to change this type of behavior by a mortgage lender.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I came into Bank of America to get my pin number changed for my debit card.I was told about a balance transfer of my other cards at another bank. I was told this, thinking it would happen in XXXX session at that moment with the teller. Instead the teller had me click XXXX boxes on a screen as my signature and then told me I had to wait 2 hours on XXXX to get word from me having to call XXXX or wait a day to see what rate of credit I would get later. If XXXX XXXX had told me this would not be determined and I could not get this done at that moment I would have not done this precheck or application click. 
i still am not sure what the transaction or action of the clicks exactly did at the XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX office did. I was only given general policy and credit rate information. Nothing was given to me noting the date. Nothing was told to me of a prior date. I had no written record of the meeting accept my in bank pin change that occured. I even told her I had a freeze on my accont and I have not lifted it for that meeting, unless someone else did without me being aware of it. I would like a letter or record of the event sent to me. This place is strange. once a Teller named XXXX had me sign paper for a pen change months ago, and the top part said one thing and the bottom said another. Hopefully this branch is not doing a XXXX move and creating accounts without letting customers be aware of it. I am going to cancel the card when I get word of its number or anything to identify the meeting at all, other than the pen change. Which was the reason I came in to see the given to me fellow named XXXX too. At least XXXX walked me out to a teller to show me if I needed to change my pin in the future an new the old number I could use a teller. I think transactions should be explained in terms of timelines better in the future, like this can be done now in so many minutes or the process takes days or weeks or months all together. What if the person is going out of town or something.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 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: CT

Complaint narrative:
My Student loan originally was a Loan, Navient took over the loan and now is a credit line and all my payments went to pay interest. I never signed for this change.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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: NY

Complaint narrative:
My loan provider, Navient, formally XXXX, would not work with me on repayment options. I was not given options in terms of repayment based on my income and family obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank sent me a XXXX Cancellation of debt. They forgave my debt but still wanted me to make payments on that account. My property was not foreclosed or sold. I sent letters and have made many calls but I have not received a response. The bank then sold or transferred my loan to another bank. I have not made payment on this loan since XXXX 2014 and now they want to foreclose on my property. I just do n't see it fair since they took a tax break and I had to report the XXXX on my taxes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been getting up to XXXX or more phonecalls from Navient a day, mostly recordings, for the past week to 10 days. Some calls are before XXXX & some are after XXXX. I am a co-signer on my son 's student loans but he has been making the payments faithfully since he graduated in 2011 with an occasional late payment due to lack of sufficient income at the time. Right now his income is minimal & he is in between paychecks, but he always eventually will pay what he owes. They start calling almost the day after the payment 's due date if it has n't been made on time. They also call my cell phone & my son 's cell phone almost as many times making it 10+ times a day they are calling. I 've received no written correspondence from them, just repeated phonecalls & I consider this harassment.

Company response to consumer: Closed with explanation