vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I enrolled into University XXXX XX/XX/XXXX. When I enrolled, I was told that I would not be using my loan, until I got into my higher classes. I was enrolled from XX/XX/XXXX to XX/XX/XXXX. Unfortunately, I got into a major car accident XX/XX/XXXX, so I had to drop from my classes due to many XXXX and doctors ' appointments. When I called my advisor, to drop my classes they told me that there was a balance left on my account in the amount of XXXX, they said that it would be sent back to the lender. Which at that time was XXXX. So, I waited, and kept checking my federal student aid report, hoping to see that they received it back. When I talked to University XXXX they said that it might take a little while to get back to XXXX, because they had just sold the company to Navient. I kept waiting. I eventually got tired of waiting and calling with no answers. So, I called University XXXX again. The first time I talked to University XXXX about the loan not credited to my account, was on Tuesday, XX/XX/XXXX at XXXX am. They said to keep waiting and that they did send it back to Navient on XXXX, XXXX, XXXX, they said to wait a little bit longer. I never saw it get credited to my account. I called University XXXX back again, on Monday, XX/XX/XXXX at XXXX. They said they would sent me a copy of the funds return letter to show Navient that they sent it back to them on XXXX, XXXX, XXXX. They sent it to me. When I got the funds return letter, I called Navient on Tuesday, XX/XX/XXXX at XXXX. I talked to a lady named XXXX. I explained the situation to her, she put me on hold to look at my account because she was having trouble with my account, it kept giving her an error message. When she got back on the phone she gave me no information about the loan being returned. She just tried to get around it. It is now XX/XX/XXXX and I still have no answers on where the money is. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Bank of America on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Bank of America Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Bank of America. 

Sincerely, 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 monetary relief
Consumer complaint received 2016-09-28 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: STATE EMPLOYEES CREDIT UNION
State: OH

Complaint narrative:
North Carolina State Employees Credit Union I have banked there since 2001. 
Recently, I moved abroad and often need to transfer/wire funds to myself. 
I was told XXXX performs that function for them. 
Until recently, the wire charge for XXXX dollars. 
This year is was raised to XXXX dollars, which is a lot for a small account holder who needs to make regular transfers. 
That is almost a TRIPLED charge.

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 2017-01-19 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: NJ

Complaint narrative:
Not willing to work with me to reduced my monthly payment. I pay over {$600.00} a month. Most of which goes directly to interest not the principle. only a few dollars each month is applied to principle. My interest rates are outrageous and variable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My current private loan payment is too high ( around {$310.00} per month. Some loans as high as 11 % interest rate! ) and they will not let me go into a reduced rate repayment program because I have a co-signer who refuses to cooperate. Instead I have to attempt to make this payment that I can not make and they will not accept a smaller monthly payment.

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

Complaint narrative:
Navient made is difficult to schedule income-driven payment plans also did not disclose annual deadlines to renew

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
on sunday XXXX/XXXX/15 bank of america show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Bank of America using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Bank of America will not return my money.

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 2016-02-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you.

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 2016-08-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have submitted a police report number filed with the XXXX XXXX Police Department ( Report # XXXX ) as requested by the Collection Agency filing the inaccurate information with the Credit Agencies. I was given an email to send the police report information to and I received a read receipt confirming that Central Financial Control received it and read it. I was plainly informed that the false information would be removed from my credit report shortly after filing the Police Report. Yet I have waited for over 3 months with no change to my credit files.

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: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This is the second complaint I am entering for the same issue. 
I have attempted to call and repeated left messages with no response. 
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message. 
I received one phone call on XXXX acknowledging my complaint, and have not heard back since. 
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.

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 2016-02-12 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
CASE ID : Previous CFPB filed XXXX XXXX, 2013 case number is : # XXXX against the credit reporting agencies included correcting the BOA Credit Card Judgement issue. Current credit card report received yesterday from XXXX & XXXX show that BOA Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of BOA Credit Card Dept.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was contacted on XXXX XXXX, 2016 by XXXX XXXX ( or XXXX XXXX ) from XXXX XXXX. She told me that i should contact XXXX XXXX XXXX immediately or I will be served tomorrow. I called that agency immediately with that number XXXX. I spoke to a woman that asked for my reference number ( XXXX ) and transferred me to a lady name XXXX XXXX ( or XXXX ). This is the second time this company has contacted me. The first time was XXXX, 2016. They claim that they sent me letters in regards to this matter, which I never received. When I told that I never received them, she called me a liar. I asked for which court was this claim filed. She first said it was Superior Court in XXXX, XXXX. There is no such thing and I questioned that. But she continued to tell me that she meant Superior Court in XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX and the number of the court. I asked for the case number instead she gave me the same reference number. I specifically asked for the case number and she said I will receive all that information tomorrow when I get served. Anyway I looked up that same reference number in XXXX, XXXX, & XXXX and it does n't exist. There is no case that has been filed against me and according to my credit report my account is paid in full and closed. I am tired of the harassment. They keep calling my mother 's house and now they are calling my cell phone as a " Restricted '' call. I do not know why they are telling me that I have a debt because I do not.

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 2016-06-23 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Following up on an already disputed issue, one which my last inquiry got no response, I am amazed to find that I somehow have a credit card with Bank of America even though it was not usable after my accounts were closed. I had a small amount of credit and attempted to use it and it declined for the smallest of purchase after correspondence stating closure. I called the bank repeatedly and was hung up on several times and disconnected the other few. I am so tired of having to deal with this, I apologize for blaming this bank for not using due diligence in regards to the information I gave to the teller prior to his cashing of the check. I have documented response that my account ( s ) would be closed, the checking account was. How is it I am supposed to pay a credit card you will not allow me to use? This should have been noted, that in fact only the debit card/checking account was no longer in service. However the credit card is in fact not in service either and yet you expect payments? My name is XXXX XXXX, I 'm tired of getting hung up on and disconnected, I am very hopeful for the banks sake this has not go to collections as at that point I will have to escalate this further. How is it that I am unable to open any account through bank of America and all my accounts were closed, yet this remains. Please enlighten me.

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 2016-05-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
this is debt that have been fighting over this debit was suppose to charged to my insurance company once again I give the XXXX driver city of XXXX my insurance information and they did n't put the put the information in right and did n't put the right number in and did n't fell that is it my responsible to give to keep giving them my insurance information. it sad that all the hospital in XXXX can put the current insurance claim in. I do n't understand why it so hard to put the right information in right in the first place. an sick and tried of this company harassing for their mistakes. and what me to pay for their issues I did n't put the wrong number of information in their did that plus their XXXX drivers were very rude and being hateful I have a XXXX as well. I was born with XXXX and did n't like the way I was treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I opened a checking account with BOA under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.

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 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We took out a loan modification with Bank of American that was completed on XXXX/XXXX/2015. The loan documents should have been sent to the XXXX XXXX Recorders office in XXXX XXXX, NV on XXXX XXXX. They were not and have not been sent as of today 's date of XXXX XXXX, 2015. We have called Bank of American on numerous occasions each time speaking no less than XXXX hours while being passed from person to person and department to department. Each time we have been assured that the document was sent except for XXXX time being told it takes the recorders office XXXX days to record a document ... that is there standard pat answer. I both called and visited the Recorders office in person. They told me on XXXX occasions that it takes only XXXX days to record a document once it is received. The recorders office gave me a print out showing all documents that have been received and recorded on our property. The loan modification is not on the list! We spent XXXX hours speaking to Bank of American on Thursday and another hour today and nothing has been resolved. We are considering selling the home but no realtor will list the house until the recording of the loan mod is done. We do not feel that we should be required to make payments on a home that is not recorded in our name or that we should stop making payments which would have a negative impact on the credit we are trying to rebuild. In addition, BOA forced insurance on the property. The insurance they have only protects their interest in the loan balance and not our equity. We purchased a policy with the United States XXXX XXXX XXXX on XXXX XXXX, 2015 that protects the interest of XXXX parties. A copy was sent to BOA by the insurance company on XXXX XXXX, 2015, however, BOA has for XXXX months insisted that they did not receive it. So we are left paying for XXXX policies, XXXX from the escrow account and XXXX from our pockets. On Thursday they finally took the insurance information from me but have given me no proof that they actually put the information into the system. There is no reason for BOA to delay in sending the documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX XXXX HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP

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 2015-06-03 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: VA

Complaint narrative:
I am not able to meet my monthly payments due to me working part time. Navient refuses to understand my economical hardship.

Company response to consumer: Closed with explanation