vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I ordered an electric fireplace from Ginny '' s credit card. The product was defective and was retreturned and I requested my account to be refunded for payments made and credited for the defective product. 
I telephoned Ginny '' s credit department and was told that they will not refund they {$75.00} payments that were paid in XXXX XXXX, 2015 and they will hold they XXXX that I paid in XXXX for XXXX says. 
This appears to be predatory practices and theft by taking, as I have returned all products that belong to Ginny '' s due to manufacture defect, but they refuse to return my money. 
I am XXXX and XXXX and need help with this issue because Ginny '' s transferred me to there different people in different departments, all to no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-14 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: GA

Complaint narrative:
In order to attend XXXX University for the 2 years I did, I was subject to using XXXX XXXX loans to cover the costs of attending XXXX. My loans are up to {$81000.00} from over {$100000.00} because of military reasons. They are currently forcing me to pay them {$880.00} PER MONTH, which take a whole paycheck every month. I do not know who Navient is, but it seems that now I must pay through them at this time, due to some unknown transfers of loans before a certain period of time. I still feel they are blatantly stealing money from me and others, plus forcing people who get paid under minimum wage to pay nearly {$900.00} per month is completely absurd. The company also told me, in the last forbearance conversation, that there are a limited number of times I can postpone my payments, and I am on my last one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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:
Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.

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 2017-01-19 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: OH

Complaint narrative:
I had filed bankruptcy XX/XX/XXXX I was thinking I had gotten XXXX XXXX loan discharged due to XXXX issues. I had XXXX in medical bills. I was on XXXX XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a call about the student loan from XXXX XXXX and was told to settle I could pay half of what I owed or close. I was struggling financially. The collection agent told me I could make payments XXXX I think every 2 weeks then monthly I believe through XX/XX/XXXX. I made arrangements after 2nd payment I knew this wasnt feasible as I have kids to and prescriptions. I called back as tp decrease extend payment. This occured XX/XX/XXXX through XX/XX/XXXX automatically. Never heard from them again until XX/XX/XXXX I guess when my debit card changed they didnt get 3 last payments no one notified me and now say I owe entire amount again payments didnt count. This is stressful burden and Ive talked to collection agency and naviant no one understands and says I still owe. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 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: FL

Complaint narrative:
Received more than XXXX overdraft fee in XXXX day for different transactions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I originally got my mortgage through Countrywide which then became owned by Bank of America. I was downsized for a time during the collapse of XXXX and Bank of America sent me a modification agreement adding excessive fees that put me {$16000.00} backwards on what I owed on my house without a clear explanation and added four years to the length of time my mortgage would be paid. They never even sent anyone to the house to look at it the property, but I know they billed us for that. I would like to know if my original mortgage was legal, if Bank of America has a copy of that note, as well as if a reduction of principle balance is possible because they overcharged me. It also appears that they 're reporting my credit history with XXXX 30 day lates and XXXX 90 day lates in recent months when I have not missed a payment since XXXX. We 've been making biweekly payments since XXXX and it does n't appear that they 've been applying as much money to principle as they should be.

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 2016-12-02 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:
We received a letter out of the blue stating that Bank of America was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Bank of America. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. Thank 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 2016-07-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Total Card, Inc.
State: CA

Complaint narrative:
Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''

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: SC

Complaint narrative:
Navient is unable to provide fair payment plans I have been charged as high 15 % interest rates on my private loans. 
I have paid XXXX in interest and my principal has gone up each year now exceeding over XXXX I would like the same fair repayment plans as the federal government or at least the opportunity to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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:
My husband had back XXXX and was out of work for 8 months then was working part-time for 5 months. I am a mother of XXXX and alone I make {$35000.00} per year. I explained this to Navient that I would n't be able to pay my $ 300 monthly payment and asked for it to be deferred or lowered until he was working full-time. Navient took all my income information and decided that i could afford the {$300.00} payment. They did n't consider any of my monthly expenses besides other student loan payments. I regret getting a loan with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I transferred money to my friend ( A ) using Bank of America mobile banking. I put in phone number and full name when I submitted a transfer. My friend ( A ) thought his phone number was registered with BOA mobile banking because the banking center told him he could use him number for mobile banking when he was opening his account. Also, he got text messages confirming the transfer and that his account would be credited. However, the money did n't go into his account but went into different person 's ( C ) account because that person 's account was registered with that phone number. So I explained to BOA about the case and they said they would start the investigation. They told me that they have to get a verbal authorization from the person who has the money ( C ) in order to take money and give it to me. However, they told me that they had to deny my case because they could not contact the person who has the money ( C ). They said they could only contact them via phone, but that phone number is now owned by my friend ( A ) so every time they called, my friend answered the phone. I asked BOA if they could send the person who has the money ( C ) an email or actual mail asking him/her to give the bank a call about the case, but the bank refused to do so. They said they can not do that. They said I have to take a legal action in order for them to release other information such as address or email address of the person who has the money ( C ). I complained about the fact that the money went into a different person 's account even though I entered the name of the person I intended to send money to ( A ) ; however, the bank said that they only use the phone number to match the account and the name is only for my reference. As of now, the bank is not cooperating to contact the person who has the money. There is no way for me to contact that person because I do n't know anything about the person besides the fact that his/her old phone number is registered with the account so my money went into his/hers.

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 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am a customer with Bank of America since XX/XX/XXXX. 

All the following checks are from my credit union account to my Bank of America account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Bank of America, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Bank of America on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Bank of America has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Bank of America, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

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 non-monetary relief
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America Refinance Home Mortgage sent me low rate refinance home mortgage notice by mail. 
So I applied and provided everything what they need for qualifying of me to get low rate refinancing. 
But he sent me following Email and want pay appraisal fee. 
" XXXX XXXX, I tried to call you about could not get through. I have tried this several ways, and there is not a way I can get you approved because of the debt to income being too high. 
The last thing I would want you to do is pay for an appraisal if we can not get you approved. 
Wish I had better news for you, I wish you guys the best of luck here. 
Regards, '' I have a good enough my credit and income for qualifying the loan. 
I do not understand why they refusing to approve my refinancing. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A bank account was opened in my name over 10 years ago at Bank of America. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.

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 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Note : this issue relates to an active offer to purchase a short sale property. 
1. A townhouse XXXX XXXX XXXX, # XXXX was listed for sale in XXXX 2016. We made an offer for {$400000.00} for this property through a realtor and was accepted by the seller in XXXX 2016. 
2. We understood then that this property was a short sale and required approval from the bank. According to the realtor, public records indicate the mortgage was taken by the seller through Bank of America. 
3. Since XXXX the bank has been going through its approval process. 
4. During the process they requested loan approval letters and financial documents three times from us. 
5. We were told by our realtor the final hurdle was a BPO for the property to be conducted by the bank. 
6. Per your communication the BPO was calculated to be {$410000.00}. 
7. The realtor then informed us that the bank wanted additional {$10000.00} from the seller in order to close the deal. 
8. We informed our realtor verbally that we were willing to increase our offer to match BPO amount making our offer {$410000.00}. 
9. Two days later in a phone call to our realtor, the realtor mentioned that the bank wanted an additional {$40000.00} without any explanation as to the reason for the increase. 
10. On hearing this increase, we requested a formal response or explanation for this increase as it was way above the assessed value/BPO ( conducted by the bank ) of {$410000.00}. 
11. We were not given a response. Our realtor suggested we cancel the transaction as 'there is nothing else we can do '. We do not understand why we are being requested to cancel or withdraw the transaction since we are interested in the property. We do not understand the increase in the amount from {$410000.00} ( BPO amount ) by another {$40000.00}. 
12. We suspect there is a foreclosure/short sale scam going on in the sale of this property. We have not been given an explanation from the bank or sellers agent as to the status of our offer that was previously accepted by seller and is the same as the bank assessed value of this property. 
13.We would lrequest CFPB to look into the short sale status of this property and help us understand if what the bank is doing is legal or if there is a foreclosure scam preventing us from getting this property.

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 2016-05-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
After my bankruptcy this loan was was the only one I could not bring back to a current status and I 've been working with a third party agency via XXXX XXXX/Navient making payments each month. I 've been in an arrangement for over 2 yrs making on time payments. I received a call today threatening to take me to court for this loan. The caller would not mail me anything and informed me if I would n't work with him by phone they 'd just do what they have to do. I explained to him I have a payment book that this is set up with monthly auto debits and I am on my job and I did n't have the information readily available. I asked could he email me or send me anything in writing he said no. He said many people said they were working with XXXX like me and loans must have been pulled from them. Why must the call become hostile or threatening because I asked for something in writing? The phone number was XXXX for all I know it could be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Integrated Recovery Services
State: CA

Complaint narrative:
Debt collector going by the name of " Integrated Services '' threatened actions that they are not legally able to take. I asked them for their address and they became evasive in flagrant violation of the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: NY

Complaint narrative:
My original loan was for XXXX of the total I owe on my loan at this time. I was always told if I can not afford to pay to put my loan in forbearance not realizing that all interest would be tacked on to the end of my loan and I would be stuck with 3 times the balance. I called multiple times to find out about how to reduce my payments and was never led in the right direction other than to forbear. I was not making a lot of money and could not afford to pay when my balance was XXXX and approximately one year ago I began to make more money and called to get the ball rolling on repaying my loans to find out that I owe XXXX and can only afford to make interest only payments even with my higher earnings. I requested a loan forgiveness but I am told I do not qualify, I asked if I could come to an agreement with them and pay a lump sum to them to clear the debt but they do not offer any such payoff types. I have a family of XXXX including myself and my wife and this added huge debt that occurred over years of being told to forbear my loan and has now created a never ending payment that even into my retirement years ( if I can ever retire ) I will still be paying a huge monthly bill for these loans. I borrowed maney for college not realizing that I would work for my entire life to repay them and can now find no help from my service provider Navient.

Company response to consumer: Closed with explanation