vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was charged interest on my Visa credit card by the Bank of America on money I had already paid them back.

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 2017-01-20 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: MA

Complaint narrative:
After I graduated from XXXX school in 2013 I was told to put my loans into forbearance because I was sick and unable to work. The problem with this option was that I was never told that the interest was accruing the whole time leaving me with a huge loan that I am now trying to pay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: CO

Complaint narrative:
Navient agreed to enroll me in their rate reduction plan for one year so I could afford to start paying these loans back after I got out of bankruptcy. After the year was up they denied me to be able to re-enroll because they said I had taken out new credit. I had to buy a new car to get to work and refinanced my house and the motorcycle my husband uses to get to work to lower those payments in order to compensate for the new debt. We have to have reliable transportation in order to work. When I was first enrolled in the program they did not tell me that obtaining any new credit would disqualify me from re-enrolling in the program. I also was not told that {$29000.00} in interest would be added to my account in exchange for being enrolled in the rate reduction plan. My payments were {$910.00} per month. So in XXXX payments totaled {$10000.00} but {$29000.00} was added just so I could participate. That does n't make any sense. I certainly did n't save anything with this plan like they said I would. It would have taken me almost three years of making those payments just to make up the amount they added for me to participate. This was not told to me at the time I enrolled in the program. They also will not stop automatically taking the payment out of my bank account even though they denied me to re-enroll in the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I lost my debit card and someone made some transactions that was no me and with the bank close my account and im desputing those charges and with i want tham to take that off my record

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 2016-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not trying to help me get the paperwork done so that I can get the fha loan modification in my name only, they expect me to get a modification with the co Barrower.! no Disclosure statement, they have had the Special Waranity Deed from my divorce attorney sence 2012. They also had the Divorce Decree, letter from the court, ,letter from the co- Barrower, Chapter XXXX Discharge papers, proof of The Barrowers Protection Plan insurance from BOA when I got the mortgage loan, and the personal protection order /restraining order against the co Barrower.

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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My loan provider is Navient. All this mess started in the spring of 2015. I tried to call Navient to get my monthly payments moved down from {$680.00} to something more reasonable. To my surprise I was told by a employee at Navient that " I know it does n't make sense but you have to pay that amount and we can not do anything else. '' I then wrote the CFPB and magically the payments dropped to {$370.00}. I was fine with this and made the payment. Here is where the frustration and stress came back. Not one month later it jumped to {$460.00}. Still not as bad but not what I was told. I emailed my " contact '' at Navient XXXX XXXX. I stated to him the payment was not right and on XXXX/XXXX/2015 he said he made the needed corrections and my payment would only be {$420.00}. Still not want I needed but I took it for then. Since then my payment has steadily gone up month over month to where the last payment was {$470.00}. I do not know what to do and have already started the process of getting a lawyer as I can not make this astronomical payments in the hopes of help, then when I look at how much is going to the principal is only {$110.00} one month and {$17.00} the next. Out of {$470.00} only {$17.00} goes toward my principal??? I do not know to do and I have already tried to resolve the issue. I do not have a problem paying back loans but this is ridiculous and is causing unneeded XXXX and XXXX thinking about how I am never getting out of this debt from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Our house was foreclosed on in XXXX, 2009. There was no deficiency on the XXXX trust ( there may have been an overage ). There was a HELOC on the property. It does not show up on a title search. We have been contacted by attorneys claiming to represent the BoA. One of osur credit report shows this debt has been sold. It is showing as fully due on our credit report even though XXXX attorneys have told us that this debt is no longer collectible thru the courts in Virginia. We recently applied for a mortgage and even the loan officer can not explain how this is being represented on our credit report and suggested that we contact you because she ca n't even figure out who we should contact to get it updated to reflect the actual situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This debt is inaccurate. I never received notification of this debt. Ihad XXXX with a deductible which was met for the year and afterwards insurance paid XXXX %. I never received bill for this debt, call or notice. I have requested many times for a detailed bill of services rendered and account bill with no response and no information received, ever. I have asked this debt from all credit reporting agencies to be removed due to failure to show accountability and it remains on my report. Thus i will not pay this debt and will continue to refuse and dispute this account because my account payment history as shows is XXXX % on debts i owe not ones i never received notification or acceptance on sevond and third party billers who falsely report negative medical bills on consumers who are more than adequately covered by insurance. My insurance company still doesnt knowwhat this charge is as well. 
I want this removedfrom my credit.

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 2016-09-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. 
My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...

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 2017-02-22 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: VA

Complaint narrative:
I currently have around XXXX in debt. I have both federal and non federal student loans. I have tried multiple times to contact Navient because the payment options were just to high for me. I am currently making payments however those payments are only interest and that 's {$750.00} a month no including payments i cant afford that are under forbearance which will soon be ending. I will never be able to pay the actual loan itself with the interest rates the way they are. Navient claims to offer tons of ways for them to help you lower your payments or to try and find something that works for you but as I/ve noticed they really do n't care and are totally fine with the idea that i will continue to pay {$750.00} a month and not see a dent ever in the actual amount I owe. I have had deferments and forbearance 's in the past which I am no longer even allowed or offered with the private loans but when it was offered the representatives at Navient were always quick to offer one of those options instead of just finding out what I could afford to pay. Its all or nothing with them which makes it very difficult for someone who 's middle class. The school I attended for college is now shut down and from my experience with others that attended this school all of whom are drowning in debt from going to school there. The financial aid department there was a joke and was never clear about anything. I believe tons of students there got into way more then they agreed upon and will not be paying for the rest of their life. I think that there should be more help for people like myself that are TRYING to make payments and want to get it resolved versus doing nothing. The school name was The XXXX located in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been making {$1300.00} payments on my loan for over a year now. my monthly payment is {$610.00} the additional money is supposed to be applied to the principal balance. This month they have changed that and they are making my payment for 2 months and are leaving {$66.00} in a partial payment acct. Now they are saying I do n't have a payment due till XXXX. This creative application of my payment is costing me double interest. if my payment was applied as it normally is my balance right now would be {$43000.00} with my next payment being due on XXXX XXXX instead my balance is XXXX XXXX a partial payment of {$66.00} and my next payment being due on XXXX XXXX. This is a {$440.00} in the banks favor, and if it continues it will be adding months of payments to the back of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Had a gentleman call me and fed me a whole line about my student loans didnt properly let me know how much I owe and told me that he would fix it where i would not have to pay and interest would go not ho up but infact all of the information mislead me in so many different ways. I dont feel like I was helped in any way actually only lied too

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.

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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I feel that I am the victim of predatory lending. The school that I attended was fraudulent, and it is now closed. The school was not even accredited. I received almost {$48000.00} in private loans from XXXX XXXX to attend the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Florida. My loans accrued interest while I was in school at a high interest rate. However, upon graduation when I was unable to find a job in my field I put my loans in deferment for 24 months. During that time each payment that I deferred was added to the principal of the loan, and interest was then added to that amount. I was also charged a fee to put my loans into deferment. Since I have been making payments on my loans to Navient all of the money has gone toward interest and fees. For example, in 2014 I paid Navient {$7000.00} in interest. I was told by a representative at Navient that when my loans are finally paid off in 30 years I will have paid over {$150000.00}. The {$150000.00} does not include any fees. I feel like it will be impossible for me to repay my private student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
DEPT OF ED/NAVIENT failed to properly report that the account was closed, instead it sent it to collection and it forces me to pay higher interest rates and loose a home before rates went up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have Bank of America pre paid debit card that was issued to me from the XXXX and someone stole the information from the card, I believe after I used it at a gas station, and used that info to steal money from ATMs in a town north of XXXX where I have never been. They stole almost {$700.00} over the course of several transactions at XXXX different ATMs. Immediately after I discovered my bank account was drained to almost {$0.00} I notified the bank of the fraudulent transactions. After 'investigating ' BoA denied my fraud claim. I have never used the card at an ATM nor have I been to the places the cash was taken out. After they denied my claim the first time I filed a police report and an identity fraud report but the bank denied my claim two times. I am extremely upset by this and the fact that BoA is insinuating that I lied about this money being stolen from 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 2015-09-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student assistance corporation calls XXXX days a week XXXX or more tomes a day. I have asked them to stop calls and contact me thru mail, the advised they can call XXXX times day even if they talk to me in the morning they will call total of XXXX times a day.

Company response to consumer: Closed with explanation