vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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:
Navient has limited options to lower loan payments for students. They students to pay a fee before they help lower your payments. They are unwilling to have a debt to income ratio for lowering your payments. They bully people into making payments they can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: MD

Complaint narrative:
At the time the loans were in repayment. Navient did not inform us regarding payment of the loans. In addition, the loans continued to grow due to interest. After a year of interest being added to the loan, we were notified that we needed to pay the accrued interest as well as late fees that were added to the unpaid months. As indicated earlier, we were not notified regarding the payments ( statements did not come to the home ) however we did receive the statement requesting the payment for the late fees and accrued interest. In addition, we have been in contact with Navient informing them that those payments are not possible and if we are able to obtain payment options. We were told we would receive the necessary paperwork however ; we have not gotten them. 

The loans were not paid for several years and as the person ( s ) responsible for the repayment we were not notified of the capitalized interest on the loans and late fees. In addition, the owners of the loans did not notify us about the possibility of sending the loans into default of options to resolve the payments for the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 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: GA

Complaint narrative:
For several years I have tried to get my home loan modified. Wells Fargo has taken me through the ringer and I have not gotten the assistance I need. I have re-submitted the requested documents several times, to keep my home from being foreclosed. I think this has occurred 4 times, most recently this year. My loan keeps increasing. I could barely pay it when it was {$2000.00} now it is {$2300.00}. I requested several times to get a fixed rate and to get a mortgage that was more affordable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Firstly, my credit score just recently dropped due to the accruing interest/balance on the loan with Dept Of Ed/Navient while I was an active student.. I received a notification from XXXX XXXX that my credit score decreased due to loan amount increase of my student loan debt. Second, the school that I attended XXXX in XXXX, FL is now closed. The credits from this school were non-transferable, I did not receive job placement as promised by the admissions advisor upon graduating, the school is listed as a 'for profit ' school with high tuition/predatory practices. My transcript for the school ( XXXX ) that closed is now reflecting that I graduated from another 'for profit ' school ( XXXX XXXX XXXX ), and my transcript is being stored at XXXX in XXXX , CA which is XXXX. I should not be liable for this student loan with high accruing interest rates and high monthly payments that I have made in the past and could n't afford towards an education that I will never be able to use towards anything. I had to take all of the classes over once I got to an accredited university. Which set my classification back by almost two years. I am a XXXX when I could have been graduating next year if my credits were transferable.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I recently inquired about me having to pay mortgage insurance that I thoughtwould end after five years by calling BOA. Customer service said they would sendme some paperwork and I need to read that. 
I received a INFORMED CONSUMER CHOICE DISCLOSURE NOTICE dated XX/XX/2010 ( one month before my actual closing on the house ). 
That Notice has my name as a signature but that is NOT MYSIGNATURE. So I called BOA and talked to Customer Service and theFraud Dept explaining them that this is not my signature and they said they had to investigate this and it is " serious ''. 
Somebody forged my signature and I never seen this Document before thereforemy argument is that I feel that I should not have to pay this Mortgage Insurance Premium. 
They said they will send me a Signature Affidavid but so far I only received a letter from BOA saying I need to pay {$32000.00} to eliminate the MIP! 
BOA so far is not cooperating with my request and even makes furtherdemands! 
Please contact me at my earliest convenience, I have a reference # andname who I talked to but can not disclose it here ... 
Please leave a message on my Cell Ph # I have provided if I do n't answer and I will return your call. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.

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 2016-09-30 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: NJ

Complaint narrative:
Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Bank of America checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Bank of America advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you " avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the " red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

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 monetary relief
Consumer complaint received 2017-01-20 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:
After my deferment I called navient to see if there was anything that could be done with my incredibly high monthly payment and they insisted that they could n't help me. I 'm a single mom and my monthly payment is more than I make in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Bank of America manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know BOA paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX-went to Bank of America ( XXXX XXXX branch, CA ) closed checking acct. But XXXX XXXX ( BOA ) closed both my saving and checking without permission. 
XX/XX/XXXX-Went to BOA ( XXXX ) who said that my saving ( XXXX ) has been closed. Staff said if I did not open a " new '' saving account today. All money remaining in saving will be gone permanently XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and realized XXXX has been terminated due to received several complaints from customer XX/XX/XXXX. Talked to acting branch manager, after filled out paperwork, she promised she will recover my saving acct by next Tuesday. I also shown that my credit score has been dropped off XXXX point from XX/XX/XXXX to XX/XX/XXXX, because of closing this old saving account ( opened XXXX ) XX/XX/XXXX-Went to BOA ( XXXX XXXX ) and teller told me saving account has been recovery, all money from new saving has transfer back to saving before closed this account XX/XX/XXXX- After deposited money to BOA ( XXXX XXXX ), I realized they put money to new saving account. Staff told me it is the only account I have. That means BOA ( XXXX XXXX ) lie on me by never recover saving account

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 2016-01-27 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: CA

Complaint narrative:
XXXX XXXX, XXXX To : Consumer Protection Agency From : XXXX XXXX XXXX XXXX : Navient formerly known as XXXX XXXX Account Number : XXXX My son, XXXX XXXX died on XXXX XXXX, XXXX. I was co-signer on his loans ( see attached - dated XXXX/XXXX/XXXX ). I sent the company paper work in which they had made a statement regarding the conditions under which the loans would be forgiven, XXXX of which was death ( see attached file-Navientfinal ). 
The company is now refusing to forgive the loans. 
In addition to dealing with the grief associated with the tragic death of my son, I have been repeatedly harassed by this company. Several weeks after my son died I sent them the death certificate and requested forgiveness of the loans. Instead of honoring their agreement they began to call me up to 13 times within 3 to 4 days and pressured me into making a payment. 
When I found the original letter ( see attached ) they sent to me regarding forgiving the loans they refused to do so. 
I would like relief in the form of having these loans forgiven, my account cleared, and to be left alone by this company. 
Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
i have already filed against my bank regarding mounting fees on a loan that was paid off XX/XX/XXXX. after an investigation by your company. thought you were supposed to fight for the little person not for the big corporations. the complaint filed before was that Bank of America dipping into our account to pay our county taxes. My husband spoke to one of your representitives. could not get her to understand what we were trying to tell her. tried to get her to understand that you guys have only heard their side of the story. pieces of the story are missing. their was not there. where we had made multiple calls to customer service to BOA and multiple trips to the brick and morter branches to speak to managers and anyone that would help us with this problem to no avail we could not get any resolution. we need someone to represent us and not the big companies. this is supposed to help us the Consumer. unless you listen to our side we will have no other alternative but to seek legal help. Please reach ougt tous so that we can resolve this. 
Thanks XXXX and XXXX XXXX XXXX or XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 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: IL

Complaint narrative:
I actually signed up for overdraft protection with BOA ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with BOA they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over BOA right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As BOA of america bites.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service.

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 2017-01-18 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: TX

Complaint narrative:
Navient is always very unreasonable when it comes to ibr. They offer no help or assistance as to get your loan payment lowered while paying monthly and daily expenses. The loan repayment amount requested is too much for household of 1.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA

Complaint narrative:
I have been a customer of XXXX since XX/XX/XXXX ( encouraged to open accounts due to a mortgage refinance solicitation that required " all '' accounts be moved to the bank as a condition of the loan ). XX/XX/XXXX, I noticed on the Bank web site that it was being acquired by Iberia Bank. However, I received very little in the way of substantive information about how the acquisition would affect my accounts or banking relationship. In fact, in advance of and since the acquisition, I have receive NO new terms or conditions relating to my accounts or services, such as my Bill Pay service. Only after the acquisition took place did I learn that I would no longer receive bills from third parties through my Bill Pay service ( after several bills were not delivered and payments were late ). To date, I am still trying to correct delivery issues with the billers due to difficulties with the prior bill delivery requests made by XXXX. I have not received debit cards for my accounts. Apparently my account terms have changed now requiring minimum balances and I am being charged service fees ; however, I did not receive advance notification of these changes to my accounts. I also was informed ( after the fact ) that the bank routing number and account numbers were changing and that I was responsible for notifying billers who drafted payments from my account. I have requested new checks for my account, but the Bank has never delivered them. I have reported all of these issues to the Bank on at least 5 occasions, by telephone and in person. On at least two of these occasions, I requested a return call from the private banker who opened the accounts initially. I never received a return call. I was told on at least two occasions by representatives from the Bank that the transition has been challenging, that other customers have complained, and that other customers did not receive communications about the transition. I also was promised that the service fees removed from my accounts would be replaced. They have not been. Finally, after my last call to the Bank expressly frustration about the Bank 's failure to correct any of the issues that I had complained about, I finally received a call from the private banker, who threatened to unilaterally close my account for " berating '' the bank employees ( in other words, complaining about legitimate service failures ) and thereby causing other business disruptions to my personal finances. Now, I have left two additional messages with the same private banker to address issues with my account and I have received no return call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-19 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: TN

Complaint narrative:
My loan amount has increased significantly and it shows several loans on my credit like I have taken out XXXX to XXXX loans when I truly have n't. And they also have not tried to work with me as far as some type of income based repayment plan but keep putting me in forbearance and charging me ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/XXXX, I request which I had made to Bank of America to have my mortgage modified was granted. In XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, I was instructed that I would have to go through a trial period for the months of XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, to show that I would be indeed be able to make my payments as instructed. I was also instructed that during this period I should not pay more than the amount instructed as then I would not be in compliance with the terms of the modification agreement. I accepted this agreement and for those months, I made the payment amounts as instructed by Bank of America. My payments were made on time each month in the amounts specified. At no time was I informed by Bank of America that in making these modified payments, as instructed, my payments would be reported to the credit bureaus as being late. 
When I discovered that my payments for the above mentioned months had been reported as late, I contacted Bank of America. I requested that an explanation of some kind be sent to the credit bureaus as my credit was now very badly affected. A representative of Bank of America instructed me to send them a copy of my credit report indicating these late payments. I did so. I received no further communication from Bank of America, even after leaving messages for the person who had contacted me stating that she was my Customer Advocate. I was able to eventually speak to someone several weeks after the initial contact with the Customer Advocate. I was told that the Advocate had transferred to another department, thus the lack of follow-up from them. I again stated my case and made my compliant that I had not been informed that making modified payments would constitute late payments and this had never been told to me. 
On XXXX XXXX, I received communication from Bank of America stating that they can not remove the negative reporting from my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation