vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2016 I filed a claim with Bank of America because fraudulent charges in the amount of {$24000.00} were made to my Bank of America checking account. My claim was denied 4 times. The first time they said it was denied because I waited a month to report the fraud. But my bank imformation was stolen and the person who stole it made it so I would not be alerted of any of the transactions. Once I realized this Bank of America advised me to file a police report. Which I did with XXXX, XXXX Detective XXXX XXXX ( XXXX XXXXXXXXXXXX ) an arrest warrant was issued for the man XXXX XXXX who stole my funds. XXXX XXXX Is wanted in XXXX and XXXX for criminal impersonation and fraud, but BoA did n't seem to take that information into consideration. Once again BoA denied my claim because they said I checked my online banking statements. When it was XXXX who was checking them. The final time BoA denied my claim they told me they had records of a phone call stating I approved transactions made on my account. But they did not have voice recording proof. They also have several ATM videos of XXXX taking thousands of dollars out every day. They are not using that as evidence. I have been going back and forth with BoA since XX/XX/XXXX and they have been nothing but rude to me and treating me as though I am a criminal when I am the victim. On XX/XX/2016 BoA contacted me and said my claim was denied for the final time and I would not get my funds back unless XXXX XXXX was taken into custody.

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 2016-04-28 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: TX

Complaint narrative:
My student payments automatically withdraw from my account for my consolidated federal student loans that are currently being serviced by Navient. I have never had a late or missed payment in over 11 years. When I looked at my bank statement, Navient increased my payment from XXXX to XXXX without my permission. When I called to ask for an explanation of the increased payment, Navient stated that 11 years ago they miscalculated my payment. I have no way to verify, and also believe this to be the issuer 's error, and not my own. I agreed to an original payment amount, and have honored my commitment for over 11 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: GA

Complaint narrative:
Navient gave me a hard time verifying the school saying that I should verify, my repayments has been lies they always say they never receive my information when I submit it

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day on XXXX XXXX I have deposited this check via mobile app to my Bank Of America Account. After a while I noticed that this moneys were never deposited so I contacted Bank Of America customer service to search for this deposit. After lengthy phone calls I received a letter from Bank of America instructing me to bring the original check to the Bank Of America physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from bank of America stating that Bank of America debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. Please note that I deposited this check on mobile app in to B of A on XXXX/XXXX/XXXX PLEASE I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After B of A accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX but never received a response, then I went to the bank that issued the check XXXX XXXX and then I also went to the XXXX to see what happened to my check. Both banks stated that they cant research this check because I am not their customer. I asked XXXX to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in Bank of America the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to Bank Of America and they are claiming that I mobile deposited it in 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 2016-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX Bank of America foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue.

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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Was informed many times to go into forbearance with my loan when I was struggling with paying for them. It took me to a point to where I had to claim bankruptcy in order to be in a position to pay for my student loans. I am currently paying on my loans now ... my balance has now exceeded over {$100000.00}. Received loans for my XXXX with University XXXX, XXXX XXXX as well as my XXXX program with XXXX University, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}

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 2017-01-21 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: TN

Complaint narrative:
I have been paying my student loans through XXXX XXXX then Navient since XXXX. For approximately the first 12 months they applied more to my subsidized loan than the unsubsidized loan that had a higher interest rate. Navient eventually did start applying more to the unsubsidized, but only recently. Since the beginning of my repayment, the interest that I pay each month varies dramatically, in return the amount that is applied toward my principle also varies wildly. My concern now that the recent lawsuit has come against Navient, considering they have been my only servicer, that I could have been misinformed of the most efficient and quickest way for me to pay off my debt. I have been paying far more than my minimum payment since late XXXX and have seen my balance hardly decrease over that same time. How can I make sure that I have n't been mislead? How can I trust that what I am going to be told if I call Navient is honest? Can you help? 
I work for a company that was recently bought by Navient. PLEASE DO NOT GIVE ANY OF MY PERSONAL INFORMATION TO THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: MA

Complaint narrative:
I have consolidated my federal loans under a private lender, XXXX XXXX ( Navient ). My account shows XXXX consolidated federal loans but payment can not be differentiated between the XXXX. XXXX consolidated loan, which is subsidized, is a lot higher than the other consolidated loan, which is unsubsidized. I 'd like to direct more $ toward the higher amount but Navient says that they are unable to process payments this way. I would like to be able to instruct the lender in how to appropriate my payment, but they are not complying. Navient claims this is a limitation set by federal regulations and it is out of their control.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I applied for a small mortgage through Iberia Bank ( on XXXX XXXX in XXXX XXXX ) in early XXXX. I sold my current condo in order to pay off all of my debts ( $ XXXX ) and lower my monthly expenses. The condo I found was $ XXXX and I had $ XXXX cash to put down ( 50 % ). My credit score was very low so XXXX XXXX at Iberia Bank said that he could work with me to qualify for a loan because my debts would be paid ( see e-mail attachment # 2 ). He was hard to reach, did n't return calls, and the process dragged out for a month. My brother was willing to either co-sign or take on the mortgage himself as he owns a small construction company, several houses, and has a credit score of XXXX. So XXXX talked to him and asked him to submit all of his information ( XXXX pages in all ). 
He faxed it to Iberia on XXXX XXXX at XXXX. The next morning about XXXX I got an e-mail from XXXX . No greeting, no closing, just one sentence, basically " you do n't qualify and neither does your brother ''. ( See attachment e-mail # 1 ) No explanation, no signed form, no phone call. I 've attached XXXX e-mails showing this unprofessional ( and illegal in terms of nothing in writing? ) behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: ID

Complaint narrative:
I saw the lawsuit against Navient in the news, and wanted to provide you with information on my own account with Navient. On two separate occasions, I 've had to battle with Navient about the proper allocation of my student loan payments, on both occasions, I was ignored until I reached out to the customer advocate and threatened to take it further. ( I believe I still have the emails ). I also was told that I was ineligible for anything other than forbearance when I had lost my job and become unemployed. I tried finding an income based re-payment option, but was told I was only qualified for forbearance. I have tried to keep track of this company and their charges and fees, but the truth is, because the interest is added daily, it 's hard to maintain a balance. I feel like this company is corrupt and you can see from my payment histories that whenever I have made a complaint, all of a sudden a sum of money appears as a credit. I 've tried to make several calls over the years to speak to representatives, but they are incompetent. The only helpful people have been at the advocate office, and even then, I still feel like I 'm being cheated. If this lawsuit allows my record to be checked over and audited, I would be so grateful. I never chose Navient as a lender, I was passed on after XXXX XXXX. I really feel like there is something wrong with this company, and they are certainly not out to help the borrowers. Their practices are confusing, and I feel like I 'm being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax advising them of fraudulent accounts on my credit report for the last two months. They have screwed up my report twice by having my name spelled incorrectly. On XXXX XXXX I had a report where my accounts I disputed were removed then on XXXX XXXX all the accounts were added back on and even my name was spelled wrong again. They never sent me a notification within 5 days which is a violation that the accounts was going to be added back. I called and they told me I needed a police report with the accounts listed that was fraud. I filed police report with accounts on there that needed to be removed. I called spoke to XXXX and he was very rude not compassionate about someone stealing my idenity he stated i needed a police report with a officers signature. Which is incorrect because they do n't sign police reports. I have sent everytging to prove im me and they still will not block the fraud accounts which they added back to the account after it was already removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I receive XXXX to 3 calls daily for months from Pioneer Debt collectors, who appear to be pursuing another party with the same last name. Different first, middle names, but not me, and not my phone number. I have NO debts. Their constant harassment must stop.

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 2015-06-07 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became " locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said " not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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: FL

Complaint narrative:
navient offered assistance to payoff my student loan as I am XXXX. I refused the assistance, and I continue to pay my student loans. however, I noticed that navient did some sort of finance change, as my payments per month were reduced in amount to be paid from, approximately, $ XXXXmonth to $ XXXXmonth. my principal was increased by a few hundred dollars when this payment change was made. I did not request any sort of refinancing on the original loan, but I feel something of the sort may have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Originally, I had good credit that afforded me, my husband and son the opportunity to become first-time homeowners in XXXX. Prior to divorcing my husband in XXXX XXXX, I refinanced XXXX XXXX to buy him out of the property and to get his name off of the deed. While in an adjustable arm, I began to experience financial hardship and refinanced again XXXX XXXX and ended up putting all of my equity in my home making bi-monthly payments to bring my loan down from {$230000.00} to {$210.00}, XXXX. Eventually I was assisted by an attorney ( XXXX XXXX ) to apply for a modification which took my payments from {$1600.00} to {$1200.00}. After waiting 33 months to be modified by BOA ( XXXX XXXX XXXX ) I received a savings of {$100.00} instead of the original savings of {$350.00} per month. I believe at some point during another review of required documents submitted again XXXX XXXX, my income as a XXXX was inflated and calculated incorrectly. Not understanding how this could happen after BOA foreclosed on my property while still in a work-out process, the foreclosure was rescinded upon the banks error as long as I accepted and their in-house modification with new monthly payments of {$1500.00}. From XXXX, it was difficult to keep up with payments, so I was encouraged to put my home up for Short Sale which was approved by the bank XXXX XXXX. After several weeks of no activity, my realtor was asked by a new negotiator to submit and upload additional docs to XXXX. In doing so, my realtor obtained documents from BOA that I was approved for a Short Sale process again on XXXX XXXX, XXXX and we had 14 days to submit any requested documents. Not informed by my realtor of a foreclosure date and following professional advice not to make payments during the process, my home went into foreclosure the very next day on XXXX XXXX, XXXX. I am made aware of the foreclosure by the office of XXXX XXXX. XXXX in a letter dated XXXX XXXX, XXXX and told I need to vacate my property. With no where to go and not sure of my options, I was pleased when my realtor was asked if I wanted to keep my property. I responded yes and have been back-and-forth contacting Bank of America while sending correspondence to a representative of XXXX XXXX and the Law Office of XXXX XXXX. XXXX to obtain a fore-closure rescission. After seeking legal advice Fri. XXXX & XXXX, I discovered that I should have been approved years ago for a HAMP because I qualified based on federal guidelines. Yesterday, evening XXXX/XXXX/XXXX, I received a random phone call from the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the intake representative advised me to file a complaint through this website because I appear to be a victim of unfair practices and deserve a proper modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hi, I relocated to XXXX from XXXX in XXXX 2015. Shortly after moving I transferred my insurance and registration to the state XXXX as required however I was not instructed to return my old tags to the State XXXX and they continued to send letters of insurance cancellation to me however I sent the documents there was never a lapse in coverage but come to find out it was because of transferred my registration XXXX and did n't return my tags to the state XXXX. Now they are requesting {$650.00} for the tags that were never returned and now they are threating suit / garnishments / etc for the unpaid balance however I feel that this is predatory in more than XXXX way. Can you please research this issue and see if there is anything that can be done.

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