vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Bank of America refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Bank of America branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Bank of America account and being deposited into a Bank of America account. If Bank of America will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Bank of America accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. 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 2017-02-21 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: MI

Complaint narrative:
Navient fails to accept my payments, then charges me interest for the payments. My loan when I ended school in 2015 was at XXXX and now its up close to XXXX, because they 'll accept my payments and then deny them once they hit the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
original debt is over 7yrs old & I have asked the company on many occasions to stop calling me & they have ignored my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 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: AK

Complaint narrative:
I was a part of a rehabilitation program after my loan went into default. Following the rehabilitation program my loan was turned over unbeknownst to Navient. Letters and phone calls from Navient were coming in and I had no idea who they were. Finally I opened the unknown mail and saw that Navient became my loan servicer. I called, we had a pleasant conversation about moving forward and I was hopeful. We decided that I would be on a temporary forbearance until school starts and then my loans would be on hold while I am in school. 

A few days later I am at work and my phone once again is ringing relentlessly and the calls are coming from Navient. My thought was well what in the world, we just spoke a few days ago nothing could have changed between then and now. I decided to wait it out before returning the call to make sure their departments were all on the same page. I call and the customer service agent speaks to me as if we they have never spoken to me. As if we did n't come up with a plan two weeks prior. Moreover I am getting e-mails with bills above and beyond what my payments would have been if I were not in school. Payments above what even Navient said I would pay per month once I am out of school and on the same income as I am now. 

Is there a way to change my servicer?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
We have been getting robocalls from Naviant every evening at the same time XXXX. Asking us to call XXXX number. Returned call once ..was told we have been listed as reference on a student loan app ..told them we knew of no such app. For a while got message threatening vague legal action in reference to a person we have never heard of. Would like calls to stop and Naviant to be sanctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 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: TX

Complaint narrative:
MY INTEREST RATE IS THROUGH THE ROOF AND MY PAYMENTS GO TO INTEREST AND HARDLY ANY OF THE PAYMENT GOES TO PRINCIPAL. I HAVE BEEN PAYING IT FOR 11 YEARS AND IT IS HIGHER THAN THE ORIGINAL AMOUNT I TOOK OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: PA

Complaint narrative:
My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: PA

Complaint narrative:
Attempts to reduce a monthly payment are constantly rejected. I 've taken forebarrance a number of times due to unemployment and charges accrued. I 've earned an additional XXXX $ from just trying to hold off loans. The money accrued and now my XXXX XXXX is worth XXXX. XXXX $ was added to my existing loans just like that. Over course of repayment, I will have paid XXXX for this amount, plus additional money from my standard loan balance. I ca n't move on with my life if I keep paying this much. I ca n't afford to invest in a home, let alone a new car. 

Today I was double charged by Navient. I changed my banking information and was told that i need to make a manual payment so that the system verifies the account. I did so. I was affirmed that no auto pay ( scheduled prevously ) would be debited. Today the auto pay was debited and I did not authorize it. It sent my account in overdraft. I 've been paying these loans on time for about 2 years. 

I do not get information I need and it is difficult to constantly talk to poorly trained reps. I feel my money is mishandles and I am paying more than I should due to their collection practices and cloudy information I am given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Bank of America reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Bank of America does not get to treat another " valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Bank of America acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.

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 2017-02-08 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: VA

Complaint narrative:
I, like many others with student loans, was not able to handle my payments so I called Navient to help with this issue. They offered me the option of the " forbearance '' program which would allow you to not make any payments for a certain amount of time and then your payments would be reduced based off your income. Once the forbearance period was over, I would start paying again. I was not given any information that my principal loan amounts would accrue interest during this period time of forbearance. I was under the assumption that every thing had halted once I was in this forbearance period. Now thinking back on it, it makes me realize that this deal was way to good to be true. Nothing comes for free in this world, but I was not notified. I saw that the CFPB filed a lawsuit against Navient recently regarding this same issue of forbearance and posted about it on their website stating that " ... the Bureau believes that Navient steers many borrowers into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Certain consumers with subsidized loans end up paying a heavy price because they could have potentially avoided those interest charges ... ..The Bureau believes that a large portion of these charges could have been avoided had Navient followed the law. '' I posted the link below. 
http : //www.consumerfinance.govXXXX I realize that this is still a pending lawsuit, but I wanted to make known to the CFPB that I was XXXX of those millions of students steered in the wrong direction trying to responsibly handle my outstanding debt. Please let me know what you need from me if anything. I am willing and happy to help with any documentation or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Equifax is not investigating and verifying the accuracy of accounts in my credit report that are reporting inocorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
this is a cable bill that was CANCELED and paid with all equiptment returned undamaged. I told them repeatedly that the equiptment was returned at the corporate location drop off. They are billing me for XXXX cable boxes that were returned. The final bill was paid and come to find out that the debt was RESOLD after it was resloved and paid. I have asked repeatedly to remove the negative marks and the hits for my credit score and I was told they will continue to call until I pay it over again. Then I was in tears and the lady laughed and hung up on me. This was paid in XX/XX/2015 along with XXXX other debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: TX

Complaint narrative:
I obtained loans from XXXX XXXX ( now Navient ) starting XX/XX/XXXX - XX/XX/XXXX for XXXX and XXXX school. Upon graduating, I contacted XXXX XXXX to request an income-sensitive payment plan since I was not making enough to pay the large amount that they stated I owed. I was told that there was a plan to I could do to reduce my payments. The next month, I saw that there was no payment due. I contacted XXXX XXXX to inquire why and they said that I could decide to make payments or not to, but that it wasnt required. I made payments and eventually saw that there was a small amount due each month and then after a while the payment due was huge even though I had been making payments. Flash forward to today where I have been making payments monthly for 5 years or so and my balance is not going down ... at some point the balance actually went up. I have tried repeatedly to call XXXX XXXX to get a transaction sheet of all payments and credits that I have made on my loan and was told that information is not available. I have been trying to get someone to look at my account for years to help me understand why my balance does not go down. After calling last week, I was told that they cant see back that far. I was also told that my loan was put on forbearance and not an income sensitive plan during which time it was accruing interest. I have been making over-payments for the last year and the balance still doesnt go down. HELP!!! There is no way that I can be making payments on time for this long and owe more than when I started with the balance not moving. There is something not right about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Bank of America told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My Bank of America Checking account was closed without explanation. They let me keep some of their other banking products.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of A continues to discriminate against XXXX XXXX based on his race, language, nation origin. We have attempted to rectify the numerous issues he has encountered with B of A to no avail. We previously submitted a complaint with regards to the failed loan modification review from XXXX 2016. B of A held on to the file for months stating the file was being reviewed before they finally admitted they were refusing to review the file. The run around for the mod review in XXXX 2016 was due to a Social security/ tax id number issue. It took them over 6 Months to finally inform us of the issue, as B of A employees failed to relay any useful information throughout those six months. We were finally made aware of the issue from B of A employee XXXX once the complaint was filed. We sent out form XXXX to B of A as requested. 
The reason for the complaint today is that 3 years ago B of A changed XXXX XXXX 's " social. '' He used XXXX to obtain the loan. XXXX is the number they currently have on file, and is what is currently being used to verify the account when the client and or our office call in. BANK OF AMERICA made the decision to make that change. One number is the social and one is a tax id. We have asked them why they made that change 3 years ago, and they have yet to inform us of that reason. Due to the change, they are REFUSING TO MOVE THE LOAN MODIFCATION FORWARD. They confirmed they have the docs, but the file sits there. Currently B of A is waiting on the IRS to verify some information. The information THEY decided to change. They do not know how long this will take, but they continue to move forward with the foreclosure. 
A full mod package was sent in XXXX and went nowhere. Once the XXXX form was sent in, we resubmitted a mod package. We called in weekly and were informed they had the docs, but are waiting on the IRS to get back to them. Bank of America is DUAL TRACKING. They have a complete modification package and yet are foreclosing due to an issue they created. At this time, we are demanding the sale date for XXXX be postponed until the issue is resolved, as well as answers be provided to the questions we have, or he will assert his legal right in district Court Naming Bank of America as a defendant.

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 2016-04-13 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:
My checking account was changed to a fee based account without my knowledge, my savings and checking accounts were drained and are in negative balances. Bank of America says I owe them {$300.00}. 
I opened a checking and savings account with Bank of America at least 6 years ago. It had XXXX charges at the time to have an account. I have moved 5 times in the past 3 years and had not checked that account. I stopped using the account back in XXXX when I switched over to another bank, and when I recently checked my Bank of America accounts I noticed I was being charged maintenance fees ( this has been going back for at least a year, but I did not realize this previously ). Both my checking and savings accounts were in the negative and my savings account was closed. Bank of America changed my checking account to one with a monthly fee. The monthly fees caused me to overdraft and go into negative balances. It 's probably about {$500.00} in charges including the negative balance for accounts I have n't touched. When I called the company I was told they sent me something in the mail. There was no due diligence on their part. I never received a phone call as I was going into overdraft on this. 

My savings account was overdrafted so much it was closed, and I am no longer able to access the documentation for the savings 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 explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX is reporting false and misrepresenting a loan they 're servicing that was transferred from Bank of America Home Loan servicing. 

On XXXX XXXX, XXXX, Bank of America responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

XXXX Mortgage information should reflect the same data as Bank of America 's to start. 

There has been no activity on the account since the transfer to XXXX ( ie no payments, no agreements ).

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: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
You have refused to address the information that shows Bank of America acted in a retaliatory manner when it transferred our loan to XXXX in XXXX XXXX requiring us to make 2 mortgage payments in XX/XX/XXXX ( and taking weeks to resolve ). You have refused to address that Bank of America said we did n't have income to quality for refinancing under HARP. You have refused to address that Bank of America told us we were in default when we were never late on a payment. You have refused to address that Bank of America sent us private information on another borrower. You have refused to address that Bank of America falsely told us we could reapply under HARP when there is no evidence of that. The Ombudsman has never answered our challenge mailed XXXX XXXX XXXX in CFPB XXXX and CFPB XXXX. In short, you do not pay attention to detail and evidence to any extent.

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