vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-26 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: TX

Complaint narrative:
In XX/XX/XXXX we received a notice from Navient that my wife 's student loans were past due. I am a cosigner on XXXX of XXXX loans. The loans were taken XX/XX/XXXX-XX/XX/XXXX. My wife has been in school half time since then, but has switched schools a couple of times and is still in school at XXXX XXXX XXXX University. We requested the promissory note and it clearly states that as long as she is I school at least half time, they will put the loans into forbearance. We have pointed this out several times to their collections and Ombudsman ( who is in their collections department ) and they can only state they have a policy that all private student loans are to go into repayment after 48 months. Nobody looked at the agreement, not even the Ombudsman who told us he was instructed by his boss to tell people they just have to pay, no matter the circumstances or agreement, to get those people to pay. We requested their Customer Representative investigate, received a voicemail a month ago that they would, but have heard nothing since. We have been harassed by phone calls/emails/letters and Navient has put negative entries on our credit reports preventing us from buying a house. I requested multiple times the written 48-month policy and was told nothing is written. I 've also sent them a certified letter requesting documentation for which they have not responded. I sent a certified letter to forbid them from calling me as they were interfering with my work. The person who last called me read the promissory note I uploaded to their site and could find nothing supporting they could force repayment. He still stated they had told us numerous times we had to repay, so we needed to just pay. We have no intention to not repay the loan, but as per the promissory note we both agreed to, not be an undocumented policy that is in direct conflict with the note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I am a co-signer on a student loan with Navient. I know that the student is one month behind in her payments. I am receiving anywhere from three to six calls a day from Navient. Today I received a call every two hours. I have quit answering my phone when they call. I refuse to talk to them! I know that she sends a payment every month. It 's just late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Auto loan paid in full. Balance is 0, account is closed. Lender keeps calling 3 times a day, everyday.

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 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
As a Bank of America customer, I got automatically enrolled in the Bank Of America Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from BOA Privacy Assist stated that my account was not affected by the " unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Bank of America Privacy Assist customers, or am I being deceived by the Privacy Assist team?

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: PA

Complaint narrative:
After being laid off from my employer in XXXX of 2016, it was difficult to ensure bills were paid on time with XXXX income which was my wife 's and part time. Therefore, after falling behind in my Navient private school loan, I made several attempts to seek out and obtain assistance from Navient in hopes of getting a lower monthly payment until payment from my new employer was consistent enough to begin repaying the original amount due each month ; however, each attempt made to Navient on my behalf has been unsuccessful and have been informed each time I 've requested the assistance, that I 'm already enrolled in a low payment program and despite the financial hardship, there 's nothing else that could be done. Navient representatives have also made it clear, that if a certain amount was not paid by a certain date, the delinquency would be reported to the credit bureau 's. I 've also received documentation, via mail, from Navient that states other repayment options are available that may be a better fit for my budget if I 'm having difficulty making my payments, yet, I 've been told numerous times, that there 's no other options available to me since I 'm already enrolled in a low monthly payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: VA

Complaint narrative:
Navient is my lien holder for my student loan and I have make extra payments presently and in the past. The company will not apply the extra payments towards the principal rather the company applies the additional payment towards future payments. The most recent example is I made an additional payment earlier this month and the company applied the money towards my XXXX payment. Their payment stub does n't include any method to apply overpayment towards the principal. This has happened numerous times in the past and when I call I am told that the payments were already applied and cant be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
In the past 10 years I have requested wire transfers from XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and the amount received by XXXX XXXX ( XXXX ) has always been the amount of the Transfer requested. I researched Bank of America 's Int'l Wire Transfer fees and determined the fee was {$45.00}. When I initiated the wire with BoA, I was advised that there " may be '' an Other Fee of {$25.00}, in addition to the {$45.00} fee. Based on my previous experience I felt this fee would not be charged, but {$25.00} was deducted from the amount transferred. I tried discussing this fee with BoA, but they could not tell me who received this fee or who actually requested it to be charged. In effect the fee is {$70.00} rather than {$45.00} as they advise on their web site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01 00:00:00
Product: Credit card — 
Issue: Application processing delay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a problem with Bank of America credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Bank of America has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard " 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a " case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My daughter had numerous loans from Navient. My father ( XXXX ) co-signed for the loans. She became in default and they contacted the co-signer. Over 1 year of phone calls, he finally accepted to speak with them ( Included in the call was myself and my daughter ). They were willing to waive all penalties and interest if he paid XXXX, XXXX by XXXX XXXX, 2016. He withdrew all saving funds and paid cash. Per Navient we were advised we will receive a paid in full letter within 30 days. After numerous phone calls no letter was received. When we did receive a letter the amount posted was XXXX. I called again. I have reported them to the XXXX and have not received any results. I was told all Navient loans my father co-signed have been paid. My daughter has XXXX outstanding loan with Navient. Because they received payment from him before, the calls have started again- daily. I want a letter from Navient stating the full amount has been paid and to stop the harassing phone calls. I am my father 's XXXX and this is unbelievable stress on him and the family. The school my daughter was attending is the Univ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. 

BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 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: WA

Complaint narrative:
I opened a business merchant account about two months ago with bank of America in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were " customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Bank of America is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be " customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I would like validation of this debt. I do not owe XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
This company calls 6-8 times a day to collect on a debt and when I call and complain that they are changing the terms and conditions of the loan agreement, I am being told the grace period they offered was just a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of 2015, Bank of America wrote me to state they paid a XXXX insurance policy To XXXX with my escrow money and I might not have enough escrow funds. I do n't have XXXX XXXX. I have used XXXX XXXX for the 10 years since I owned this house. I called, they admitted paid someone else 's policy with my money. BUT they will not pay me back the money until XXXX repays them AND it has my name on the check. Why would XXXX have my name!! I call often, can never speak to a supervisor. I am told each time 7 to 10 days I will have the money back. It has been over 7 months with no resolution. NOW they have just increased my monthly mortgage payment by {$220.00} to cover their mistake! Bank of America has taken no responsibility for their error. They readily admit it is their error. HELP. 
They admit the paid the insurance for some other home with the same street address in some other city and state. When you place a street address in XXXX maps you can find TONS of addresses in different cities and different states with the same street address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX I attempted to close out my Bank of America checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on XX/XX/XXXX, more than one year after the initial call, my debit card was used for a fraudulent purchase of {$100.00}. On XX/XX/XXXX, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - {$100.00} to {$0.00}. Finally, on XX/XX/XXXX the checking and savings accounts were closed. On XX/XX/XXXX I received a bill from Bank of America 's credit card unit for the {$100.00} cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the {$100.00} charge would be taken care of and I would not be responsible for that charge. They claimed it was a mistake and that I should not have been charged the {$100.00} cash advance because the XX/XX/XXXX call established a fraud claim. Then, on XX/XX/XXXX, I received another B of A credit card statement with the same {$100.00} charge. The initial cash advance fee had not been taken care of from the XX/XX/XXXX call and I was again being charged for the cash advance from the fraudulent charge. I called Bank of America again on XX/XX/XXXX and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on XX/XX/XXXX and, after a 2.5 hour phone call, was told I would have to pay the {$100.00} charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Colony Brands, Inc.
State: OH

Complaint narrative:
Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had an account with Bank of America. I had applied for a job on XXXX like I always did and they were legit jobs that I actually worked. I applied for a XXXX job online and recieved a check that was said to be my advanced pay for the job I was going to start. To make a long story short I deposited the check in my account not knowing that it was a counterfeit check so instead of Bank of America notifying me they closed my account and put fraud on XXXX. I had no idea the check was fake because it looked real had the water mark on the check and all. I 'm trying to get the issue resolved due to the fact that I 'm trying to buy a home and would like to open an account with a credit union but ca n't because they stated it will never come off the report I do not have anything on 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 2016-01-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
We have had mortgages with Bank of America for many years dating back to about XXXX. About 4 years ago we refinanced our mortgage on a 30 year ARM with a balance of {$140000.00}. Since the refinancing we have paid the balance down to about {$70000.00}. 
In XX/XX/XXXX we received a letter from the bank that they needed our most recent insurance policy naming the bank as an insured party. My insurance agent faxed the policy a requested on XX/XX/XXXX. On XX/XX/XXXX we received another letter indicating they had no record of the policy. I contacted BofA at the number provided and ultimately spoke with their representative XXXX XXXX. He acknowledged there was a miscue at the bank regarding our original fax, and provided a specific case number and direct fax line for my agent to use to send the policy. That same day, XXXX XXXX confirmed to my insurance agent that BofA had received the policy. 
On XX/XX/XXXX the bank made a premium payment of {$4500.00}, an amount more than XXXX times my regular homeowner 's insurance premium, with no explanation as to the rationale. The amount of coverage on the bank issued policy was XXXX times the mortgage balance and in excess of XXXX % of the full replacement cost of the property. The online record says the Bank 's records indicate they are responsible for paying premiums although, to my recollection, we never have had an escrow account with the bank. As a result of the payment there is a {$4500.00} deficiency in the escrow account. 
We learned of the payment by reviewing our on-line activity on XX/XX/XXXX, at which time we made phone contact with the bank. I requested to speak with supervisor and was directed to XXXX XXXX ( sp? ). After reviewing the record, she informed me she would speak with the proper authorities about reversal of the payment charged to the escrow account. She also committed to frequent contact with us concerning disposition. After no contacts from XXXX XXXX, We left phone messages on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting an update. We have received no responses to our phone messages. 
We therefore seek the assistance of the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Went to a bank of America in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did

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