vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-12 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: CA

Complaint narrative:
I attended XXXX College XXXX. I graduated in XXXX and went into forbearance in XXXX. During this time ( XXXX ) XXXX XXXX used boiler room tactics to put borrowers into forbearance because they would have otherwise defaulted. Once forbearance ran out and it was time to make full payments, my loan amount had ballooned from $ XXXX to $ XXXX. And overall, from XXXX to XXXX, the amount of private loans that XXXX XXXX put in forbearance doubled to {$2.00} XXXX. 
On XXXX XXXX XXXX XXXX ), a district judge XXXX gave his preliminary approval to a settlement agreement in a class action suit filed by investors who claimed that XXXX XXXX, the giant student lending company, had violated federal securities laws. The class action suit claimed that in XXXX, as it prepared itself for a lucrative purchase by a consortium of banks and private equity investors, XXXX XXXX lowered its lending standards to bolster its portfolio of high-interest-earning " subprime '' private student loans. But, when the economy started to crash and default rates spiked, XXXX XXXX attempted to hide the damage by changing its loan forbearance policy to punt defaults into the future. In the proposed settlement, the XXXX parties agreed to the creation of a {$35.00} XXXX pool to " resolve investor claims. '' That was good news for the investors, and seems like a relatively cheap price for XXXX XXXX to pay to avoid a trial. But the settlement offered nothing to me, the student who was lured into taking out loans to pay for my education. 
I am not looking for loan forgiveness. I am fully prepared to repay my loans, and to date have paid {$64000.00}. My plea is for XXXX XXXX to reverse the exorbitant ballooning I was illegally coerced into accepting in XXXX. 
WITHOUT my consent, or the consent of my Co-Signer, those {$70000.00} student loans have risen to {$140000.00}. If I had been notified by the loan " experts '' that forbearance should be used as a last resort as my debts could quickly double, I would never have opted for the forbearance. I was XXXX years old with no concept of the time value of money and XXXX XXXX revealed nothing more than, just pay an extra $ XXXXmonth and we will put you in forbearance. 
So again, I am not seeking forgiveness of my student loans, I am seeking to eradicate the unethical gains of the disreputable XXXX XXXX XXXX. I did not consent to doubling my loans, and neither did my co-signers. I should not pay any debt that was ballooned by commissioned reps in an unregulated environment where boiler room tactics were used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
HELOC loan with a monthly payment of {$250.00} has maturity and Bank of America is wanting to convert to a 15 year payout with a monthly payment of XXXX, does not include my insurance or taxes. My fixed monthly income is {$1900.00}. I was offered a modification for 40 years payment XXXX which would be manageable. I was denied and now they want me to do a short sale or they will foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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 contacted Navient, formerly XXXX XXXX, several times from approximately XX/XX/XXXX- XX/XX/XXXX, due to my loan payments being extremely high. I was unable to make such a high payment at that time while working part- time ( payments were about {$600.00} a month and it increased overtime ). No one ever spoke to me about the different payment plan options that were available. I was told that I needed to go into deferment and forbearance each time. They never told me that I could choose an income based payment plan. I then defaulted on my loans because I did n't have the means to make such high payments once my loans were no longer eligible for forbearance. My loans were then put into a collection agency where I was charged ungodly fees. After going through the rehabilitation payment program through the collection agency, my loans were then sold from the Navient collection agency back to Navient in XX/XX/XXXX ( yes this sounds ridiculous since Navient sold the loans back to themselves ). I 'm filing this complaint because if someone told me about the available options to lower my monthly payments then I would n't have defaulted on my loans. I 'm extremely upset how Navient operates and treats their customers. Over the last 11 years, no one has ever explained the different payment options available or how to best manage my loans with my financial situation. I needed a family friend to help me navigate the federal loan system which has put my loans in good standing. Maybe Navient should hire my friend since they are unwilling to provide proper information to educate borrowers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My sister and I recently purchased a house and we were pre-approved by XXXX XXXX with Bank of America for up to {$380000.00}. Working with XXXX was challenging as he repeatedly asked for information that we had already submitted to him. His poor time management and unorganized behavior were inconvenient and irritating, but that is not our complaint. Our real complaint is that he attempted to mislead us and have us sign new paperwork for our loan on the Friday before our Monday closing date. Our closing date was set for XXXX XXXX, 2016, but on Friday XXXX XXXX XXXX called my sister and told her he needed her to e-sign some additional paperwork immediately. She asked why and he indicated it was something he had forgotten to have her sign. He even offer to meet her at our residence to have her sign all the new forms. What he did not explain was that he had removed my name from the loan and was going to issue the loan solely in my sisters name. We obviously both wanted to be on the loan as we were purchasing the house together. He later called me to tell me that I did not have enough traditional forms of credit for him to approve me on the loan, but after he pursued my sister and attempted to get her to sign on a new loan. It was not his fault that the underwriter did not want to approve me, however he waited until 1 business day before our closing date to inform us of this and he tried to convince my sister to sign paperwork for the loan without explaining what the paperwork was. He also had pre-approved us for up to {$38000.00} based on our credit scores, income, and debt to income ratio, but the housed we were purchasing was only {$170000.00}. We would have selected a different mortgage company immediately had we known there would be any issues having both of us approved on the loan. We were forced to drop him and Bank of America and were financed through a different company with no issue. However, it caused our closing date to be pushed back almost an entire month and we had already paid for an appraisal with Bank of America that was not refundable. It was a waste of our time and money and we were misled by a loan officer that was more concerned about getting his compensation for the loan than he was providing us honest information.

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 2016-03-22 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: MA

Complaint narrative:
I have a credit card w/ Bank of America . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. 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 2016-07-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau of Carbon County
State: WY

Complaint narrative:
I have been paying off a hospital bill for almost a year. The agreement was that I would pay {$150.00} a month. Which I have been doing. I have not missed a payment. The original amount owed was {$1300.00}. I owe {$130.00}, which I plan to pay next month, per the agreement. I have been receiving phone calls about every two weeks and they are threatening a civil lawsuit. I know they have no grounds, since I have been paying the debt. They called today, after I had paid this month. I emailed them and told them to stop the harassment. I have also blocked the number so they ca n't call me anymore. I also talked to an attorney. I am on XXXX for XXXX XXXX and I work part time. I have tried explaining this to them. I pay them when I either get a paycheck or when I receive my XXXX check. Again, I have not missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.

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 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I am set up on Automatic Loan payments to be drafted each month from my checking account. My due date is the XXXX of every month. After asking why they charged a fee to make on-time payments on-line, I was told I could make the pmts for free if I sign up for XXXX online & can choose the option to have the funds deducted exactly 16 days after my due date, which is my grace period for no late charges. I chose this option because it best coincided with my pay dates. However, on XX/XX/XXXX and again on XX/XX/XXXX, the monthly pmt was taken early. In XXXX, it was deducted on the XXXX when it should have come out on the XXXX ( 16 days after my XXXX due date ). In XXXX, it should have been drafted on XX/XX/XXXX yet it came out on XX/XX/XXXX. After this happened the XXXX time in XXXX, I faxed over proof the funds were taken along with a faxed request for resolution and nobody called me back to explain why this occurred. On both occasions, I was left on hold several times, transferred to different depts., including their " Cashier dept. ", yet nobody could explain why it happened. After the XXXX time it happened in XXXX, the team member I spoke with ( XXXX ) at first tried to tell me this occurred because XXXX is a XXXX month, which seemed irrelevant & should not affect the XXXX calendar days from your due date. I was finally transferred to Supervisor XXXX XXXX ( ext XXXX ) on XX/XX/XXXX who opened a research request and promised to call me back. I rec 'd a vml from XXXX the following Monday XX/XX/XXXX, however, I could not get thru to her directly & was stuck explaining the situation AGAIN to someone else on the XXXX who also said they 'd research & get back to me. As of Wed XX/XX/XXXX, I still have not heard back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I never received notification of my right to dispute this debt. This company reported this account to the credit Bureaus without notifying me and providing me the right to dispute this alledged debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: The CBE Group, Inc.
State: CA

Complaint narrative:
I asked, DEBT VALIDATION to XXXX XXXX thiscollection account.They do n't have a any evidence belong 's to me. 
XXXX reported on XXXX Credit Bureaus on XXXX/XXXX/2014.I requested remove wrong item more thanXXXXtimes, XXXX times called.My Credit score or credit statement is damaged now

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

Complaint narrative:
they did n't fulfill my income based forgiveness application but tagged on a bunch of interest plus a huge monthly payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: TN

Complaint narrative:
I BORROWED {$49000.00} FOR COLLEGE IN XXXX SEPARATE STUDENT LOANS. MY FATHER CO-SIGNED THE FIRST XXXX. I APPLIED THROUGH XXXX XXXX WHICH IS NOW NAVIENT. I GRADUATED IN 2006 I HAVE BEEN PAYING ON MY LOANS FOR TEN YEARS. TO DATE I HAVE PAID OVER {$42000.00}. NAVIENT SHOWS THAT I STILL OWE {$53000.00}. MY AVERAGE PAYMENT IS $ XXXX MONTHLY WITH TIMES PAYING UP TO {$2000.00} A MONTH. I GRADUATED IN 2006 AND NAVIENT STATES I WILL BE PAID OFF IN XXXX. I WILL BE XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into " what they would allow me to have at once '' chunks??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: GA

Complaint narrative:
Dear Officer, I am writing to report that Bank of America cheated me over the phone. 
On XX/XX/2016, I and XXXX in her XXXX office made a phone call to Bank of America, regarding my home-line-equity account with Bank of America. I was told by Bank of America that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
However Bank of America failed to keep its promise and closed my Home Equity Line account. 
I am demanding Bank of America : 1. Restore my Home Equity Line account. 
2. Refund me the payoff fee. 
Thank you! 
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 2015-11-04 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a 0 % promotion on my Bank of America credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Bank of America was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Bank of America was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Bank of America again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Bank of America in regards to this issue and have been continually put off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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 got married on XXXX/XXXX/15 which resulted in a name change. I contacted Bank of America as I have multiple accounts with them, two checking accounts, a savings account, and a credit card. I am also an authorized signer on my parents bank account, as they are on mine for emergency purposes. XXXX of my other sisters is also an authorized signer, and she lives out of state as well. I contacted my local Bank of America branch to confirm the paperwork I would need to make the change - except they would not allow me to make the change on my own. They are making me have every signer on the account come in and sign for my name change, keep in mind, no one else 's names or information were changed. I call the telephone banking number, I was initially told this should not be a problem and I should go back to the branch. I go back to the bank branch prepared with my legal documentation, again I was denied the ability to change my name without all of the other signers. The issue is, my father who is on the account, works out of state and there are no branches where he works. I call the telephone banking number again, I was told there is no way around this, but was told I could close my account with only my signature. I was also told this at the branch. Why I would want to close my account of 20 plus years and open a new XXXX, is beyond me. Especially when it would not fully resolve the issue, my name is on other accounts and I will not close my parents bank account. Bank of America offered to mail me a form to complete, I called twice on this form and kept being told " The form is on the way, give it time '' 2.5 months later, I am still waiting on said form. Bank of America 's policy on this is asinine, all I want to do is change my bank account to my legal name. I have done this same action with other financial institutions and all it required was a phone call and a form, no other account signers required. Bank of America 's policy is outdated and a major inconvenience to consumers and they offer no viable solutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: NY

Complaint narrative:
Bank of America let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Bank of America charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief