vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Bank of America card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.

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 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
MY daughter obtained a student loan and needed her parents income. Which I supplied her with. When Navient took over the student loans. They sent me the bill and also my duaghter. When I had informed them of the mistake they told me that it was a parent plus loan and I was responsible for the loan. I have asked several time for the original paper work in which they deny sending. 
My daughter has been making payments on the loan but my loan just keeps increasing wwith Navient claiming there has not been any payments what so ever. This has hurt my credit dramaticaly. and I want it removed. If there is any way you can help it would be greatly appreciated, Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was informed that since I am receiving XXXX XXXX that my student loans ( all ) will be forgiven. Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: OK

Complaint narrative:
The debt collection company MSB Municipal Services Bureau did not respond to my letter of dispute and I also requested them to validate the debt. Instead, they sent me a second notice indicating that they gave me the opportunity to dispute and there was no notification received by their office. After receiving their XXXX notice I called them at XXXX the XXXX representative was very rude and snide when speaking to me, he then put another representative on the line and he admitted that MSB did in fact receive my letter of dispute and request for validation of the debt. The representative then said that because the XXXX letter was already sent that I could no longer dispute nor did they have to validate the debt. My initial dispute and request to validate the debt was completed within the XXXX day time frame allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/16 about XXXX XXXX I went into Bank of America on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A BOA employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating " we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty, rude and vile for no reason. He also began using hand gestures telling to leave and go to another BOA further up the street. 
I have been with this bank since I was XXXX years old and to be treated like this after all these years. There is no customer service or hospitality Just rude and nasty people. Good customer service starts with upper management and if he does not have any I doubt other workers will. They were just as bad and disrespectful as he was. 
A simple out of order sign would have solved the problem of multiple customers trying to use the ATM and figuring out it was not working. I got to work late because of this. 
I would recommend BOA to better train their employees on how to provide excellent customer service or hire new workers who actually want to work there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.

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 2015-12-01 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: CA

Complaint narrative:
My monthly payment increased to $ XXXX/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping their clients, private loan companies pigeonhole them and hold they accountable for insanely high payments even during unexpected hardships, such as losing a job. I 'm simply asking for a new or revised contract, in which the folks on the phone at Navient are unhelpful with their information and keep repeating the contract I 'm currently in. I should n't be a prisoner of my student loan debt. I am a responsible person who is trying my best to make payments every month, but when my $ XXXX/month payment gets double and I lose my job, I simply can not pay. I should n't have to explain to any decent person that I have other payments to make such as rent, food, utilities, health costs, other student debts, etc. etc. If I was living off the streets would it be a reasonable cause for my payments to be lowered?! Not everyone has a trust fund and not everyone can scrape their family members clean of their hard earned money. My voice is not being heard. It 's simply unacceptable that while I 'm in communication with the company about a revised contract I " owe '' a late fee. I do n't know why this type of business is n't being called as what it is -- criminal activity. Forgive me for putting myself through school and borrowing money. I 'm truly at a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was incarcerated in XXXX XXXX XXXX ( Florida ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. While I was incarcerated for approx. 15 months my roomate at the time used my Bank of America debit/ATM card to fraudulently make hundreds of ATM withdraws and Debit Card puchases as well as writing fraudulent checks equaling over {$20000.00} XXXX dollars. These transactions began on XXXX XXXX, XXXX and ended on XXXX XXXX, XXXX. The account went into arrears and was " forced closed '' on XXXX XXXX, XXXX with a negative balance. After I was released from jail I was homeless. When I finally found a home with a solid address and a telephone and computer on XXXX XXXX, XXXX I called Bank of America to file a claim for the fraudulent activity mentioned above. I was told by a supervisor in the ATM Debit Claims Department named XXXX XXXX that the bank can only file and be responsible for claims that go back 12 months from the claim filing date. The claim filing date in this case is on XXXX XXXX, XXXX. Most of the fraudulent transactions took place over a year ago ( 12 months ) and I explained that I believe that I deserved compensation via a claim regardless of the 12 month rule. He refused to help me with this request. Instead, he referred me to the Federal Reserve website www.federalreserve.gov and told me to download the PDF document on Regulation E which explains that it is federal law that a bank is not obligated to compensate fraudulent activity that goes back more than one year ( 12 months ) from the claim date. I followed his instructions and read the PDF document and found no such rule or regulation. I then contacted the Federal Reserve Consumer Help organization at XXXX and they said that they do not have jurisdiction or supervisory authority over Bank of America so they referred me to your organization, C.F.P.B., at XXXX. I called and spoke to XXXX of your representatives who directed me to www.consumerfinance.gov to process a claim online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted my mortgage lender Bank of America to automatically withdrawal my house payment of {$4200.00} on XX/XX/XXXX from my XXXX checking account prior to my mortgage becoming 120 days late. I let them know I want to stay within the 120 minimum day rule, in accordance to the law, 12 C.F.R. Section 1204.41 ( f ) which became effective XX/XX/XXXX. I am making this complaint due the fact that nothing has come out of my account and nothing is pending. I am currently in review for a loan modification that they are stalling asking for documentation that is irrelevant in hopes to deny me. They are asking for me to show a deposit in my bank statements ( which they already have ) of a cash bonus that I received or a canceled check of that bonus, knowingly that is NOT possible when they have my bank statements during that time frame of receiving that bonus. Bank of America once AGAIN is trying to find ways of how to deny eligible applicants for a loan modification, struggling to keep their homes. I have been trying to get a loan modification since XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-18 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:
I unfortunately needed XXXX more loans to continue my education. These ended up being private loans.These loans were first originated through XXXX XXXX and changed over to Navient. Since getting these loans in XXXX/XXXX I have not been able to lower my interest rate. My rate is 9.75 % and was told that was the rate and no change of lowering it due simply to the fact that they are " private '' loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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: NY

Complaint narrative:
I have a private loan serviced through Navient with an exorbitant interest fee ( nearly 10 % ). I have been paying the loan on time for over a year. The online portal is telling me that I am eligible for an interest rate deduction of 2 % since I have been making payments on-time ( SMART reward benefit ). It has been over a month since I became eligible for this reward and it still has not been applied to my account. I have emailed Navient and called Navient customer service over 3 times. Each time I am told a different story and that they need to " research '' if I am actually eligible for this reward. If my online account tells me I am eligible I do n't understand the disconnect/run-around of determining my actual eligibility. I would like a clear cut answer as to why these rewards are n't applied as soon as the borrower becomes eligible. It seems to me Navient is benefiting financially by postponing the application of this interest rate deduction at the expense of the borrower. This seems to be inappropriate loan servicing conduct and I would like this to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have a loan program called FFELP. I made a complain before about my student loan account number XXXX. On this account I have about XXXX loans. I have contacted the Salliemae/XXXX informing them I have no job and I needed to have my loan payments deferred, I requested this form since XXXX XXXX, due to unemployment. I have not received any document from XXXX and department of education. I have submitted a complain to Ambushed men but no solution. Every day I received more than XXXX calls a day from XXXX and Dep. of Education asking for pass due payment in the amount of {$1600.00} to pay immediately. I have no job I just wonder How will I pay them. I also know that I have a right to deferred my student loan. I just do n't know when the phone calls will stop. I spoe with most of them on phone telling me they want to help. i asked How? once I ask that question they hanged up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
explain why in the heck captiol One refuse to redo the math for the hardship program that they put me in- meaning they are telling me that it will take me 60 months to pay off a loan {$1500.00} at a 7.4 % at {$42.00} a month The company refuse to tell me how they got their math- this is their response " its whatever the computer say '' XXXX - my math says at {$42.00} a month at 7.4 % it will take 48 months NOT 60 months ... .but you see capitol one refuse to listen- just to let you know I spoke to the office of the president staff and even email the CEO- of course this is something he does n't give a XXXX about. You as a so call consumer financial protection what are you going to do about it that captiol one 's math is wrong and are you condoing that its OK for them to collect more money when they are not suppose to? I want answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: WI

Complaint narrative:
This is a complaint about Navient Corp. They are the loan servicer for multiple student loans of mine. I recently refinanced my federal and private student loans, as well as my Department of Education student loans that are serviced by Navient with a {$250000.00} private loan ; Navient is also the loan servicer of this refinanced loan. The private loan entity disbursed funds to Navient on XXXX/XXXX/2016 in the amount of approximately {$180000.00} with the intent of paying off pre-specified federal and private, and DOE student loans. However, those funds were applied by Navient in error to only XXXX of my private loans, XXXX of which was never supposed to be paid off in the first place. All XXXX of the loans to which funds were applied were over paid by nearly {$50000.00}. I immediately reached out to Navient regarding this issue, and initially received reassurance that funds could be shuffled around and everything with my account would be made right. It has now been five weeks and my account is still not accurate. In fact, Navient claims that the private loan that was not supposed to be paid off because it was a consolidated loan having a 3.5 % interest rate ( why would I ever refinance it with an interest rate of 5.125 %? ) is not able to be reversed for reasons that have not been made clear to me by the Navient supervisor that I have been dealing with over the phone. When I asked the supervisor to be connected directly with the monetary department who physically makes changes to customer 's accounts to explain exactly what the issues are with my account, I was told there is no way to contact them. Meanwhile, the refinanced loan of {$250000.00} has already accrued {$1500.00} interest and because it has not been disbursed correctly, loans that should have been paid off in full on XXXX/XXXX/2016 also continue to accrue interest that I am paying on. At this point, I seem to only meet resistance from the supervisor handling my situation and I am certainly not seeing progress toward a resolution. I have been more than patient with Navient XX/XX/XXXX, and I believe have given them fair time to address and correct this issue. However, I currently feel backed into a corner and taken advantage of without any control of my own to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 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: CA

Complaint narrative:
My XXXX XXXX loan was transferred to a new servicer, Navient, some months ago. I have several loans and am making timely payments on all of them. My loan serviced by Navient has always been paid through automatic debit. I only periodically check the accounts since I rely on the automatic payments which have always been properly processed. When checking my Navient account today I realized that Navient has not taken out any payments since XXXX 2015. I immediately called Navient to find out what is going on. It appears that somehow my account was placed on academic deferment. Navient was unable to explain how or why. The Navient representative promissed to get back to me in the next week with further information. I am not back in school and I never applied for deferment. Consequently I expected my payments to be automatically debited as Navient as usual. This appears to be a scheme to charge students additional interest. I am really upset because I have been making timely payments and am expecting the principal owed to be going down. Instead, unbeknownst to lenders Navient places loans in deferment and charges interest only. This is extremely alarming and I am determined to seek further recourse to right this injustice. I hope you can assist me with advising what my options are to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has not refunded the {$300.00} closing balance on savings # XXXX due to confusing poor service. Please see attached letter to Bank of America CEO which explains the circumstances. 
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