vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 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: CA

Complaint narrative:
I am understanding the Ombudsman 's office to state to me that Navient is protecting me by only adding capitalized interest ( it does not inform me of or provide advance notice on how to pay to where it is not capitalized onto principle ) from forbearance ( a plan I am then placed on without my consent ) rather than standard repayment ( again, without my permission ) because the database needs to change repayment assignment during processing due to there being too many loans for them to process. I have filed a complaint against Navient for placing outstanding capitalized interest on principle, among other behaviors seemingly intent to cause damages to me. I await contact from a worker for the complaint, and am told ( by Ombudsman ) to continue to try to seek answer/resolution from Navient, who has directly said to me " I can not answer your question '', scheduling a return call for answers to be provided and then not actually making the return call as scheduled, seemingly being allowed to lie to ( and cheat ) me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Bank of America checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Bank of America. I contacted XXXX and they insisted they posted the return. I submitted a claim to Bank of America for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Bank of America account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Bank of America to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Bank of America debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Bank of America is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped!

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 2016-10-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted a mailed check to Bank of America for my credit card payment on XX/XX/2016, but I do not see that it was applied to my account. Now my credit report shows I 'm delinquent on my payment. I do n't always mail my payments to Bank of America, but when I do n't have access to online payments then it should still be a reliable source. I travel XXXX for work, and I do n't always have access to my online account to monitor that my payments were processed. In this case, I 've been in XXXX XXXX, with spotty internet access. I 'm just now seeing that my payment was never applied and my credit report shows I am delinquent.

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 non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
as my statements on my account show. The bank has been charging me processing fee, after processing fee. Dispersing money constantly from my account. Week after week. I have been stressed over the matter. And would like something to be done about it. Requested that they put a stop on overdraft fees. and they still continued to overdraw me. I felt as if they have stolen money from me. Purposely.

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 2016-01-04 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America gave me trial modification and said I qualify for this plan but later they changed their decision!!! 

Despite my numerous attempts and requests to Bank of America, they still refuse to clarify why they are not finalizing my third trial loan modification.They also failed to call me back despite many messages that I have left them. 
Their excuses for denying completion of my modification is very unreasonable. They gave me trail modification but refuse to make it permanent!!! 

In their letters dated XXXX XXXX, XXXX and also XXXX XXXX, XXXX, Bank of America confirms they have received the form XXXX from me to obtain the tax records from IRS. They should have no problem obtaining these records, as I have filed all my tax returns for the years in question ( XXXX and XXXX ). I have provided all tax records for all previous years to B of A. 
Bank of America keeps repeating the same unreasonable excuses in order not to finalize my trail modification!!! 
They claim that in XXXX they could not obtain my taxes from IRS. This could be due to many potential factors such as : IRS mistakes, miscommunications, etc. 
Fact of the matter is that I have these returns and they have been provided. I can provide it again if needed. 
It is very unfair that the lender has issued XXXX trail modification which proves I am qualified for this program, but they refuse to issue the final modification. 
Bank of America is giving responses that are full of contradictions and false background information. They claim tax returns were missing then but they have them now! If the tax documents are available to Bank of America, then there is nothing missing now. They need to stop this nonsense of a vicious cycle of mixing a file from XXXX with another file from XXXX. 
They say I qualified for modification in XXXX but because of previous questions of the XXXX file, they are refusing my final modification! 
This is total nonsense and very unfair! They can help me save my home, yet they insist on not helping me! 
Bank of America in its letter says XXXX XXXX is the contact person, but he has not responded to any of my XXXX messages!!!! This behavior of B of A is very unfair and even shameful to treat me and my family in this reasonable manner. Who should I talk to about this matter?

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
Consumer complaint received 2017-01-19 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: OR

Complaint narrative:
I co sighned for my son XXXX for XXXX federal XXXX loans back in XXXX and XXXX for a original interest rate of 8.050 %. In XXXX XXXX said I that I could consolidate and get a reduced rate, but infact they increased my interest rate to 8.0125 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have recently received e-mails regarding the change in repayment plan that was set to expire at the end of next month. Navient had mentioned that I call them if I would have difficulty making the payment. My current budget had allowed for the repayment plan that I was currently on but the new repayment plan I was required to take on is outside of my budget and does not work for my financial situation. I called Navient today and spoke with XXXX ( XXXX ) and explained my financial situation and asked for estimates on proposed payment plans - he explained that due to my income level I did not qualify for any alternative repayment plan. I asked him how the repayment qualification process worked and whether consumers were aware of how and at what income levels we qualify for repayment plans. He told me that he did not have that information and that it was not available to consumers. I felt that this policy is very opaque and does not offer consumer 's the full understanding of why they have to pay specific repayment plans. Given all of the income and financial obligations that I have I would like to know how and why Navient builds their repayment plans ( what percentage over time and whether they can extend the life of the loan and whether there are actual repayment options ). I have been faithfully paying my loan since 2010 and do n't appreciate that arbitrary and non-transparent nature of my service provider. I 'm willing to make payments but do n't understand why my provider can not find common ground with me to make payments and work with my budget.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: CA

Complaint narrative:
Latest Issue : defaulted on loan. To avoid Navient 's taking money from pay check signed up for 9 month payments {$50.00} on time. After only 6 months, I got forced into a consolidated income sensitive loan. I 'm unemployed. They want {$69.00} a month. I have not paid for 2 months so they want me to go into forbearance. I tried to make payment with Unemployment debit card. The ONLY form of payment they will take online is customers checking account. 
Not only did they breach a contract of 9 months but they bullied me into a consolidated loan I will never be able to repay in this lifetime. Further, they make it virtually impossible to make a payment online. I have never been asked by any billing for my checking account and not accept Debit card. The amount I owe is {$300000.00} from a loan that was {$50000.00} XXXX XXXX. The loan amount is too complicated to send via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
The terms of my student loan repayment were changed when Navient took over my student loans from XXXX XXXX. I was originally told that as a XXXX, I would be able to defer my loans as long as I remained a XXXX XXXX student. I am studying at the University XXXX pursuing my XXXX. At one point, I was charged the full principal of my loan, and was informed there was an error in the reporting of my full time status. Even though my University is a part of the XXXX that reports to Navient, they claimed I had not reported my full time status. I then had to go to the Registrar and get documentation proving my XXXX XXXX student status and wait for the information to be received and updated. This was very difficult trying to plan finances based on only a stipend from my role as XXXX XXXX. Recently I was informed that my XXXX I took out in 2009, was in full repayment. I had been paying the interest only on this loan, as I had been informed by XXXX XXXX it was not available for full deferment. This year ( my XXXX as a XXXX student ) I was informed the amount of months for my deferment was limited to XXXX, thus, I was required to pay the full principal and interest of my loan. This is different from what I was told by XXXX XXXX, and also by a manager at Navient. I had called to get this all explained to me, and I was told by a manager that since I was paying the interest and was not in full deferment, they should not of run concurrently, I was put on hold, and disconnected. When I called back, a different manager told me that my 48 months was up, and there was nothing I could do and was required to make full payments. I explained another manager had told me otherwise, and they did not look into this further. I looked up the promissory note from 2009 XXXX, and a deferment of 48 months is not listed. I was told by Navient, that when they took over the loans, some of the terms were changed in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I wrote a letter to Montgomery Ward asking the company to provide me proof of my written signature. They in turn sent me a letter denying my request and deemed this as frivolous because I did not specifically ask for anything in my request. I clearly asked for written proof of my signature. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a letter in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a letter instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I have a mortgage loan with Bank of America and live in XXXX, KY. Since Bank of America does not have any branch, office or ATM locations in my city it is not practical for me to have my checking account with them. 
I recently attempted to make a principal only payment to Bank of America online. Their online service prohibits me from making this simple action. Instead, it requires that I may my normal monthly payment plus any additional principal payment. Since this is an extra payment, they put the loan in a " paid ahead '' status - meaning it was not fully applied to principal. If I had not been paying attention I would not have received any credit for paying the extra payment. When I called BofA, they did " move the payment '' to principal and explained that if I was their checking account customer I would be " allowed '' to make a principal only payment online but since I am not their checking account customer I am not permitted to do so. In essence, they are penalizing me for their failure to open locations in markets that they lend to. My loan was bought by BofA, I had not control over them becoming my lender. Why should I have to take time every month that I make a principal only payment to call them and tell them how to do their jobs? How many of their customers have not paid attention and ended up paying untold amounts of extra interest charges when they thought they were making a principal only payment? This seems both unfair and deceptive in my opinion and the fact that I have to take my time to straighten out is abusive on my time. If I could move my loan to XXXX I 'd do it in a heartbeat. I do not have any deposit banking relationship with XXXX but they still allow me to make principal only payments on a mortgage loan with them.

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 2017-01-19 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:
they do not work with you in arraigning payment. they want you to pay an amount you cant even afford have been like this for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX, I attempted to make a purchase at the XXXX, XXXX XXXX in the amount of {$51.00} using my Bank of America Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for {$51.00}. The next day, I checked my online banking statement and saw that XXXX transactions for {$51.00} at the XXXX XXXX were pending. Several days later, I noticed the transactions had cleared and my account was charged {$100.00}. On or about XX/XX/XXXX, I filed a claim with Bank of America for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the XXXX charges totaling {$100.00} would be temporarily credited to my account while the claim was being investigated. 
On XX/XX/XXXX, I received a letter from Bank of America stating " We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of {$100.00} will be reversed from my account on XX/XX/XXXX. I immediately called Bank of America Customer Service at XXXX and spoke to XXXX in XXXX with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, XXXX finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.

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 2015-11-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
They call multiple times a day every day of the week. One person left a voice mail message and called me a XXXX. It is not necessary to call several times a day every single day. Yesterday they called at XXXX, then 2 hours after speaking to me. After telling me the would " push '' the call ( meaning they would n't call again ) they called 2 more times. This is harassment and it needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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 XXXX, debt collector, sent me an " ABANDONMENT OF ACCELERATION '' on XXXX XXXX, XXXX. However, Bank of America 's agent foreclosed on the property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Instrument XXXX was recored and executed in the XXXX County Real Property records. 


CAN ACCELERATION BE ABANDONED AFTER THE FORECLOSURE SALE IS COMPLETED?

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 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have a non-tax, non-student loan debt through the U.S. State Department which was being collected by the U.S. Department of Treasury in which I had payment arrangements. Due to a change in their accounts receivable system in XXXX I became lost in their system. My payments went uncashed, I stopped receiving statements and when I called, they could no longer locate my information. Apparently sometime in XXXX they turned me over to a collection agency, Pioneer Credit Recovery and provided an incorrect address to that agency. I received no written communication what so ever. In XXXX of XXXX, this collection agency ; using US Department of Treasury letterhead and documents, obtained a wage garnishment. I was provided no written, or oral communication about the garnishment and provided no opportunity to appeal the garnishment. When I attempt to reach the the US Department of Treasury I am told they no longer service my account and that I must contact Pioneer Credit Recovery ; however, Pioneer used US Department of Treasury letterhead, with their emblem as if the garnishment came directly from the US Department of Treasury but the payments are being sent to Pioneer Credit Recovery. In addition, non-tax Federal debt maximum for garnishment is 15 % but they are collecting 25 %. The US Department of Treasury refuse to verify or confirm that they put the garnishment in place and keep referring me to Pioneer Credit who will not answer my emails or return my phone calls. I feel that Pioneer falsely represented the wage garnishment as coming directly from the US Department of Treasury to avoid obtaining a court order and falsely prepared and submitted documents as coming from the Government but rather came from their collection agency. In addition, another collection agency, XXXX XXXX is attempting to collect the same debt.

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