vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had a CD at the Bank of America in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Bank of America reimburse the {$25.00} to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-28 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: IL

Complaint narrative:
I hold XXXX consolidated federal student loans serviced by Navient. I sent a check for {$13000.00} to Navient on XXXX/XXXX/16 for my consolidated loan XXXX ( Acct. # : XXXX ). It was cashed electronically on XXXX/XXXX/16 by " XXXX XXXX XXXX ''. The money has not been used to pay off my student loan. When I called Navient they said I sent the loan to the wrong processing address. However, Navient is part of XXXX XXXX as a government sponsored enterprise. Whether the processing center is at XXXX ( where I sent the check ) or XXXX PA ( where they said I should have sent the check ) is used Navient processes the check. They have held my money for two weeks which has not been used to pay my loan. According to the person I spoke to at Navient on the telephone they do n't intend on using the money to pay off my loan but stated they will send me a check for me to cash. I am supposed to cash that and issue another check to send to the processing center in XXXX. However, Navient is the processor regardless of the processing center. Navient is holding my money, without interest, and not using it to pay off my loan. I have not received the check. I also have an electronic pay agreement with my bank to currently make my payments which they could use for a refund. My recent loan payment does not reflect the money they have received to pay off the student loan. Navient is misusing and misappropriating my student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I am XXXX years old with no money for retirement and my student loan of XXXX is causing me undue financial hardship. My health conditions are making so that I can not longer work extra hours ( XXXX ) to pay for these loans. I have a XXXX in Information and an XXXX that has not paid off and I am in the same job that I was doing prior to taking out this loans so this education has not paid off for me. I also am a single parent supporting a XXXX student that can not match for a XXXX due to the limited XXXX in this country ( XXXX applications for XXXX positions ). I need a lawyer that will discharge this burden so that I can save some money for retirement or I will be living in the streets for sure. I need some help please. I 'm so depressed.I have gone to several attorneys and financial advisers and they can not help me.I need a lawyer that can help me please. Please email me at XXXXXXXXXXXX or call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was trying to pay my student loan with Navients automated system. It would not let me pay what I wanted to pay it put in {$1000.00} payment to come out of my account. Is it legal for them to put the amount in for you automatically??? What can I do??? Who can I complain to about their tactics.

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: TN

Complaint narrative:
Navient has been applying payments to my incorrectly and when asked this was calculated they are unable to give me an answer. I asked for documentation six months ago in which they failed to provide. I was up on automatic payments in which Navient started to reverse payments causing late payments when I asked Navient about reversals they blamed it on the bank ; however, I managed to the the bank on the phone with Navient and bank said there was no issue in fact if I manually went to the website and paid the exact same way the payment would n't be reversed. Very odd with Navient giving no explanation. Also, it states on Navient website a consigned can be removed after XXXX consecutive on time payments so I met those requirements as well as I have a job and XXXX which are the requirements and they still will not remove the consigner. Also, if you log into your Navient multiple times in one day then they take it upon themselves to lock you out of the account. My loan origination on one loan was XXXX and now that is XXXX. My loan origination on another loan was XXXX and now it 's XXXX. They ca n't tell you how they calculate or continually due adjustments or provide documentation when requested. At this rate, no one will get loans paid off and for cosigner removal they need to honor there website XXXX on time payments, income, and graduation as explain their way of new math.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: MN

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: CT

Complaint narrative:
I graduated college XX/XX/XXXX and acquired several student loans with my parents in order to qualify for my financial aid. At first I chose to defer the loans when they were with XXXX XXXX. XXXX XXXX had my loans grouped into XXXX groups-Department of Education, Federal, and Private. After paying for several years the loans were transferred to Navient, which has been a complete nightmare. XXXX XXXX was bad, but Navient is absolutely awful. My main problem is that I have a very high amount of debt that is privately held, which there are little to no options available to me. When I heard the CFPB was involved in a lawsuit with Navient I needed to voice my concerns. I feel like I literally will be working my entire life just to pay them off. My loans are now in XXXX categories similar to that of XXXX XXXX. I was in a car accident XX/XX/XXXX and fell behind on payments. After months of negotiating and seeing what I qualify for I had to give Navient my bank statements and my parents. They went line by line and questioned everything. One of the representatives even said " Wow that is a lot of money to be spending at the gas station. '' She was referring to my father 's account as he drives from XXXX to XXXX every day for his job. I finally was approved for a rate reduction program for the Private loans and placed the other loans on Forbearance due to hardship. To this day we receive stacks of mail correspondence, daily phone calls, emails, etc. even though everything should be up to date. I have had a breaking point as I realize that now at XXXX years old with almost 90 % of my debt privately held I will never be able to qualify for a mortgage, it has ruined my credit, and my payments are always messed up. I do not contest the fact that I owe money for my education, but coming from a banking background I find it amazing that a loan was underwritten for the price of a home at the ages from XXXX-XXXX, but could not legally get a credit card. I often wonder how did they per-qualify us for these astronomical amount of debt? I would really like to continue to my life, pay off a fair amount, and contribute to our economy as I move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 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: CL Holdings LLC
State: TX

Complaint narrative:
i sent a debt validation to jefferson capital on XXXX XXXX 2016, its been over 30 days and i have not received any documents about the account, this is violation of fdcpa i want this deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XX/XX/XXXX Our family applied for HARP modification of our 15-year HUD insured loan with Bank of America. This was because our home is underwater since purchase XX/XX/XXXX and we were increasingly unable to afford the payments. 
Our application to modify the loan terms was approved by FHA. However, the HARP modification affected XX/XX/XXXX simply converted our 15-year mortgage to a new 32-year mortgage. While this resulted in lower monthly payments, we will, in the long term, pay a lot more interest. 
As of XX/XX/XXXX, Bank of America has sold off our mortgage to XXXX. We are unsure if the FHA insurance as well as other homeowner protective clauses conveyed to the new lien holder. 
Our understanding of the HARP-process was that the original loan conditions ( XXXX, FHA insured ) and consumer protection clauses would not change with any modification or transfer. 
We respectfully request that this matter be investigated and corrective action taken to safeguard our interests as homeowners. 

OUR LOAN Information : ADDRESS : XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX Original BoA Loan No. : XXXX New XXXX Loan No. : XXXX Phone : XXXX mobile, XXXX work Email : XXXXXXXXXXXX

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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I asked for my loan payments to be reduced or postponed until I started working again and they told me I do not have that option

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
WALMART DECREASE MY CREDIT LIMIT WITHOUT A REASON ALWAYS PAID ON TIME NEVER LATE I USED THE CARD OFTEN PAID TO 0 MULTIPLE TIMES

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 2015-06-01 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: OR

Complaint narrative:
Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
COUNTRYWIDE HOME LOANS, INC. ( hereinafter " BAC CORP OWNED ASSET '' ) is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX 's '' ) took out a loan with XXXX XXXX XXXX, XXXX ( hereinafter " XXXX '' ). 
To secure repayment, the XXXX 's executed a Mortgage with XXXX XXXX XXXX XXXX , XXXX ( " XXXX '' ) as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
BAC CORP OWNED ASSET is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).

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 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Crediter bills XXXX month in advance I paid bill and terminated services and returned all equipment the day of termination. They 're trying to to get more money it has already been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I had credit card debt with Bank of America while I was XXXX in the XXXX ( XX/XX/XXXX-XX/XX/XXXX ). After I separated from service, I noticed XX/XX/XXXX that my card balances were unexpectedly much lower. I called Bank of America to inquire about the reason for the balance change. They told me on the phone that they had incorrectly charged me higher interest than was allowed under the Soldier & Sailor Act and that consequently, they had lowered my balance to adjust what they had illegally charged. So I never saw this money - it was just fraudulent interest followed by elimination of fraudulent interest. After I filed my XX/XX/XXXX tax return, I received a XXXX from Bank of America with a total reported " income '' of ~ {$10000.00} ( the amount that they had adjusted my balance ). Again, I never saw this money, so I did n't think I should have to pay taxes on money that was illegally charged and then corrected. I just got a letter in the mail from the IRS stating that I owe {$2600.00} in back taxes because I did n't claim the Bank of America income. In my opinion, Bank of America made a mistake reporting this as income to the IRS and should have corrected it, but clearly they did n't, and now I am stuck having to deal with the IRS to explain the situation. All of this because I volunteered to serve in the XXXX and BoA messed up the interest charges on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I am a couple of payment behind on my Mortgage. Which the total amount is {$1000.00}, I have recently paid a payment of {$520.00} and will pay the remaining amount later in the month. They also told me that someone from XXXX, to come at my home. They came uninvited to my home around XXXX on XXXX/XXXX/2016. I do not want them to come to my house anymore which Bank Of America said I can request anyway, but they came right away after I received the papers.

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 2016-03-08 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: MA

Complaint narrative:
I was charged an overdraft fee by Bank of America, even though when I checked my account online it was not overdrawn until after the fee was applied. When speaking to a Manager on the phone, I was informed that it was a specific transaction that overdrew my account. Upon hanging up, I immediately checked my account to find that, according to my mobile banking app, that transaction left me with {$55.00} in my account. This is not the first time Bank of America has charged me an overdraft fee when the only charge that put me below a {$0.00} balance was the actual overdraft fee. This is, however, the first time they have absolutely refused to refund me my money. It was suggested that I explore " keeping a check ledger. '' It is also convenient that {$50.00} transferred from my online savings account, which stated they 'd transferred the money on XXXX/XXXX/16, did n't appear in my Bank of America account until XXXX/XXXX/16 - after they 'd charged me the fee.I suggest that Bank of America not charge people for overdrafts that have n't actually occurred. 
I have opted in for an email notification anytime my balance goes below {$25.00} or is overdrawn. However, at XXXX XXXX I was charged for an overdraft but was n't notified via email by BoA until XXXX XXXX. 
Any help you can offer is appreciated.

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