vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was solicited by Bank of America for a Mastercard XX/XX/XXXX. I applied for the card and was accepted. XX/XX/XXXX, I was solicited for a XXXX card, a XXXX card. Since this was my alma mater for both of my degrees, I applied for this credit card. 
I was rejected for this XXXX card, with the explanation given that " you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that " This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. " I immediately wrote bank to BAC, certified mail with receipt, highlighting the following points:1. I pulled my current report and there were no current or past delinquencies on the report. 
2. I pointed out that they had just approved me for an account for {$2500.00} in the prior month, mentioning none of these reasons. 
3. I did point out that I did have delinquencies with MBNA in XX/XX/XXXX-XX/XX/XXXX, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 
4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. 

The response I received from them addressed none of my points, instead stating the cliche " unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. " To add insult to injury, they did a hard pull on my credit, so that it shows XXXX hard inquiries ; XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other.

Company public response: Company 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: FL

Complaint narrative:
I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.

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 2015-06-08 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested a {$5000.00} increase to my Bank of America visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: WI

Complaint narrative:
Navient refuses to enroll me in the IBR plan. I submitted the required documentation in XX/XX/XXXX ... did not receive a response and then found out today that Navient had been sitting on the required payment documentation since XX/XX/2016. 

My spouse first had her payment cut significantly, and now lost her job. I can not pay my loans at the current rate. Navient REFUSES to allow me to enroll in the IBR plan. They continue to ask me to jump through hoop after hoop. For example, they told me I could upload documents to their website. After filing a CFPB claim in XX/XX/XXXX they told me it had to be faxed in. I assume the same will happen again. 

Please help me force Navient to allow me to enroll in this government mandated option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have loans serviced Navient, ever since they were transfered there from XXXX XXXX I was only provided with the option of being in foreberance instead of providing me with lowerpayment plans based on my income. I spent hours on the phone explaining that I did not make enough money to pay the monthly installment they kept telling me was required. I filled for foreberence more than 4 times because they told me I had no other options. I submitted my tax returns, in addition to their form depicting all my expenses, every year for the past 4 years that demonstrated that I was not able to make the monthly payment Each time I was told that I would be required to pay over $ XXXX/month. That payment based on the documentation that I submitted that summarized my monthly expenses, including my home, car and utilities, would have put me into a deficit each month. This past summer I was finally able to renegotiate a plan that is still above what I had requested, but is more manageable. Unfortunately it means I am paying excessive interest on my student loans. In addition, as a teacher in a XXXX school, I had to submit the paperwork to have my student loans reduced for service, 3 times. Each time it was " never received ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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:
I have a parent plus loan originally through XXXX XXXX and Navient took over my loan and they keep doing forbearance on them with is costing more in interest instead of giving me a repayment plan. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX/XX/2015 in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: IL

Complaint narrative:
I attended The XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. During the one and a half years I attended I was told to take out XXXX Private student loans to pay for school, books, and cost of living which left me with XXXX in debt. Being on my own I felt I was taken advantage of and pushed into applying for such a loan amount. Now this school has closed/ merged with XXXX XXXX school, which has/ is closing as well? Having felt like I was taken advantage of for years, now to hear the schools closed, Are there any other complaints regarding this school or any loan forgiveness when a for-profit school closes?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
NOTE : My complaint, which while I consider as concerning a false statement, is not covered in the sub-sections below it. 
Syndicated Office Systems, XXXX dba Central Financial Control, is still reporting the the credit bureaus that an account ( debt of {$200.00} ) dating back to XXXX is still open despite it being included in a Chapter XXXX bankruptcy ( XXXX XXXX ). Central Financial Control is still 'updating ' this account and showing it as open ( last reported XXXX/XXXX/XXXX ) in its reporting to the credit bureaus. I have written multiple times requesting that the account should be reported as 'closed ', but they have refused to do so, and instead now show the account info as 'disputed '. The original account is not in dispute, nor have I ever disputed it. The only thing I am disputing is that it is an 'open ' account with an associated negative credit report comment, that they are still supposedly reporting on. 
Their reporting to the bureaus is incorrect and is negatively affecting my credit with all the financial penalties ( higher interest etc. ) that it entails. I worked hard to bring my score up, only to have this inaccurate negative comment on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: CT

Complaint narrative:
While enrolled in a XXXX program at XXXX University, Navient charged me Late Fees each and every month. The terms of my loan state that loan payments are deferred WITHOUT late payments when enrolled as a student. 

Beyond the late fees, Navient has consequently harmed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: MO

Complaint narrative:
For months we have been given the run around with being double charged for student loans we paid off through XXXX. Navient calls daily with the same demand for us to pay student loans that have already been paid. ( FRUSTRATED ) On XX/XX/2016 I paid XXXX {$28000.00}. 
Navient has duplicated my student loans somehow. 
They have double charge me. Navient is showing XXXX separate accounts for me. 
We have paid these loans off. ( with the exception of roughly {$350.00} dollars ) Could you please help me as it is adversely effecting my credit score and causing my family and I an incredible amount of stress! We are trying to buy a home and these credit dings are preventing us. 
Please feel free to contact my wife or I. 
Thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had opened a new checking account with Bank of America in XXXX of XXXX. Upon opening the account, I was advised that I would receive a bonus of {$300.00} if I met the requirement of a total of {$4500.00} in direct deposits made to the account within the first 90 days of opening the account. I met the requirements and did not receive the promotion after approximately 60 days after meeting the requirements. I reached out to Bank of America 's customer service and was advised that they saw I met the requirements, and it would just take a little more time to receive the promotion. After about another 4 weeks I called back and was advised that I would receive the promotion, I would just need to wait more time. 

After several contacts with Bank of America, and ample time to receive the promotion, I contacted customer service on XXXX XXXX, XXXX. I was advised that I will not be receiving the {$300.00} promotion, regardless of being advised previously that I met all qualifications.

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 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I 'm trying to get my house refinanced with XXXX and I was told that a title search showed my old mortgage company ( BANK OF AMERICA ) sold my loan to XXXX Mortgage a few years ago ( XXXX, XXXX? ) but allegedly did not file a release of Lien with the proper county. My account number ( before my loan was sold to XXXX ) with Bank of America is so old the bank had a hard time finding it on their records ( and i 'm not sure if they really did, anyway ). When XXXX asked Bank of America to release the lien so we could finalize the closing they were told it is going to take three weeks, thus denying me the closing on my house and forcing me to miss more workdays ( at a monetary loss to me and my family, not including my stress level that just hit the roof ). I was passed from one person to another three times ; the last individual I spoke with was someone named XXXX ( XXXX ) and she was not very pleasant either. 13 years of not filing the lien release on a mortgage loan they sold to another mortgage company is appalling and unethical. Not willing to resolve this issue in a timely matter is outrageous. I need this issue resolved immediately.

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 2017-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I opened it XX/XX/XXXX. It was reported to Credit reporting agency XX/XX/XXXX. It started with about {$5000.00} and now XX/XX/XXXX it 's at {$28000.00}, 26 years later. They, all XXXX CRA 'S, are still reporting, they, all XXXX CRA 'S deleted Dept of Education, XXXX, XXXX, now NAVIENT. Maximum years reporting has passed 7 and even 10 years. All CRA 'S deleted the Dept of education account, now the put it back on this is unfair, I would like this account deleted. They have the date opening for this account as XX/XX/XXXX, first reported, XX/XX/XXXX. 
This account was opened in XX/XX/XXXX as mentioned above.all conflicting dates. I disputed date of original opening and they all deleted this account. Now they have put I back on all XXXX CRA 'S. I am almost XXXX years young, lol, trying to rebuild my credit and they are purposely trying to mess me up

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

Complaint narrative:
I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
There are 2 complaints. 
Complaint 1 : I have XXXX students loans with Navient. When I make additional payments to try and pay the loans off faster, they 1st apply the payment to interest rather than principal as I hoped and then restructure the monthly payment rather than keep it. So not only am I not reducing the principal, I end up paying more in interest. Since I am trying to pay off the higher interest rate loans 1st, this defeats the purpose. 
Complaint 2 : When I applied for automatic deduction of my loan payment, I was told I would get a discount on my interest rate. It was granted and then several months later they retracted it saying I was late. When I called concerning this, the rep said he could n't understand as I was never late. Come to find out, because I had a 3 month deferral ( which was before I applied for the automatic payment ), they then claimed I should not have been granted the discount. Why when I did not apply for the auto deduct payment until after the deferral which was when they gave me the notification that I was eligible for the discount. They not only increased the loan rate, they also charged me back the interest. Also, at no time was I told that a deferral would change my status to being late or behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NC

Complaint narrative:
I started these loans in XXXX for career training. they were supposed to be 15 year loans. 

At the time, I borrowed about $ 68k. I was directed to two forbearance periods, each less than a year, due to health issues ( XXXX with XXXX ). While recovering, the school I attended went bankrupt, and no schools in the area offered the same training, so I could not continue. SM " credited '' me about $ 8k of the loan due to that. 
Even then, I have been paying this since XXXX, and even with a " credit '' my balance is still {$58000.00} as of XX/XX/XXXX. Paying 11 years and the balance has only moved XXXX???? 

I asked Navient when my interest would be paid out so that the loan would eventually be principle only. They told me it does n't work like that. They charge interest on the remaining balance, so I pay interest in the payment, and then it is calculated again, and added to the bill. In the history of my payments with Navient, two recalculations have added over $ 8k to my balance! This is not a loan ... this is line of credit or a credit card rules! Loans are supposed to have a principle and a set interest charged for the amount of that principle ... this keeps changing. This is robbery! 

At this rate, I will be paying this loan forever and my kids will have to assume it! this is so wrong on all levels! 

I am a veteran, I pay my taxes, I have been paying the loan and in 11 years I have only taken XXXX off the balance????? 

Please help! This is a nightmare!

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Was encouraged to apply for forebearance instead of income driven repayment. Was never told that forebearance opportunities were limited. I applied for income driven repayment after doing research on my own. Now my husband lost his job and is struglling to find a new one and I am struggling to make payments having already missed a few and abput to miss another.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.

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