vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I submitted a complaint to CFPB about Bank of America and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
XXXX XXXX, XXXX am currently paying my student loans under financial duress. I am paying {$950.00} per month in student loans to Navient XXXX formerly XXXX XXXX XXXX. This is not affordable and unsustainable in my situation. 

I reached out to Navient to discuss lowering my monthly payment to an amount I can afford. The only options given are worse than my current situation. They offered interest only payments for 24 months of {$590.00}, after which my payment would increase to more than my original payment amount. Which begs the question of why would my payment increase if I am paying the interest? The other option is to extend my repayment period from 12 to 27 years! This would lower my monthly payment to {$640.00} monthly but also increase the total amount I will pay over the life of the loan significantly. All of these options seem predatory. 

My loans make up the majority of my monthly expenses and take up the majority of my pay check. I am unable to afford a place on my own and have been reduced to finding a room on XXXX. I have had the same vehicle for 7 years because I can not afford a better used XXXX. I live as cheaply as I can and still manage to barely get by. I lost my girlfriend of 6 years in part because I could not afford to propose to her. I have joked that XXXX because my father, who was gainfully employed before the recession, cosigned my loans. My father is now physically XXXX and not working. My father would be forced to pay my loans XXXX. I am working diligently to increase my income to pay off these loans as soon as possible. However, presently a permanent reduction in my payment that is applied to the principal and interest of my private loans without extending my payment terms would be of massive help. 


Kindly, Financially Strained

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information, where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!

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 2016-08-18 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: CA

Complaint narrative:
ive had XXXX servicing my loans for almst 18 yrs. in XXXX unknown to me and without notice XXXX took over, raised payment from XXXX to XXXX and changed amount owed from XXXX to XXXX. now its navient servicing. Ive been unsuccessful in getting a income based repayment plan like the one I had with XXXX for the last 3 years. Ive faxed in documents approx 6-7 times over the period. All they do is issue forebearances and keep raising payment amount and loan amount. These are loans from XXXX. In XXXX my loans were consolidated without giving me notice that the clock would completely reset payment period. 
I need assistance asap on getting on a income based repayment plan and not having the clock reset after 12 years of good standing. I didnt authorize XXXX or navient to service my loans and do not want them as my loan servicer. i get nonstop calls and or emails every 3 months on forbearance over. I explain the problem to them they appologize, give me a govt student loan tel that is worthless and continue same behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX vs Bank of America XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX [ XXXX ] Complaint charge description : on the date of XXXX XXXX 2016. I XXXX XXXX, was willfully and intentionally discriminated against, based on the color of my skin. To which, led to the denial of banking services at Bank of America, located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. 
I went to the bank to cash a check for XXXX XXXX and XXXX dollars. That was written out as pay to the order of [ CASH ]. I endorsed the back of the check and provided my drivers license number. And put my thumb print on the front of the check. Then handed it to the bank cashier. Whom took a very long time doing XXXX knows what ... on her computer screen. then, she stepped away momentarily to speak with someone. She came back! And stated that.. she will not be able to cash the check. So, I ask ... and why are n't you able to cash the check. 
The Bank claim and her statement was : that the reason for them unable to assist me, was because they were not able to verify the authorizing signing party on the check. Which was XXXX XXXX, XXXX of the account holder name on the account. 

[ XXXX ] Complaint charge description : I left and went to a different branch shortly after leaving there. upon arriving at the Bank of America located at : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I waited in line ... then, I was called to the counter. I was asked the most unusual thing by the clerk, before she would assist me. I was told to remove my sunglasses. And after I did! she then begin to help me. I ask her what was the reason for me removing my sunglasses.. she stated that it the bank policy that sunglasses are not allowed to be worn inside the bank. And I witness their own security guard wearing a hat and sunglasses inside of the bank. I said this is the first I 've heard of this ... furthermore, the cash the check and I left the bank. 

the statement herein give by XXXX XXXX ; is the truth, as it happened on this XXXX day of XXXX 2016.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her BoA account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was " required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that BoA " does not accept '' powers of attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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: UT

Complaint narrative:
My name is XXXX XXXX i attended XXXX XX/XX/XXXX while they were owned by XXXX. my question to you, is why do n't all students who attended the schools when corinthian owned it get relief of the private and federal loans from this lawsuit the cfpb has with them? i have been paying XXXX dollars a month and not getting anywhere with this loan that i was forced into having. my principal amount was XXXX with a 8.75 % interest and i have been paying for roughly 6 years and i now owe XXXX i feel like i need to be helped out by this lawsuit. i feel as if the school has done exactly what the article and lawsuit say, by the fact i have n't heard a word for job placement like they said they would, i do n't make the salary they said i would, i also do n't even work in the automotive field because quite frankly the pay is n't enough to take care of the loan payment and have a life. my loan servicer is Navient formerly known as XXXX XXXX and i have contacted them about this and i have been told i do n't qualify because because i attended XXXX XX/XX/XXXX, and students from XX/XX/XXXX to XX/XX/XXXX are the only students that qualify. i feel thats discrimination because i do fall under the same issues your lawsuit was based upon. and the school was owned by corinthian colleges during that time i attended. i feel that my student loan is predatory because its not getting any lower with every payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: NJ

Complaint narrative:
Upon submitting payment we are told that we may incur a late fee. I now found out, after paying for roughly 10 years, that the may had changed to a will. I notice in my account history it shows a late fee charged than credited. For 25 months there was no credit. I also had a dispute that lasted months in regards to the monthly amount due. It had doubled with no explanation. The first two hours on the phones with multiple reps led to no avail. It took several months to adjust. I have been trying to remove my cosigner for years. I have had XXXX loans for a house and a car loan approved since the first denial. Obtaining the denial form was also nearly impossible in which a runaround had occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 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: FL

Complaint narrative:
I have been receiving harassing phone calls at my workplace from a XXXX XXXX at Navient. He has also threatened wage garnishment, even though Navient has no ability to garnish my wages without first sending my account to an attorney collection firm and then taking me to court and then winning a judgment, and then executing the judgment. 

I would like him to stop calling my workplace and stop making threats. I am trying to save up enough to make payments again on my loan but I do n't think I should be threatened or receive calls to my workplace. If he continues calling my workplace then I may be fired and will never be able to pay back this loan. 

My account number is XXXX. My home address is XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX. 

This account is under my previous name, XXXX XXXX. I have recently changed my name to XXXX. The balance on the account is {$38000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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:
Navient continues to not credit to my account the full amount that I send them every month. It is sometimes a few dollars off and sometimes a few hundred dollars off. I feel that this is either harassment or incompetence or downright sneaky fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible. 

Now I have to consider paying an attorney XXXX to take care of it, why? 

My property is XXXX underwater. I requested a letter from them a week and a half ago and never re eived it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had and account in2009 with Bank Of America that closed. The account was closed because of a check that I received that I deposited but had no idea it was fake. However I paid the bank back and now they are saying I ca n't open another 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 with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
recd text from XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 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: MD

Complaint narrative:
On XX/XX/XXXX it came to my attention that XXXX payments made on XX/XX/XXXX ( {$350.00} ) and XX/XX/XXXX ( {$350.00} ) had not posted to my Navient account. I submitted an online request for assistance. I received an email back saying they had not received the payments and to please send a copy of the bank statements. I immediately ( same day ) attached copies of the payments from my bank and emailed them back. I did not hear back from Navient. On XX/XX/XXXX I called Navient to follow up. They said they had no record of my email and asked me to fax the documents to them, which I did that same day, XX/XX/XXXX. After not hearing back again, I called on XX/XX/XXXX at XXXX and was told they received the fax but did n't not have any record of the payments. I asked to speak with a supervisor ( XXXX ). XXXX told me she would submit an inquiry to XXXX XXXX since they were probably lost in the transfer of my loan from XXXX XXXX to Navient and to check my account in XXXX weeks. After payments we still not posted, I called again on XX/XX/XXXX and asked to speak with a Supervisor ( XXXX at XXXX ). XXXX said the information I submitted was not sufficient and they need the Electronic Fund Transfer ( EFT ) numbers. I informed her my bank does not have access to EFT numbers but I had submitted copies of the payments that included the confirmation of payment numbers. I asked to speak with a supervisor and the call was disconnected by them ( I called from a land line ). Navient has never followed up with me, they did not send confirmation of receipt of my email or fax, nor did they ever reach out to me to let me know the status of my claim. They have never contacted me to help resolve the missing payments, even after hearing back from XXXX XXXX on XXXX XXXX. I am writing to ask for your help. I 'm not sure what else I can do. I have copies of my bank statements showing the payments, Payment detail receipts showing confirmation numbers and a log of my contact with Navient. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: CA

Complaint narrative:
Took a a parent plus loan for my daughter back in XX/XX/XXXX and I was given the option WHILE she 's in school to have it deferred, she was in school for XXXX years and little did I know having this deferred that the interest charges were being added to my loan. I had like XXXX or XXXX loans out of the XXXX years. XXXX then told me consolidate all the loans into on which I did and all the interest were also added on to the consolidation. The loan kept growing as I did n't know why, back in XX/XX/XXXX I was told I had to consolidate it again from XXXX to the new loan company Navient, there was more interest added on to my loans to where it is now at XXXX my payments were extremeley high and I kept calling them and letting them know I could not afford these high payments and also asked them if they can lower the interest rate, I 'm thinking maybe my payments will be lower if they lower the interest rate of XXXX %. again I was told NO they ca n't. I have pleaeded on the phone with them and made them aware I ca n't pay so much. No one would listen. Last year I was talking to someone in customer service and they suggested I file for the income-driven repayment plan, which at the time sounded good, little did I know I was going in further to the hole, the hole I can not get out of, anywasy the dropped my payment to {$610.00} and to find out they were tacking on {$1100.00} a month on interest that is why my loan balance now is SO HIGH. I wish I would have been educated on how these loans actually work, had I known that putting your loan on defferement was going to hurt me and my credit I would have never done this, I would have made payments from the very start, and also when I had to do the consolidation they offer that I put my loan on hold for XXXX days while making arrangements will all the documents and such well yes more interest, this is so wrong. I need help, I do n't know what to do anymore. I am giving my money away to this company Navient and my balance is growing, I was also told that at XXXX years of making these payments my loan was going to be forgiven. Does this make sense? Forgiveness? My duaghter went to XXXX schools the first XXXX being XXXX, XXXX, CA and the XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 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 is attempting to collect a debt that has a XXXX balance. 

They are misrepresenting this debt on my credit reports.

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