vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-05 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 had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Bank of America ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.

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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a new customer with navient and have applied for consolidation of my student loans, as well as help with my payments lowered ... .I am not seeing any help with them telling me that they could assist me with lowering payments ... I am a single mother of XXXX just getting out of default..please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have a XXXX and XXXX mortgage with Bank of America - they are Interest only balloon loans. The first expires this month - I have been working with BofA to get a new loan - which they said I have to go through a complete refinance with an appraisal. They set up the appraisal ( using a BofA company for this ) and charged me {$460.00} for the appraisal. The appraisal came back to low according to them so they had me contact an RE agent for comps in the neighborhood that reflected a higher price. I thought they could do that - but I did and he sent those in. Well no response from them so I requested an update and was told the value stayed where it was and the loan declined. 

I have good credit - not missed a payment in the entire life of the loan - 10 years - and am declined so they can charge me a higher interest rate for the exact loan they say I am not qualified to get ... .Oh and the extra money for their appraisal. 

I do not see any good faith or good consumer focus in any of this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a loan mod with bank America/ XXXX they allowed me a trial period and said that they would lower interest rate to market rate..I completed trial period ... they offered me a rate of 6.1 percent. I do n't even know, from the agreement, if that rate is fixed or what. They gave me until the XXXX of XXXX to accept this deal, or possibly NO DEAL ...?? I NEED a market rate, that will make it affordable. Thanks

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: TX

Complaint narrative:
XX/XX/XXXX, I filed a voluntary Chapter XXXX bankruptcy Petition when I was unable to sell my XXXX XXXX house XXXX. At the time of my petition, I owed {$63000.00} in consolidated student loans to XXXX. XXXX placed me in forbearance during my XXXX XXXX XXXX and instructed me not to make any payments. XXXX later transferred my loans to Navient XX/XX/XXXX. Upon completion of my Chapter XXXX plan and bankruptcy discharge, I contacted Navient to resume payments only to find that Navient had added {$32000.00} in interest to my loans and the total amount owed is {$92000.00}. I lost my job XX/XX/XXXX and received an income-based repayment plan. I was not told that interest would be added to my loans or that I would end up owing 50 % more than I owed when the forbearance began.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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:
I have student loans with Navient. Instead of trying to get my loans to a payable monthly payment. They put me in forbearance every time I called and the interest keeps accruing making the payments even higher. They are not interested in helping the borrowers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I applied for a home loan at Bank Of America in XXXX, NC on XXXX XXXX. 
I provided insurance information and agent contact information on the XXXX unit condominium complex on XXXX XXXX. Closing documents were sent to me on XXXX XXXX for a closing date of XXXX XXXX XXXX XXXX XXXX. I learned that BAC did not want a coinsurance clause in the policy. Evidence of adequate replacement insurance was provided to XXXX but I was told on XXXX XXXX that the loan was not approved. Even if the criteria was valid, it was unfair to continue the loan process for 1.5 months and finally cite criteria that could have been known at the start. In that time period rates climbed 1.25 percent and my interest charges are significantly higher with the loan I received at another bank at a XXXX XXXX closing.

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 2015-07-14 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: TX

Complaint narrative:
Attached you may find proof of consecutive payments to XXXX XXXX. Navient reported private loans to the Credit Bureau as charged off and closed. XXXX has informed me they do not own the account and are simply collecting on behalf of NAVIENT and NAVIENT owns the account and can report the account in repayment. XXXX is not reporting the account. I am trying to enlist in the XXXX XXXX and to complete enlistment the XXXX XXXX needs a XXXX Online Report reflecting payments and updated status on Navient private loans. My enlistment is contingent on providing clarification of this reported charge off by NAVIENT on my credit report as in good standing and under repayment. Please help my dream come true to serve for my country. A Supervisor from XXXX XXXX has asked me to contact NAVIENT and speak to a supervisor since they do not own the loans and I have been repaying on time since XXXX of 2012 and payments are going to NAVIENT and not XXXX. I kindly ask for your assistance in facilitating any communication to the Credit Bureau since the loan is appearing as NAVIENT charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 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:
I opened a checking account at Bank of America and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the " POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a " POLICY ''?

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 2016-10-05 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: NC

Complaint narrative:
In 2001 my school closed 3 months into a 9 month program. They failed to provide proper required info to the state of Oregon. The loan was through XXXX XXXX and paid full tuition to the school ( XXXX XXXX XXXX ) up front plus 9mos of a cost of living stipend. OR repaid XXXX XXXX {$6000.00} through their tuition protection program but XXXX XXXX ( now Navient ) still holds me responsible for the remaining money including the 6mos of stipend that I never received. OR has inaccurate dates of the school closing resulting in Navient insisting that I received the education that was paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Initiated a Bank of America money transfer for {$600.00} on XXXX/XXXX/17. This transaction has been done for the past several months in the same fashion. Unfortunately, this time no email communication was sent to the recipient, as has been the case previously. Additionally, after now three business days, the communication nor the funds have been delivered. After calling last Friday I was told to wait until three business days had passed. Called again today and after completing four cold transfers and over one and a half hours on hold, finally reached a representative of their " Move Money '' Department that told me the problem was with the receiving bank and that given these " known '' issues it may take up to five business days. Having failed to provide notification to the recipient, as has happened in the past, it seems unlikely the issue is with XXXX XXXX instead of BofA. They did n't initiate the transfer and took the money from my account. I will have to resend this money while I wait up to ten days for them to begin their review of my claim, requesting my money be refunded, plus it can take an additional 45 days for them to return the money they have taken from me and failed to deliver to the intended recipient. In addition, for potentially holding my money hostage for 60 days, they have advised me that there is no entitlement to compensation. They say I agreed to some terms but those terms could not be relayed to me on the call nor are they available for review and verification. I expect this money should be returned with interest comparable to my savings account, the source from which the money will have to be taken while I await their review. I have an outstanding claim, for which I can use CFPB assistance in expediting. Claim # XXXX, dept phone # XXXX.

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 2017-01-27 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: MO

Complaint narrative:
Iwas attending the University XXXX and later stopped attending do to medical reasons. I then returned and recieved my XXXX. I was never given a fair chance to pay back my loan due to the high intrest rates that were not discussed with me upon accepting the loan. I later deffered them and they continued to grow interest. I was forced to go back to school so that I wouldnt gain more fees. Those fees and student loans from over 6 years ago are hurting me financially and the attempt to get a house for my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In 2008, My ex husband bought house on XXXX XXXX XXXX in XXXX XXXX, NY. The loan was through Bank of America. I am not on the loan. Bank of America is trying to serve me with papers about a foreclosure. I am not an owner. They are also reporting it on my credit report which is fraud. My ex husband is XXXX XXXX and he lives at XXXX XXXX XXXX. XXXX, NY XXXX. Article XXXX of my dirvorce decree states that I am discharged of any obligation with regards to XXXX XXXX XXXX. Per my divorce decree the judge 's ruling is binding. I will not accept any papers regarding anything with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
We have been receiving calls from Municipal Services Bureau daily for about two months. The caller ID says Gila Corp. so we are unable to block their calls. The number they say to call is XXXX which we have blocked but continue to receive these calls. The message says they important information and to call XXXX immediately. According to XXXX, Gila Corp. is a debt collection agency.

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

Complaint narrative:
First, I was never told I was signing up for a private loan. All I did was fill out my fsfa form, and the dispertments came out. At no time was I notified that I was into a private loan, by the school nor navient ( XXXX XXXX ). Second, when I call them to work out a payment plan, which I only make XXXX a year, I am being asked to pay almost XXXX a month, which is crippling my ability to be a single dad, and provider. All I get is threats, and I try to explain that I dont bring in enough to pay the bill. they have even suggested myself get a second job to take care of student loans. This place is a grotesque place, and to the point of harassment. Ho w can I try to raise my son, and pay rent, and misc expenses with this company sucking the life out of me. They act like that they are doing me a favor, however others, through other companies, make about the same and pay way less, for private loans. I never choose to go to Navient, or XXXX XXXX, or even get to select the loan, I feel like this is the biggest scam ever. All I want is help. So please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Fidelity National Financial, Inc
State: IL

Complaint narrative:
We had a land trust at XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/XXXX, the property was temporarily taken out of the trust to facilitate a refinancing of our mortgage. XX/XX/XXXX, the trust company sent us XXXX letter saying they were prepared to put the property back in the trust. We believe we did not receive this letter, and we were unaware that the property was not in the trust. Recently we were updating our wills, and I contacted the trust company to determine exactly how the trust was titled for the attorney. The trust officer confirmed the number of the trust and the description, and said nothing else. The attorney subsequently informed me that there was no property in the trust. In the meantime, the bank happily billed me {$90.00} per year, for a total of {$270.00} for an " empty '' land trust. 
When I contacted the bank they said we instructed them to hold it open. However, they did not bother to send a follow up letter or any other contact since XX/XX/XXXX, nor did they bother to mention this important fact when i confirmed the description. I asked for a refund of all or most of the fees. They said they maintained the open trust as instructed. The trust officer was fairly belligerent, but said she would take it to the trust committee, I then received the attached letter saying there would be be no refund and no further correspondence. 
During this time, the bank feels they provided a service. However, all they did was maintain an empty trust account and send an annual bill, which cost a very tiny amount. I feel there are XXXX issues, the bank did not provide much service, in never sending a follow up letter. Letters do get lost. They also could not be bothered to look up or inform me of the details of the account when I called to inquire. Further, they were not the least bit sympathetic to my request. XXXX. 
Your assistance with this will be much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I argued with a teller on Saturday XXXX/XXXX/2016. I went in to pay my mortgage for XX/XX/XXXX. They received a check for {$2800.00} but they dated my receipt for the dat of Monday XXXX/XXXX/2016. I understand that it may not post until Monday but I argued that the date on my receipt should be Saturday XXXX/XXXX/2016. They told me the reason was there is no banking on Saturday, yet they were open and received my funds that day. I think this is wrong and illegal. If they take a payment on a date that is the date the receipt should say. There may be no trading on Saturday but there is banking or I would not have been able to go in and pay this mortgage payment. If I went in to cash a check on XXXX/XXXX/2016 and dated the check for XXXX/XXXX/2016 they would not have cashed the check. What is the difference? Because they are a big bank they should not be able to make their own rules. I say this is illegal.

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 2016-05-26 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:
I recently attempted to make a payment towards the principal of XXXX of my higher interest student loans. The Navient customer service associate insisted that I would have to pay the unpaid interest on all loans ( despite their varying interest rates ) and then the remainder would then be applied to the principal. I disagreed with the way Navient wanted to allocate my payment since no payment was due at the time. By the end of the call, I reluctantly agreed to pay the unpaid interest on the high interest loan I was attempting to target. After reviewing my account today, I discovered these clear and specific payment instructions were not followed. Navient applied over 37 % of the payment towards the interest on all loans. This required me to make multiple phone calls and spend an excessive amount of time on hold correcting the way the payment was allocated. I do feel that Navient uses these deceptive payment allocation tactics to systematically keep borrowers with varying interest rates indebted. Please take action against Navient to address these concerns. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: VA

Complaint narrative:
My load was sold to Navient from XXXX XXXX, who I was providing payments too up until I was laid off. I explained repeatedly that I was laid off to those that CONTINUOUSLY called and stated the same situation over and over agin. I was laid off, and could not provide any payments. They had no solution in regards to the situation and I had exhausted for deferment that they offered. I was laid off for close to 24 months. Needless to say, I did regain full time employment. Unfortunately my loan had defaulted. 

I spoke with the same manager, who then stated I had to pay everything in full or face a legal situation. Clearly I could not pay the full loan as I was unemployed for 24 months and could n't pay them, I did n't have THOUSANDS of dollars hanging around to pay them to immediately provide over with this forceful call. He then stated, call family and friends and see if you can borrow a lot of money. 

I did FINALLY reach an agreement with them XX/XX/2016, paid a sum to get my account into current standing and set up a " loan re-payment plan '' through the same company. Needless to say, I did n't receive any documentation on the matter after calling REPEATEDLY to the same manager, and they stated ( after he finally got his manager involved ) that I would not receive anything until the 3rd installment was paid of the monthly amount that was agreed upon. 

Imagine my shock when I was under the impression that I had worked out a payment plan with them to correct the loan, and they hit my credit SIGNIFICANTLY in XXXX 2016, 1.5 months after I paid the sum to get the account in current standing along with a monthly installment. When I called and asked why they where hitting me from " both sides '' ( credit negatively/payments monthly ), they stated they could and that one department does n't have anything to do with the other even though it 's the same company. 

I then called and spoke to the manager who could not provide actual documentation on said verbal agreement, that in other words, even though you are paying us back and set up an agreement plan, we are still going to negatively impact your finances for years to come. They claim they are " trying to help me '' however, I have yet to see them " help me ''. They will continue to negatively impact my credit significantly until I have thousands of dollars to provide to them according to the manager that I spoke too.

Company response to consumer: Closed with explanation