vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 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: TX

Complaint narrative:
I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for.

Company public response: Company 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 — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I accumulated {$120000.00} in loans with Navient. What I was n't told was with a prior record from 7 years ago, I would not get a job with my degrees. I have applied and continue to be turned down. I contacted Navient and told them I had no job and the only thing I got was forbearance til XXXX of 2017. I have found employment making a little over XXXX and can barely pay my bills. I obtained my XXXX XXXX and XXXX thru the University XXXX. There is no way I can make the payments Navient calculated, yet alone any payments with what I am making.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 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:
On Friday, XXXX XXXX, I logged in to my Bank of America Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Bank of America post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cottonwood Financial Ltd.
State: TX

Complaint narrative:
On XXXX/XXXX/15 I borrowed {$3000.00} from the Cash Store # XXXX. 
On XXXX/XXXX/15 I went to payoff the outstanding balance with a cashier 's check but the representatives at the store would not take my payment stating that a an ACH had been processed on the same day for {$730.00} to my Bank account which they had not received confirmation if it was paid hence unable to give me a payoff quote. I went back to the store again on Saturday XXXX and Monday XXXX and they still would not take my payment. As result I incurred an additional {$180.00} in finance charges. Furthermore, I find it very deceptive to show an APR of 9.75 % on the promissory note yet there is an CAB fee which is assessed as a finance charge which increases APR to the unconscionable rate of 581.72 %. It cost {$2500.00} to borrow {$3000.00} for 43 days or so - outright exploitation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25 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: GA

Complaint narrative:
I have been making payments on time for over six years and my balance on all my loans is higher than the original principal balance from 2008. I am requesting a freeze be placed on my account and payment schedule until a full forensic review of my account can be conducted. In this same time period I had a student loan being serviced by XXXX and that loan is now paid off and the account is closed. I have significant concerns about the book keeping of Navient and I need an explanation of how my balance can be higher than when the account originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
There is a third party debt collection company called " General Revenue Company '' that continues to call me, numerous times a day sometimes back to back, concerning a " student loan '' that is roughly 10 years old. They have contacted XXXX or more people who are not family members trying to " get information '' about me. I returned the call and updated all of my demographic information and told them that I would not speak with anyone about this until I receive written correspondence. They continued to call. I called them back today to let them know that they are harassing me and I would be following through with a complaint and XXXX stated that I owe student loans and they will move toward " garnishment '' of my wages. I hung up on them. 
I have a call log and they are on it daily, numerous times a day, even after I requested that they do not call me back.

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

Complaint narrative:
I have been fighting with XXXXNavient since my daughter graduated. As my daughter could not afford to pay her loans, and I as a co-signer stepped in to help found that she had XXXX separate loans. Upon trying to consolidate, we were told no. The interest rates of each loan at Navient range from XXXX to XXXX, when they were originally at 3 % from XXXX. We battled with mis-communications, having to call back in instead of them calling us to fix multiple issues. We had to go through excruciating processes to get lower payments as forbearance was no longer available. My daughter XXXX, was out of work and raising a daughter so I had to take over the payments, and I am a mother of XXXX. I do n't ask that they wipe our slate clean, but it became such a hassle to deal with them, my daughter will no longer even acknowledge her debt and wo n't pay for the remaining loan I am not on as a co-signer - not even sure how that happened. They will also no longer give me reduced payments. I have documentation for every call I have had with them since 2013 and would be more than happy to share it if it allows future students to avoid the nightmare that we have incurred. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Saturday XXXXSerious and major complaint. Previous complaints addressed harassing phone calls. You stated that no more phone calls. I was awaken at XXXX Hawaii Standard Time by a phone call from your representative. Message from Representative XXXX XXXX, to call her at XXXX XXXX. 
Please answer the following questions to include unresponsive answers to previous complaints. 
1-Is this a harassing phone call. Simply answer Yes or No and what is going to be done to stop harassing phone calls. What is the violation and civil penalty if this occurs again? 
2-You all keep changing enterprise representatives on me. Please respond with name of representative to contact by email. Your phone calls are not resolving our issues and my complaints. I previously ask for email address for Representative XXXX XXXX to resolve our issues and complaints. You all have be non-compliant. Please email me his email address. If not, please explain why I can not get his email address to resolve all issues and complaints. 
3-I ask for the mailing address to mail XXXX form to receive {$500.00} signing incentive for partial claim. Please respond with mailing address to include attention what department. 
What if any is the money incentive to re-sign modification documents? Yes or No. If so how much? 
4-You responded that I am not required to re-sign loan modification documents. You also stated that my modification terms will still remain in effect. You further stated by not re-signing loan modification, it may cause difficulties in the future if I attempt to modify, refinance or the sell the property. 
Please be specific, not general terms as stated above, what difficulties I am going to encounter if I attempt to modify, refinance or sell the property. Please explain fully. 
5-You mentioned previously about recordation of modification. My questions to this still have not been answered. Where is modification recorded at. Name of agency where recordation is being done. Exactly what is being recorded? Who is doing recordation? Phone number to call to check on recordation. 
6-If you all address and answer my questions and concerns, then we can finally resolve all issues. It is up to you all to finally resolve all issues. Simply answer my questions and concernsThank you-XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
We refinanced our home on XX/XX/2013 and reduced our payment to {$1400.00} per month. 
But after a couple of.months the lender is sending bills for XXXX. 

They are adding another another item.colled.other fee and collecting un authorised money from us. 
We called the customer care. 
They told me If I am not.paying it they may forclose me. 
I am XXXX and surviving with XXXX small. children

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 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: VA

Complaint narrative:
For years, I have been trying to get on track to paying my loans. I 've been trying to get a clear answer from Navient, but every time I call, instead of sending me a statement of how much interest I 've accrued or how long it 'll take me to pay down my loan, they tap on a forebarance! The last time I called, I specifically told them I do not want a forebarance ( after learning from your lawsuit that forebearance adds compounded interest, which I never knew! ), I receive an email that they put me on forbearance! I can never get a straight answer from them. I get different people telling me different things about my loan amount, but the only thing they all have in common is putting me under forebearance. 
If I send them {$600.00} a month, how do I know that I am actually paying down my loans. As a single mother, that is a lot of money for me. How do I know I 'm not just throwing my money away? If one buys a house, you receive a clear statement showing how much of your payment goes to principal and how much goes to interest. With Navient, I 've never been provided that! I 've never been provided a clear statement as to where my money is going. Occasionally, I receive emails that I have documents to view on their website. When I go to sign in, I get blocked off or their website is temporarily down. There 's never a clear way to find answers and it seems the longer I do n't pay them, the more I owe, but if I do pay them, I have no idea where the money is going! This is a complete scam and a way to use poor people who have no clue how to manage money. I have no idea who to turn to or who to ask for help. 
I feel crippled. I can not rent an apartment because my credit is terrible, let alone buy a home or car. I do n't know what to do or where to turn. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
They will not release my credit report. They have asked me after months of me calling them over and over to send them my drivers license and social security number. I have faxed it to them XXXX times AND sent by mail XXXX. They still have not fixed my credit report. The other XXXX credit agencies have my information correct and they are able to release it to me. Equifax refuses to, even after months of sending them my information. I filed a complaint with the XXXX and all they keep doing is pasting the same answer back to me over and over. Telling me to send in my information which has already been sent XXXX times and they have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
My loan was sold to navient, I tried to contact them on several occasions so that I could set up a payment arrangement and they would n't give me any information. They kept telling me that I had to wait until it had been processed into their system. Meanwhile, this issue was severely affecting my credit score, as it was showing that my loan was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX XXXX, I applied for the HARP loan program through Bank of America. The purpose was to reduce my monthly mortgage payment of {$680.00} to under {$500.00} due to financial hardship. ( XXXX XXXX XXXX, I applied for Chapter XXXX Bankruptcy and was discharged ). After my HARP loan was approved, my payments, as expected, totaled {$470.00}. In XXXX XXXX, I received a letter for Bank of America informing me that my payment had increased to {$620.00}. This was a total surprise and not in the spirit of the HARP loan program for which I understood to getting a reduction in my monthly principal payments. The refinancing of my original home loan balance, before HARP was {$68000.00}, after refinancing the loan balance with HARP I am now paying more for the house than I had before with a total of {$72000.00}. This all happened in less than one ( 1 ) year. As it stands, I did not benefit from the HARP loan or its counseling. This transaction has placed me in a greater financial hardship and responsibility than before. I would like this loan to be re-visited, as this was not my intended purposes of refinancing with HARP. 
The HARP loan has put me in more debt than I expected. My loan is now right back to where it was, at 30 years with a higher rate and balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have a loan from XXXX school, originally managed by XXXX XXXX, which has since been transferred to Navient. In the last year or two, Navient has not billed me or reflected my monthly payment in a clear or straightforward manner. 

For example, in XX/XX/2016 I applied to the US Government and was approved for an Income-Based Repayment ( IBR ) Plan, resulting in a monthly loan payment of {$58.00}. Unfortunately, in my attempts to pay my monthly IBR, I have been misled by both Navient telephone payment personnel and by the company 's website. 

Navient has persistently stated on its website in my Account Summary a " XXXX Consolidation '' payment as being due by me ( currently {$230.00} ), with apparent priority. No statement of my minimum monthly payment, the {$58.00} IBR, is anywhere apparent on Navient 's electronic presentation of my " Account Summary. '' To say the least, this is deceptive. 

After calling Navient directly twice in XX/XX/2016, speaking both times with off-shore call centers in the XXXX, and complaining about this unclear statement of my monthly payment due, I finally learned that, in order to ascertain my minimum monthly payment due under my Income-Based Repayment ( IBR ) Plan, I would need to navigate away from my " Account Summary '' page by clicking on a link entitled " Loan Details. '' Only in clicking on this link, the Navient Customer Service representative informed me, could I learn of the monthly payment I owed. 

Twice in the last year or year-and-a-half, I have made payments of $ XXXX {$320.00} under the false impression that this was the minimum amount owed, or the first priority for repayment. Only after making these payments, supposedly targeted toward " consolidation '' charges, and discovering that these amounts never disappeared, but kept reappearing month after month, did I realize that this " consolidation '' figure being presented by Navient for payment was not a one-time payment for past interest owed, or something similar. 

In short, in the way Navient bills me, I am given a false impression of which balances are payable when, while I am under-informed about the minimum monthly payment due, since I have to dig and navigate around my electronic account page simply to learn my monthly payment due under my Income-Based Repayment Plan. 

If necessary, I can attached a screenshot of my latest Navient " Account Summary '' so CFPB can see what I see as a Navient customer. 

Thank you very much in advance for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: LA

Complaint narrative:
Over the years I have begged my student loan lender, Navient, for help with repaying my loans, particularly during times when I was out of work. There was no help, all they kept telling me was that there was nothing they could do. Even if I was a few days late with a payment, I would get multiple calls throughout the day, from early in the morning to late in the evening. The calls and lack of options significantly added to my XXXX levels. I have complained repeatedly that my balance never seems to go down even though I continued to make payments. I would be transferred to different reps who most of the time seemed as if though they were just telling me anything because they could not understand it themselves. I often felt hopeless and hurt. I borrowed {$11000.00} XX/XX/XXXX and now XX/XX/XXXX my balance is still {$9600.00}. I do n't understand and from all of the conversations with customer services asking for clarity, I came to the conclusion that I was not only screwed, but that there was no one with the company that pursued resolve and was genuinely interested in helping me. Learning about this site as a resource brings me some relief and I surely hope all that is just will come out of this terrible situation.

Company response to consumer: Closed with explanation