vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 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: FL

Complaint narrative:
I previously worked for Bank of America for a little over 6 years ' total. During that time, I also used the bank as my primary depository institution. After voluntarily departing from the bank XX/XX/XXXX I continued using the accounts out of convenience. I had/have a total of XXXX accounts, XXXX checking and XXXX savings. In order to avoid a monthly service charge for the savings account without maintaining a minimum {$2000.00} in each account I had to set up auto-transfers from the checking to each of the savings. This was done easily while working at the bank and setting up the payments to coincide with paydays - every 2 weeks. When I left, and began with another company my paydays changed to semi-monthly. Still, the transfers continued and I never had a problem with overdrafting my account at any time. On XXXX/XXXX/XXXX, I logged in to check the account since I had began using another institution for my daily spending and only using BOA for bill paying - I noticed that I had incurred overdraft charges the prior week. When I traced the reason why the account had been overdrafted, it was due solely because of the auto-transfers from the checking to each of the savings accounts. My thought was that I would contact the bank and let them know of the error so that it could be corrected - after all, the funds were not 'absent ' it was just a matter of funds going into XXXX account when it should have been held - and I do not overdraw my account, nor was I ever notified via mail and/or email of the problem. When I contacted the bank, the representative stated that she had to 'check ' to see if I was eligible for a refund of the overdraft fee. She placed me on hold and came back on the line and informed that I was not eligible. I asked her why and what was the determining factor? She said that she was unable to tell and that the 'system ' has a formula for this but either would not or could not explain it to me. Now, this was literally XXXX overdraft fee..not multiple..not spending money that I did n't have. The funds were 100 % within the bank - and they charged me a fee for money they benefited from. Furthermore, I had no prior knowledge of this policy nor any notification afterward that this had occurred. I am now in the process of removing all of my funds from this account - a lengthy process since I have had this account for almost 15 years. What a disappointment.

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 2016-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have not been receiving any monthly statements ( or periodic statements ) From Bank of America, N.A., since the new federal rule, which went into effect on XXXX XXXX, 2014, requires monthly statements be sent out to homeowners. 
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 non-monetary relief
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX 2014, Bank of America permitted a balance transfer from my BOA XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. BOA refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: RI

Complaint narrative:
XX/XX/XXXX I received a call from Navient that I returned the following day while at work. The woman from Navient that answered my call told me that they needed the death certificate of my grandmother whom was my co signer on my loans. I understood that and said I would obtain this information. She then proceeded to tell me that my loan repayment plan - which I have been on since XX/XX/XXXX and have been making faithful, regular, payments in full without failure despite the hardship it costs me - apparently expired effective XX/XX/XXXX. She said that " If you answer a few questions I can help rectify this situation '' she asked me questions about certain monthly expenses I incur every month. I told her I was at work and could not answer these questions accurately without my statements at home. She insisted I answer her limited questions and I did so. She then tells me my " new plan application '' is denied, that I no longer can pay the $ XXXX/month that I have paid since XX/XX/XXXX, and that now must pay $ XXXX/month on my loans. She quickly noted that I can not appeal this determination. I was irate and went home and called Navient back with my expenses in front of me. XXXX ( Employee # : XXXX ) told me the same information and stated that unless I provided Navient with 3 months of bank statements, I can no longer pay my usual amount. Time and again I have told Navient that I simply can not afford to pay anything more than $ XXXX/month on my loans or else it will create a severe financial hardship upon me ( which it did the first time Navient misinformed me about my loans ). This has fallen upon deaf ears. I am a recent college graduate and earn XXXX / month. I incur {$1400.00} in expenses each month and that does not include the {$450.00} for my loan. After I pay my loan, I 'm lucky if I have even {$50.00} to myself to enjoy my life. I have nowhere else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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 had begun paying my Federal Loans using Navient 's online payment system then for some reason the website stop taking my payments. An error prompt would display saying that my requests could not be completed. I tried many different web browsers and operating systems and the problem continued. The lack of not being be able to pay my loans online resulted in a major inconvienence and displays a huge chunk of customer service/satisfaction on Navient 's end. I called in to let Navient know that this issue was happening and the Reps told me that they were able to simulate the payment process and that it was all working on their end. They even walked me through the process to ensure that I was doing it correctly and the issue continued on my end. This resulted in me having to call and spend atlast 30 mins on the phone and be threatened with a processing fee in order to pay my loans on time after doing this for a few months in a row I decided to hold Navient responsible for the errors in their website and this unfortunately has forced my account to go delinquent as I am still not able to pay them online. I continued to bring this issue up and nothing was ever done about it, I was told to contact the Tech Support Team regarding this issue and I was never contacted back and here a we are a year later with the same problem and no solution. I have tried contacting Customer Service by email through Navient 's website and as soon as I finish my letter and press send I am told that I do not have access to such a feature. I tried this on different devices and operating systems and the issue continues. I have also tried contacting Customer Service by Phone and I am redierected back to the Collections Departament, and everytime a Rep claims to transfer me, the call is ended and I am back at square one, almost as if no one wants to talk about this issue or take care of it, yet they still demand their payments. 

I have also asked Navient to stop monitoring and recording my calls in order to protect my privacy and everytime I ask them to do so, they disregard my request and hang up on me, I feel this is very wrong as I as an American Citizen have rights and never agreed nor signed anything that allows Navient to monitor and record my calls. 

I had been offered to put my loans in forbearance but after seeing so many horror stories on the news I feel that it is not safe to do so without at least presenting my issues to the public and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
We have been working with XXXX Mortgage servicing aka Bank of America for a mortgage loan that has been in arrears ( long story, Countrywide and BOA takeover ) and we have been trying to workout for 8 years. The current status is I contacted XXXX the end of XXXX to let them know we have a homebuyer that is pre approved and wants our home to move in end of XXXX. We did not receive any response except a certified letter of FORECLOSURE for XXXX XXXX on our residence on XXXX XXXX i contacted Shellpoint and spoke with XXXX in Loss Mitigation on XXXX XXXX and she said the payoff was sent to us and that we would even get relocation assistance with the Short Sale. She gave me the name of our Point of Contact, XXXX XXXX with XXXX and said she was sending out the paperwork, I asked for Short Sale and Deed in Lieu of Foreclosure, just in case. YESTERDAY XXXX XXXX, we received the paperwork for Short Sale. XXXX XXXX called after XXXX ( I had left him another message last Friday ) and he said he did not know anything about a Short Sale, that the home is in the process of a bank sale. I told him, it is on the website that XXXX is working with the homeowner for a short sale and he said he knows nothing about it, so I am enclosing that information. We have been strung out all this time with BOA and now we have a buyer and they want to rush to Foreclosure. I have 8 years of history, where do we begin? We want the opportunity to sell and resonable time to move. Thank you so much. XXXX and XXXX 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 explanation
Consumer complaint received 2016-10-18 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: IN

Complaint narrative:
I have asked time and again for XXXX loan forgiveness, only to be denied because my loans are too old or in default. I have been a XXXX for 19 years, and would never change that choice. I have given my life to XXXX our country 's XXXX. Sadly, I have accrued almost {$140000.00} in student loan debt, and will die owing those loans as I can get no help. I was given no counsel when I took out the loans, and besides that, I was very young. The income based repayment plan expects me to pay close to $ XXXX. I can not afford that. The company takes into no account the other bills I have, nor the fact that I do indeed need money to live on as well. I can not get help because I make too much, based on the scale, however, I can not afford the payments either. I need help! The Income based repayment plan is unrealistic and I continue to be denied XXXX loan forgiveness. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
After filing case # XXXX with this agency, I received the attached. No correspondence at all. Just these XXXX pages. Again- they 've not only wrongfully accused me of not paying a bill but one that is over 5 years old which I 've never received!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have had a mortgage for 13 years with Bank of America. I was late with my payment for XXXX 2015 but had properly submitted the payment with late fees through the Bank of America online mortgage payment tool. The payment was accepted for the date of XXXX XXXX, 2015. I just received on XXXX XXXX, 2015 a letter from Bank of America stating my mortgage loan has been transferred to XXXX and saying that Bank of America has cancelled my payment. The letter is dated on XXXX XXXX, 2015 but I received it almost 10 days later. I have no information from XXXX and I fear that my home is now at risk. I can not reach anyone at either Bank of America or XXXX because all of this came to me on the weekend and it is outside normal business hours. This is absolutely irresponsible and can not be legal or ethical to FAIL TO COMMUNICATE in ADVANCE a loan transfer.

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 — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
Navient has been ruining my life for years. misguiding me in repayments, not releasing my cosigner, and harassing me and my co signer daily. I have been trying to find a way to repay them, but even with their " programs '' it seems as though I 'm still getting scammed. because my financial statement i give to them has no allowance for me to make payments to them. They are by far the worst company and i do n't know how any of them sleep at night knowing they single handily destroy peoples lives. I am always making a decision to pay them or eat. which is not how someone should live. They XXXX me out beyond belief with the harassing phone calls and the threat to if I do n't make payments I will be kicked out of the " program '' which barely helps me anyway. Something MUST be done. forgive our loans! take down Navient!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
on XXXX XXXX, 2016, there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America, i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016, the only thing i applied for was a secured credit card. Bank of america pulled my credit report without my consent. So the company is engaging in fraud and identity theft. There is mutiple inquires on my credit report. so i decided to file a compliant.

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 2016-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Dear Gentle People at Consumer Financial Protection Bureau I was referred to you and read the article about CFPB and student loan unsavory practices. I made a lump sum payment ( XXXX ) to XXXX XXXX in XX/XX/XXXX, " students making a lump sum payment toward the principal are discovering that companies servicing their loans are making it harder to save money on interest charges. '' I recently discovered this with my student loans. 
My loans are started in XX/XX/XXXX for my XXXX degree to my XXXX in XX/XX/XXXX. My loans were under XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX and then transferred to Navient. 
XXXX XXXX has no record of my loans or loan payments at all!! 
I applied for the Public Service student loan reduction payment plan with XXXX XXXX in XX/XX/XXXX. 
Navient stated I would have to reapply and start the program over! 
Navient only has records going back to XX/XX/XXXX. 
Whatever you can do to help would be greatly appreciated! 
Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.

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 2015-06-16 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: GA

Complaint narrative:
I have some student loans through XXXX XXXX, now Navient. I have been trying to make payments with them- but they are unwilling to work with my income. They continuously try and give me a monthly payment that is way beyond what I can afford and refuse to work with me even though I keep telling them that I am willing to pay but that I just can not afford the minimum payment they are offering. For the longest time they told me my only option was to pay {$150.00} to put my loan in forbearance, which only results in more interest. This is a vicious, disgusting cycle that only allows them to XXXX you into owing them more money. This company is preying on honest Americans who work hard and are just trying to pay off the cost of their education!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: MD

Complaint narrative:
Over the telephone, I closed my several years ' long cell phone account with XXXX XXXX which I had been paying off in full monthly and for which I had no contract going forward. I paid the itemized bill that I received within a month 's time of the closing. Several months later having gotten no correspondence in the interim, I received a bill from XXXX XXXX for a single amount due approximately two month 's service, but with no itemization or explanation. When I attempted to review my account on-line it was no longer available. I took no action to pursue their charge, but XXXX has turning over what they perceived as a debt to a variety of debt collectors, the latest being Jefferson Capital Systems ( {$140.00} ). I went to buy a car about 10 days ago and while I did get the 0 % APR car loan, I was dismayed as to how low my credit score had dropped since I had last heard, about XXXX points. I requested my credit report today and while I do n't see XXXX XXXX, I do see Jefferson Capital Systems ( closed ) as another account citing the {$140.00} amount as a reported balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
While on vacation in XXXX my Bank of America credit card was lost/stolen ( out of my possession without my knowledge and used without my permission ). As soon as I realized the card was not in my possession I reported it lost according to expected protocol. A fraudulent XXXX account was set up on the thief 's phone using their own thumb print and my credit card to set up Touch ID while out of my possession due to what I believe are perilously lax verification processes set up by the card issuer. Multiple fraudulent transactions were made using my card ( possibly using magnetic card swipe, or XXXX, I do n't know because Bank of America wont tell me ) I was rapidly reimbursed by the card issuer for all transactions EXCEPT the XXXX transactions made in the XXXX totaling nearly XXXX XXXX dollars. 
My Card issuer has closed the case, stating that I am liable for the charges, which have been transferred to my new card. It is my belief that XXXX have refused to reimburse my card issuer, ( for obvious reasons to protect the infallible image of their new digital pay method ) and consequently Bank of America have refused to reimburse me. Their decision is not based on fact, truth or lack of trust in me, it is simply based on a bottom line, business model of profit above all. I base my belief on the many media articles I have read, published in 2015, reporting exactly this sort of fraud, which is damaging XXXX XXXX, credit card reputations and has seen a spike in credit card fraud from the expected 0.19 % to about 6 %. 
Despite numerous requests, personally and through a Bank of America representative, to open a new investigation and to use my evidence to prove that I was not in the XXXX XXXX at the time of the purchase this case is still closed and unresolved. Evidence in my defense has not be asked for / disregarded by Bank of America. 'Evidence ' offered by Bank of America has been spurious and unrelated to the real facts of the case that relate to DIGITAL fraud. The bank therefore must demonstrate that they understand the processes by which digital fraud can take place and take financial responsibility for such fraud as a result of their negligently weak safeguards which resulted in an enormous breech of security on my credit card account.

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