vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-24 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This week - XXXX - I received XXXX letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a boat or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 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: TX

Complaint narrative:
My loan servicer is Navient. In XX/XX/2016 I applied and was placed into an " Income-Driven Repayment ( IDR ) plan '' I recertified in XX/XX/2016. Instead of placing me back into Income-Driven Repayment ( IDR ) plan I was placed into a 12-month forbearance. This is not conducive in my path to repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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:
Duplicate Navient student loan reporting on my XXXX credit report. One is reporting open with a balance and the other is reporting with a XXXX balance with the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: KS

Complaint narrative:
I have my loans through Navient. They purchased XXXX and so they have my private loans as well as my federal loans they bought out. The interest rate is so high on my private loans that it will take forever to pay them back, even though I selected the 10 year repayment program. I went XXXX after graduating and so my interest rate shouldve been capped but I am pretty sure they were charging me a higher interest rate even when I was on XXXX XX/XX/XXXX. I was on reserve status for XX/XX/XXXX-XX/XX/XXXX until after I graduated from XXXX school. Once I left XXXX this summer I noticed my private loans shot back up to greater than 13 %. Just seems like robbery. I am in the process of getting them refinanced so that I can get them paid off and not be a slave for the rest of my life. I can get you any documents that you might need. I have never missed a payment but my payments are high and I am paying around {$1000.00} per month just in interest. so majority of my payments are taking off interest. I have never received any contact from them other than email. No one has ever offered to help or offer information on the best course of action for paying off the loan. The interest is so high that it to me is robbery. I have excellent credit and an excellent payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: IL

Complaint narrative:
navient continues to refuse to transfer my loans to public service work program with my other loans through the department of education. I keep receiving letters saying not paid and I 'm late with additional interest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I are in the final process of refinancing our home. We started this process on the phone with an agent of Bank of America who quoted not only verbally but also in writing a program with a good rate on a 30-year fixed and a credit on closing costs that would require us only to pay {$700.00} out of pocket for the appraisal. It was a " special promotion '' and thus made their offer more competitive than others we were considering at the time not on the rate but on the closing costs. After essentially months of lost paperwork, unanswered emails, clerical errors, etc., days before we are suppose to " close '' they 've come up with some story of now, because of the " need '' to rerun a credit report, the closing costs have gone up and there will be no credit towards those costs. Out of pocket will now be {$700.00} for the appraisal, which we 've already paid, plus an additional {$5000.00}. That is totally unacceptable given we both still have the same income as we did when we started this process two months ago because we still have the same jobs, we have a XXXX of XXXX %, and are still just as qualified now as we were then. I believe this is just some bait and switch tactic which has forced us into a situation where we will now lose {$700.00} and have to potentially pay a higher rate if we go with another institution given rates have recently risen compared to what they were when we started this process. The delay in closing has been completely driven by the ineptitude and unprofessional behavior of the Bank of America employees involved which is documented by the string of emails we have with them over this time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I applied for and received a secured Bank of America Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear " X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the " Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Bank of America credit agreement. 

Thank you very much for your time, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I was given false information about statuses and payments for my loan. My deferrment date for my loan also changed. My loans were supposed to be in deferment until XXXX XXXX, Navient made my loan repayment change to XXXX XXXX. My interest rate was increased without my knowledge, and no one could give me an answer why. I was forced to take a forbearance for my loans, which continued to allow interest to occur during those timeframes without being offered any other options. They did not work out an affordable payment plan for me when I had a job change/was unemployed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
After Filling report with the Consumer finance about my over all experiences with Bank of America. The Banking Company sent me letter & banking statements in the mail. The letter stated They respectful decline my request for reimbursement. with this in mind, by reading the letter that was send from XXXX on the companies behalf, she did n't really do any research on the account. letter that was sent be to me by XXXX stated as follow, brief summery : ( There was no overdraft fee on the account. or Error/s ). I called in on the date after the funds where taken out of my business account. The agent that i spoke to was very helpful and under standing. The agent lifted the overdraft fee and and place on my account an Cr in the amount of {$150.00}. told me thats all she was allowed to do at that time. I am not sure if she made and case on my behalf for the remaining amount of {$280.00} that I am seeking an Cr for. When XXXX called in, she did n't ask me anything when calling just asked me how i would like to be contacted. I just think morally unjust and wrong the process that was taken after i was told the amount of XXXX was now permanent. They lied to me the consumer. someone that in trusted there money in your home for safe keeping. No matter how small the amount. As I am writing this i cant help but to feel distraught. Feeling unheard as an consumer. The fund where debited from my account with out any notice or letter date when the funds would debited from my account. an this is morally wrong with out and doubt. I would like to say that I am grateful there are banks that allow consumers to use their banking home system for our money safe keeping.

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 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I have XXXX accounts from CENTRAL FINCL CONTROL all dated XXXX 2016 that reflect debt that I did not create.I have made several attemps to contact them in writing and by phone and have been unable to get an answer as to what they are for and have stated to them that they are not my debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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: MS

Complaint narrative:
My loans through Navient were deferred because I went back to get a XXXX XXXX. I graduated on XXXX/XXXX/2016 with my XXXX XXXX. On the Navient website, it showed I did not have any payments due by my typical date of the XXXX of every month. In late XXXX ( after the XXXX ), the Navient website said I was due with a payment on XXXX/XXXX/2016. I paid all the requested amounts on all my student loans, and paid extra on XXXX of my student loans ( so that I could pay that XXXX off early ) - and this all happened on XXXX/XXXX/2016. My account on this date showed everything was paid properly and there were no notices of being late. 

On XXXX/XXXX/2016, I received my first e-mail that I had a payment due on XXXX/XXXX/2016 - except it was more than I expected. I log in to Navient and see notices that all but XXXX of my student loans was past due, and the past due amounts were past due for the exact amounts I paid on XXXX/XXXX/2016 for the payment due XXXX/XXXX/2016. I called customer service to get it corrected, but unbeknownst to me, they corrected by taking the amount I overpaid to XXXX loan and split it up amongst the ones that were overdue ( thereby reducing the overpayment intended to go to that XXXX loan ). 

Later in the day, I did not understand what they did, nor did I receive any notification over the phone or through e-mail about this matter, so I called them back. After sitting for a grueling 1.5 hours on the phone and asking to speak to a manager, I came to understand that since I graduated on XXXX/XXXX/2016, they backdated a payment due on XXXX/XXXX/2016, hence my original payment made on XXXX/XXXX/2016 for the XXXX/XXXX/2016 due date was retroactively applied to a payment that was backdated due XXXX/XXXX/2016. After asking how they can backdate a due payment over a month later, I was told it does n't matter because I was assessed no late fees and my account was up-to-date. At this point I hung up because further conversation was as pointless as watching paint dry. 

At no point did Navient notify me through e-mail or mailing that I had a payment due on XXXX/XXXX/2016. And at no point did Navient notify me that they were going to backdate a payment due on XXXX/XXXX/2016 - both e-mails and their website listing of messages prove they made no attempt in notifying me. 

If I had not overpaid that XXXX loan and had it split up to cover this ghost due payment, I would have been listed as being late and charged fees. I do not feel like I can be the only XXXX this has happened to, because in my talks with customer service, it is evident there is gross mismanagement - especially when my questions about how they can do this went unanswered and I was told it does n't matter because the account was up-to-date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 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: FL

Complaint narrative:
I have Federal and Private loan on Navient. On XX/XX/XXXX I called Navient to get the automatic withdraw from my account on my private loan, then i received a letter that the automatic payment was cancelled, they add the wrong account and they did the automatic payment and of course payment was reversal. On the web site appear to pay only XXXX dollars ( all intrest nothing principal ) when my total monthly payment is XXXX, after serveral calls they told me that eveything is correct and i do not have any payment reveral and that i do not have any automatic payment. When i call customer services they told me that i have to pay XXXX for prvate loans but when call private loan department they told that i hav to pay XXXX. After several calls they told me that they will call me to verify my account and has past 2 weeks and i still waiting. Today XXXX/XXXX/XXXX i call and they told me that i have to wait. My due date to pay the loans is XX/XX/XXXX and i dont even know how much do i have to pay. I am worry about the payment reserval that could affect my credit, but as per navient I do not have any payment reversal or any late payment. Information on the web site is really innacurate with the information via phone. Fo a mistake of Navient employee of putting the wrong accunt number my loans and my payment are not correct. I have been paying this loans for years andi want this nightmare to end as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Basically I started an account with bank of America because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: IL

Complaint narrative:
I have Navinet and was told I had to do a forbarence in order to bring my account current to do the IBR. They reported my payments of IBR and it lowered my credit score. I pay my bill through their site which is now no longer working and they say I am missing payments. I ay what the online says each month. Apperently not all of my accounts are in one profile? I do not know where my payment is going? Site just went down this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 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: OH

Complaint narrative:
I have been having problems with Navient Private Student Loans. Every time I contact them to provide me with information and help I am told one thing by one person. I call back to speak with that same person and I have their extensions and id numbers but I am always transferred to someone new and they say that I am unable to speak with the previous person. I have been told several things about lowering my bill all have been different from the last. I am unable to pay the insane monthly payment of {$1300.00} they said they could lower to just interest payments at {$1000.00} something. I was told they could even lower that but I would have to wait until my bill is 1 day past due or more so I would be in default then they could lower my payments. I asked if they could just do it now and the last XXXX people have told me that I have to skip a payment in order to do that. The first person said I could lower it to only {$700.00} a month for the first 12 months which would help out the most but now they are saying not guarantees and that I can not even be assessed for that until I am past due. They are charging extremely high interest rate ( 12-14 % ) and I do not even remember agreeing to those high of terms. Something seems very off about the whole thing and process they are taking. I talked to them about doing a debt settlement because i had contacted a law firm, XXXX XXXX, and the debt settlement payments would only be {$1000.00} a month so way lower than Navient. All of my loans were done through XXXX XXXX and now it says Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX XXXX I began receving installments invoices from Wells Fargo Dealer Services with varied payments amounts sometimes twice per month, not consistent with my normal monthly payment of {$310.00}. I did not panic but continued to make payments as stated on the monthly invoice as listed below : XXXX {$150.00}, XXXX {$130.00}, XXXX {$270.00}, XXXX {$100.00}, XXXX {$270.00}, XXXX {$230.00} and XXXX {$180.00} ( my last payment ). To my surprise, in late XXXX I received a letter from WDS stating that my account was charged off and is in collections. Now mind you, I never got a call to inform me ( like most reasonaly business would do ) of this issue over the course of XXXX. So, I called WDS and was told I must pay them {$3000.00} plus dollars to bring my account current. They said they are not culpable for any mistakes made, invoice are mailed as a courtesy and I should have continued to pay my installment of {$310.00}, not what the invoice stated. They concluded that I am 358 days past due despite my payment history listed above and I pretty much brought this on myself, therefore they are not culpable. What casued the problem? In XXXX the began posting another customer payments to my account and still continue to do so. I received an invoice in XXXX, XXXX stating that my balance is {$440.00} and a payment of {$180.00} is due, which I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I Received a current escrow analysis 2 days ago from Wells Fargo Bank. It showed that my projected and actual insurance premium was {$360.00} annually from XXXX XXXX, XXXX to XXXX of XXXX. The truth was that XXXX had sent Wells Fargo Home Mortgage a Notice of premium increase to {$390.00} on XXXX XXXX, XXXX, which was processed & Wells Fargo who issued XXXX a batch check confiming on XXXX XXXX, XXXX notice and receipt of payment from XXXX was completely ignored by Wells Fargo XXXX and they chose to continue to use the old XXXX premium amount, {$360.00}, through all of XXXX and through XXXX of XXXX. Wells Fargo made a mistake and XXXX different agents even argued with me saying they had not been informed of the premium increase in XXXX. Wells Fargo.needs to be responsible and pay what is owed, not me. According to XXXX I am paid up and owe nothing more for the next year. I am confident that during the past 15 years or more I have paid money to compensate for Wells Fargo Home Mortgage 's errors or intentional negligence. I am a XXXX and I wish to sue them, for non compliance and straight out lying and blaming others for their own neglect and sending out incorrect information. I want to be compensated for all of the time I have spent attempting to get to the bottom of the mess and of course we know who was found at the bottom, no one but Fargo Home Mortgage, They take advantage of their own employees with low pay and high demands and they view poor people and working Americans as walking dollars which they can easily collect more money from daily for just about any reason, whether true or false, I will add the files from XXXX showing their premium notifications to Wells Fargo when I receive them next week, .Thank you. XXXX XXXX XXXX. 

XXXX 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