vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My mortgage loan was sold during foreclosure proceedings and I was not given prior notice. I received the notice on XXXX XXXX 2016 and the date ownership transfered was XXXX XXXX 2016.

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 2016-03-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Constant calls from number entered on form and ( XXXX ) XXXX. These numbers call on average 4 times a day, sometimes within an hour of each other. Any message left is usually dead air, but usually no messages left until about a month of calling, usually within a week of a loan payment issue. This has been going on since the loan was starting to be payed ( approximately 2008 ). They were also told numerous times to not call my cell number, especially without leaving a message. The same type of call patterns are done on my house, cell, and spouses cell. At one point in time the loan payments were in properly distributed. That happened for approximately a year before anyone caught this ( information from company ). I had heard that the company was and the school were sued for improper loan practices, but anytime information is asked for they skirt the issue and ignore it as if I was an XXXX. As I have been working in public service since before the loan was required to begin payment, I have asked on information on loan forgiveness for public servants, with no reply to the question or no reference information. I belive some of the resolution to payments have possibly caused me to give up the chance at loan forgiveness. If they have, I was never told this was going to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 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: GA

Complaint narrative:
I am soliciting your help in reversing an illegal fee charged to my account with Bank of America on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have a primary home loan from XXXX located on XXXX XXXX in XXXX XXXX California. The loan balance of {$66000.00}. Also, we have a Home Equity loan from Bank of America. XXXX is trying to refinance our loan on our home, and Bank of America is not allowing them to refinance the loan of {$66000.00}, because they are not releasing the subordination. I have been a loyal customer of Bank of America since XX/XX/XXXX. All my family members have accounts at Bank of America and I have also a business account. We have also the rental property and my XXXX property with total equity of over XXXX. 

The refinancing will save us {$1000.00} in monthly Mortgage every month, which I can use to pay our debt. 

I made a written appeal to Bank of America, Subordination Department. However, they did not respond to my appeal. 

My husband is XXXX years XXXX. He underwent XXXX XX/XX/XXXX. Refusal by your bank to allow refinancing has affected his health and he is in distress. According to federal Government rules, people should be permitted to refinance the mortgage. 

I would like to ask request to help in this matter. 
Thanks, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-15 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: IL

Complaint narrative:
I was a student for XXXX XXXX XXXX in XXXX, MO and was led to believe that I would have employment assistance and a great salary upon completion. What I graduated with was XXXX in student loans XXXX half of which are federal ) and a " degree '' that no employer finds useful. Now I have ballooning student loans that keep me up at night because I 'm unable to make the payments. I have tried to contact Navient and am informed that there are no payment soutions for me under {$810.00} a month. Thats an obscene amount of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient calls me from 4 to 10 times a day about a loan balance that I have written letters to them about, talked with 6-8 of their representatives about, and wrote them to quit calling me all the time. I wrote telling them they were harassing me and I would get an attorney to sue them. They said they were immune to harassment laws and they did not apply to them. They have called me repeatedly every day, even XXXX, and as late as XXXX. I have records on my phone of over XXXX calls from them since XX/XX/2016. Now they are threatening to sue me or take it to litigation. I told them all what I could do since I am on a fixed social security income and have health problems so I can not work, not to mention the fact that I offered to pay what I could and they did not accept it. I have received calls from every office they have in the country. One stops and another starts. It is ridiculous and has my nerves on end. They even charged me with loans that they had turned back over to XXXX University and I paid XXXX in full. Now they have called my daughter and my husband concerning these loans and it upsets me very much. My daughter is living on XXXX, needs a XXXX, and has XXXX which we do n't know what they are. It upsets her for them to call her and I am worried about her health. If this is not harassment, I do n't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work.

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 2015-04-18 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: NV

Complaint narrative:
I have been unemployed and have been receiving harassing phone calls constantly ever since I could n't pay. I attempted to start a payment plan on what I could currently afford and was refused because they did n't consider it enough. I requested the phone calls to stop and they refused stating they could call and harass me XXXX times a day by law. I know I can request a stop in calls but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Deposited check from XXXX to Bank of America checking account. Bank of America initially said it would clear all funds in 2 days. Used debit to pay after 2 days and was hit with {$35.00} fee for bounced check and another {$35.00} fee for being overdrawn. New update that same day from BOA chat rep said that the check from XXXX XXXX was being held for 5 days for my protection. They lied upfront on the delay and then extendeded delay in depositing that money from XXXX XXXX to INTENTIONALLY incur fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: GA

Complaint narrative:
I received a letter and payment coupons from Navient in reference to student loans for the first time this month. I never heard of the company and never had any contact with them prior ( had to research the company ). They stated I had a loan disbursement dated XXXX/XXXX/XXXX ( see the attached document ). I am not sure how that is possible because I did not apply for a loan in XX/XX/XXXX. There was no letter advising on the history of the loan ( how it originated and with whom ). I can not validate this is my loan but I am expected to start payments XXXX/XXXX/XXXX. This is not acceptable. Also the amount expected to be paid is too high and I can not afford it since I recently came out of Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: AL

Complaint narrative:
In XXXX I attempted to call Navient about my student loan. I could not find the number so I XXXX it. When I called the number a XXXX XXXX answered the phone and asked me was I calling about my student loans. He may have said are you calling to consolidate your student loans. I told him I was calling to request a deferment on my student loans. He went through the spill of telling me about the federal government forgiveness program. I had heard of it but never checked into it nor read about it. What he told me I took for truth and he told me that the federal government was offering the loan forgiveness program if you qualify. He asked me a few questions and determined I qualified. He told me it would cost {$390.00} and XXXX $ a month for 20 years afterwards the balance forgiven. I told him I had to think about. Up until now I thought I was talking with representative from Navient ; he then told me to think about and gave me the correct number to call Navient. I did not mention this to Navient when I called ; I only ask for the deferment information. After a few weeks I decided to call XXXX XXXX back, thinking he is with the XXXX to start the process of loan forgiveness. Unfortunately after I paid the {$390.00} to XXXX XXXX and was not able to get back in touch with him the next day I felt uneasy. I paid this money on a Thursday, Monday I called Navient to tell them what happen. They inform me that I had talked with a third party company. The company XXXX XXXX is with is called FedLoan Help Center. Navient informed me that they were playing off the name XXXX XXXX with is a legit company they deal with for consolidation and loan forgiveness and is a free service. I have called and emailed XXXX XXXX, no response. I will continue to call the XXXX XXXX XXXX to request a refund, but I have signed papers electronically and I am not sure how far I will get or how long this will take. I am furious that he had mislead me to believe he was with the XXXX and that the Federal Government was offering loan forgiveness for XXXX $ and XXXX $ a month for 20 years and then I would be forgiven for the balance. This company has misrepresented themselves on googled and used wording to make you think they are with the Federal Government and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: Colony Brands, Inc.
State: TX

Complaint narrative:
On XX/XX/2016 I Disputed a request with Montgomery wards Store acct # XXXX that they placed on my credit file no response then request XX/XX/2016 no response I recent another dispute on XX/XX/2016 that they would remove this account from my credit file and yet still have n't heard anything from them so I 'm asking to remove this claim from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX, 2016, I deposited via ATM a Cashier 's Check from a local bank to my Bank of America checking account. I received a receipt allowing immediate access to {$200.00} and the balance held pending posting of the deposit. I then paid expenses within the limit from the checking account. Those payments were honored by the bank. Much later that evening, BOA then placed a hold on the entire amount of the Cashier 's Check for 10 days, thus reversing the honored items and charging overdraft fees. As required by their policy, they gave no notice of doing so until XXXX on XXXX XXXX, 2016. The bank was closed on XXXX/XXXX/16. I went to the nearest branch on the morning of XX/XX/2016 and met with a banking officer to be told they may have felt the " Cashier 's Check '' may have been dishonored by the issuing bank. There was nothing they could do until he could call the issuing bank to confirm they will honor the " Cashier 's Check ''. Then on XXXX XXXX, 2016 at XXXX I received an e-mail from BOA providing a link to their notice of a hold being placed on the entire amount of the " Cashier 's Check ''. That link connected to a letter dated XXXX XXXX, 2016 to me the reason for the hold, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My account remains " overdrawn '' and no funds available to me for medical and living expense. My wife and I, both over XXXX, exist on our Social Security payments and BOA has inflicted severe stress upon us.

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 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My checking account information with Bank of America was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.

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 2015-10-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
NC State Employees Credit Union1 ) Allowed an unauthorized person, not on my personal checking account, to access and spend my solely-held checking account funds. 
And/Or2 ) Used my personal solely-held checking account as an unauthorized overdraft for an account held by another person. 

NC SECU refuses to remedy the damage done to my account, and insists that it is on me to reclaim my funds from the unauthorized party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: MD

Complaint narrative:
I have submitted a loan discharge application due to school closure ( XXXX college, XXXX ) on XXXX different occasions over the past 6 months and can not receive an response. XXXX : application sent by XXXX mail XXXX : application sent via XXXX and uploaded onto Navient website. XXXX : application sent via XXXX. These loans should be forgiven due to the fact that the school closed while in attenadance. I have made many efforts to begin the process by following instructions given to be my navient, yet I still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
A company named Navient a student loan lending company has contacted me numerous times regarding a old XXXX student loan that has been paid in full. Navient has no information regarding the loan, what school the loan was from the correct amount and many other discrepancies. I 've never received a student loan from Navient, I 've requested them to send any paperwork they might have regarding this loan they refuse and when called it seems more like they are fishing for information about the loan they do not have. They have contacted me by phone, text messages and emails. I filed a fraud complaint with XXXX and Navient refused to respond to them. Navient seems to be a company that finds old, outdated and paid in full student loans from other companies then try to collect on them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 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: MI

Complaint narrative:
I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. 

When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. 

They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. 

Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time.

Company response to consumer: Closed with explanation