vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-21 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I went to a Bank of America ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!

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 2015-10-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
I have been struggling to pay over {$150000.00} in student debt to Navient which at the time I took the loans in XXXX was Navient. I believe that XXXX XXXX XXXX now Navient XXXX had my university XXXX University XXXX XXXX XXXX push private student loans as the secondary way to bridge the financial gap to pay for my education. Grants and scholarships were not promoted as much as private student loans, which I was left with the impression was the only way to pay for school. 

Since graduation XX/XX/XXXX I have had to declare bankruptcy ( student loans were not discharged ) and have had to deal with the unprofessional and mistrustful corporation for the last decade. In the last 10 years I have never been given the same information twice from customer service reps. I have been told crazy things such as, " do n't worry someone paid your loan off '' and promised low payment plans to " help '' when all they do is compound insane amounts of interest and fees. I have paid over {$50000.00} to XXXX XXXX / Navient but my loans have still ballooned from {$130000.00} to {$150000.00}, making no headway. 

Their XXXX number is outsourced to another country. The employees do not know what they are talking about and are hard to understand their broken XXXX. They charge a {$14.00} service fee to take a payment over the phone with the debt card, even though if you contact their collections department, based in the US, they do not charge a fee at all. The wait times are long and the phone system loops yous around and around. It is not uncommon to spend 45 minutes on the phone just to make a payment or resolve an issue. 

I have had payments meant for Federal loans be applied to Private loans and have had Federal loans go into 30-60 month passed due because of this. Recently, I asked for a total tally of how much I have paid them in total XX/XX/XXXX and no one can provide that info to me. I was told they do n't have that information. That 's impossible. I was told online through a customer service email that I could look it up online but when I searched the query, it said " Error - can not process ''. Deceit, lies, untrust are the words that come to mind when I think of Navient. 

No way out, no way to refinance it, struggling. Need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I applied to XXXX XXXX, in XXXX, NC on XXXX 2013. I took XXXX XXXX classes, which is a 2 yr program. Every semester the school would do our loans and all we did was come in and sign the paperwork. The school notified the students that we no longer received our loans through Sallie Mae, and would not provide us with any more information. When I asked for all my paperwork explaining the fees for the loans, I was ignored. I further looked into the situation and found out that I was being charged ROOM and Board, Gas fees and additional fees that did not pertain to me. I have my own residence, supplied my own gas, etc, but the fees were being deducted from my loans regardless. I just do n't see why they were taking that money from me if non of those were provided to me. I would like some kind of explanation on why charge me for something that is NOT being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Bank of America branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements.

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Issues with repayment of loan and processing payments incorrectly. Please evaluate the issue and find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 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: NY

Complaint narrative:
In repaying a private student loan with Navient, I am making additional payments while currently on an interest only payment plan. Although I have not missed a payment they are telling me that I can not allocate additional payments directly to my principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: MD

Complaint narrative:
I am unable to pay on my private student loans under the circumstances that I have recently separated from my spouse and now I am taking on more responsibilities as far as carrying on more bills on my own including my XXXX minor children. I was recently in the repayment program but was dropped automatically as soon as I told my loan service provider that I am unable to make any payments at the moment. They told me I have exhausted my deferment and forbearance options and they are unwilling to work with me, stating that I am still responsible for paying a minimum of over $ XXXX monthly. My loans will go into default which in turn can destroy my credit and score. I would like something to be done immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a checking account with Bank of America last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion.

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 2016-08-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Since XXXX, I have been trying to modify this loan on my home which I built, have lived and worked in, since XXXX. I did, in another complaint against BofA, describe the trouble I experienced year after year with my modification applications for this negative arm Countrywide loan which has ballooned out of proportion in the process. 
I do not know when the Bank of XXXX acquired my loan as a " security ''. But I do know that their attitude towards my loan did not take into account any of the numerous mistakes made by BofA during the process, mistakes that caused me much grief and produced endless delays in the processing of my application, also causing this toxic Countrywide loan to balloon out of proportion very early on in the process.

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 2015-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Found on my credit report, never received anything in the mail about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 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: MA

Complaint narrative:
I went to school to become a XXXX. Once I graduated everything was great. I was working full time and paying everything on time. XX/XX/2011 I got into a bad car accident on my way to work that left my not about to work in my field. Now I would at a desk job not being able to make as much money as I would as an XXXX. As it was I was barely being able to maintain my $ XXXX monthly payments. Just XX/XX/XXXX they raised my bills to {$1400.00} a month. There is no way I can afford that seeing how I only make {$XXXX} every two weeks. I tried talking to them and I have been working with they attorney generals office. All they say is they wo n't lower my payment because my dad cosigned and between the both of use we have good credit and never missed a payment. So instead of helping us because of being good customers they would hurting us. Now my father and I are struggling to make the payments and I am about to default. They would rather see me ruin both my credit and my fathers then to lower my payment and get their money. 

I know I took out the loans and I have no problem paying them back. But life happens and they need to understand. If they just make it reasonable for me to do so I will be more then willing to continue to by my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CA

Complaint narrative:
School XXXX Lender NAVIENT PRIVATE LOAN TRUST Disbursement Date XXXX/XXXX/2005 Original Principal {$8600.00} COSIGNER XXXX XXXX XXXX I asked for a student loan for career training on the promise that I would have a " good paying job before I finished the 6 month course '', but the reality was different, had to look for a another job not related to training.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NY

Complaint narrative:
For years I have had issues with XXXX XXXX, which later became Navient. One of the first statements I received from them was a garbage printout of seemingly random numbers and letters where my loan info should have been. I had several Loans with the company ( then XXXX XXXX ) and each had its own collection amount and a different due date. When I called to speak with a representative, they would only confirm XXXX of loans ( direct subsidized paired with an unsubsidized ), but would not confirm any other loans which i was receiving mail for. I decided to Consolidate all of my loans through XXXX XXXX, since i was familiar with their billing, and had no issues with that company. Somehow XXXX XXXX re-acquired the consolidated loan. I tried to file for financial hardship deferment and an income based repayment ; both of which were either lost or not completed by XXXX XXXX. When I consolidated my loans, I was made aware that my Private loan would not be included in the consolidation. XXXX XXXX also [ conveniently ] neglected to tell me about XXXX of my XXXX loans. Leaving me with a large consolidated loan, a private loan, and a third loan. I have since repaid my Private Loan, and I now have XXXX loans, under XXXX different Navient " Accounts ''. Their website will only allow me to access one of these pairs, but they send me paper bills in the mail for both. I have repeatedly complained and tried to get my accounts merged ; for a while I was n't sure if I was being scammed by a fake " XXXX XXXX '' / '' Navient '' and their operators are no help either. If a representative calls me about XXXX loan, they have no info or visibility of the other loan. This is very frustrating. Today I received my XXXX form and it has the wrong social security number on it! If this company ( now Navient ) can not properly maintain my social security information, which is a number that does not change, how can I trust that they are accurately maintaining my account [ that has variable numbers ]. I understand that Navient " being disorganized '' is not a reason to file a lawsuit, but I have serious concern and feel that this company has not only provided me with inaccurate and deceptive information, time and again ; but also that they purposely kept me from consolidating [ all of my loans ], and switching loan servicers, and also kept me from getting a needed deferment when I lost my job and also kept me from filing/ completing an income based repayment plan. Please look into this company 's practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have a pension plan with XXXX XXXX that is administered by Meril Lynch. Recently I was downsized and need the money to live on, but Meril Lynch has delayed the disbursement of funds for months. The required paperwork I supplied to them was properly notarized, then they claimed that it needed a notary seal and they wanted my passport or certificate to verify that I am not a minor .... Obviously, the papers I sent them were notarized properly by my banker and they do not need any proof of my age, because they have all of my information on file from my former employer -- age, sex, SSN, birth date, etc. They say, now, the funds will be disbursed on XXXX XXXX, but I am skeptical. When I cashed out a 401k with XXXX, they disbursed the funds lightning fast, which is what leads me to believe something weird is going on with Merill Lynch.

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 2016-09-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had applied for a bank of america credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later XXXX cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.

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 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Our original home loan was closed through XXXX on XXXX XXXX, XXXX for a 30 year fixed loan at a rate of XXXX. XXXX was underwriting for Bank of America. In XXXX I was laid off twice in one year and XXXX negotiated a new terms, with Bank of America, for our home loan to make it affordable. The new terms were for a 40 year fixed loan ( XXXX does not do adjustable rate loans ) at a rate of XXXX. The modified loan closed on XXXX XXXX, XXXX. Last XXXX my wife noticed that our online mortgage account reflected that our rate was adjustable as well as our statements. We checked our closing paperwork and nowhere did it reflect an adjustable rate mortgage. We contacted XXXX who also confirmed that our loan is a 40 year fixed. Over the course of the past 10 months, XXXX has had several communications with Bank of America, where the bank has admitted that our loan is a 40 year fixed rate loan and has agreed to correct our file, but has yet to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 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: CA

Complaint narrative:
Navient 's collection service XXXX called me at work claiming to be XXXX XXXX, a medical health Case working service that I use to support indigent people. I am furious that they are calling me at work, something they are not allowed to do and that they impersonated a care service that I use professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: CA

Complaint narrative:
My X wife attended the XXXX XXXX in XXXX XXXX. When we divorced we made an agreement in the divorce decree that she would pay her loans. It has been several years since the divorce. I am now remarrying and it is very hard to explain to my fiancee why I have a divorce decree stating I am free of paying the student loans, bit it still shows on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good morning CFPB, I wanted to add to my file case # XXXX. I wanted to also state that they have miscalculated my income to expenses, Bank of America has denied me on the programs Hardest Hit Fund/Bank of America 's loan Capitalization program. I have my application completed as showing {$7300.00}. B of A is showing {$6300.00}. Now of all these programs out there I can not believe that none can qualify us for a new a Loan Modification. Ok thanks for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america has no legal standing to collect my mortgage payments. There was an assignment of mortgage done years after the merger with bank of america and countrywide and the assignment of mortgage appears to be fraud to me. The assignor portion was left blank and so was the address. And the XXXX employee who signed it were employees of bank of america. Furthermore, countrywide was never assigned to hold mortgage. Bank of America has been collecting my mortgage when they are not the holder or hold the mortgage. I attached the attachment of mortgage and written letter I am sending to Bank of America today.

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