vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
I sent a money order in and it did n't get posted. My payments are never later than a day after. I noticed my payment did n't post after 7 days from the due date. I called and I was told I have to send a copy of the check being cashed. After doing my research to recover my money order stub. The copy of the stub showed that I forgot to put my account number on the money order. I sent a copy of the money order being cashed by Navient to Navient. I have yet to see my account be credited the amount of {$87.00} since XXXX XXXX, XXXX. Same thing happened to my husband in XXXX in the amount of {$280.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I applied for re-modification loan file with Bank Of America starting months ago with my husband but was decline with my husband due to LTV/ratio and was told was qualified to do a short sale ; however due to changes in my marital status, I re-applied on my own immediately right afterwards. Bank Of America still had all my information from previous loan application submitted with exception of the separation/divorce agreement ; however other than my processed application, Bank Of America kept requesting the same information over and over again that was given previously one being the XXXX. I sent them the actual Tax Returns XX/XX/XXXX and the signed XXXX a few times. They requested the my HOA information a few times after I forwarded this information to them and all this was before there was a Foreclosure date of sale date on my home. After all this I finally received a letter in the mail stating that my home was schedule to be foreclosed on XX/XX/XXXX and at this time the only document underwriter was awaiting for was my Separation/Divorce Agreement I sent the a copy of the agreement but it was signed to show proof of my situation. Prior I spoke to a Manger who informed me while speaking with underwriter that only document awaiting was the Separation/Divorce Agreement to complete the review and postpone the Foreclosure on my home, I forward the information once signed and notarized on XX/XX/XXXX from my attorneys office as requested and received fax confirmation that documents were received with all the pages. I called Bank Of America per instructions to verify and Representative stated they did n't receive the documents even though I had a confirmation stating they did. I refaxed and was told by XXXX XXXX that I was too late and possibly the foreclose will still go through even though I was told by Office Manager that once I faxed the required document needed the Foreclosure will be postponed to allow the Underwriter to complete review and inconveniently non of the conversation I had with the Office Manger was documented within the system per XXXX XXXX that happened on XX/XX/XXXX. I 've been given nothing but the run around when seeking assistance with trying not to lose my home with the constant request of documents already given and having to keep giving the same application information like my income which was done on previous application and new application entered only to receive no help. I do n't know what else to do. If I lose my home I do n't have anywhere else to go.

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 2017-01-26 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: IN

Complaint narrative:
My loans are serviced through Navient. I was enrolled in an 18 month payment program in XX/XX/2015. I was to set up 18 months of payments at that time and to indicate the days the payments were to be deducted from my account. The main idea behind enrolling in this program was to help me become current with my loans. Everything went fine until I checked my credit report and found that the funds were misapplied and as a result it showed that I was delinquent on XXXX loans for 60 days ( it was reported in XX/XX/XXXX even though I had been making payments in the program since XX/XX/XXXX ). This affected the credit of both myself and my co-signers. To make along story short, I asked for them to look into it and reverse the delinquency but was first told that it was correct and there was nothing they could do. I received no notice ( though they said they sent something ) that they will not reverse the decision. Then I had to call and plead my case for several hours and finally was able to talk to someone. After this they reversed the decision but this is still going to show up on my credit report when it should n't have been there at all. This will affect me for the next 30 years as I buy a house or try to obtain credit for other purposes. It makes me wonder what other payments have been misapplied or otherwise mishandled leading to penalties or other financial ramifications. I add this in the hopes that it will further the case with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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 was XXXX hours a way from home and I tried to use my debit card to buy gas and I was told the card was declined. I call Bank of America and they said that my card has been canceled. I try to tell them that I am far from home and I had no money for gas and all I need is access to my money and they said there is nothing they could do. Do they have the right to hold my money and black me from accessing my own account.

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 2016-07-25 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: CT

Complaint narrative:
In XXXX 2015, an automated payment to Navient was returned for insufficient funds. I then immediately contacted Navient to correct what had happened. They then proceeded to attempt another payment, but from the wrong bank account. They then contacted my sister for a payment, and ended up receiving two payments later in XXXX. They then posted SEVEN late payments to the credit rating agencies. I placed several calls this XXXX to correct this matter, including one on XXXX XXXX when their rep stated all the late payments would be corrected due to " multiple servicing errors '' on Navient 's part. In a subsequent call, the same rep reneged on this and Navient removed just two late payment entries, leaving FIVE remaining. There was one " missed '' payment that was immediately addressed, so leaving five late payments on my credit due to Navient 's incompetence and inefficiency constitutes an unwarranted and unmerited assault on my credit rating. I respectfully demand reversal of at least most if not all this negative information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Making it impossible to pay back student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Bank of America to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Bank of America decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-12 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: OR

Complaint narrative:
Dear Director XXXX 

I want contacting with Director XXXX about Bank of America's XXXX that I posted "I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Bank of America to XXXX or XXXX, stopping Bank of America uses overdraft fees.   Bank of America hated my appearances and XXXX which Bank of America made made their opposed to XXXX" issues  they do not interest in me with Bank of America account.   I seek for authorization official helps me moving from Bank of America to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 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: TN

Complaint narrative:
My loan account with Navient is set up to automatically draw from my bank account. The amount withdrawn is greater than the minimum payment for all of the loans combined each month ; however, every month for the past number of months I have been charged a late fee. I contacted Navient and was informed that there was an issue with the allocation of payments, leaving some loans overpaid and some underpaid. They assured me that this would not happen again, yet it continued. For the months I did not realize this was happening, it negatively impacted my credit score. Although I was reassured monthly that this would not happen again, it continued happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. 
Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code 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 2017-01-29 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: NV

Complaint narrative:
I no put atencin in how much Bank of America was taking from fees to me I think sino right that we working hard and they just take easy money in the packette

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 2016-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
i have a mortgage with citizens bank for my home for a small amount, maybe 10-15 % of its market value. i have had this mortgage since 2012 and make my payments in a timely manner. i opted to pay my own taxes and have been doing that, but possibly twice i underpaid or was late in a tax payment and citizens bank insisted that they needed to set up an escrow account. These events were unusual for me, coinciding with a trip abroad and then an emergency in the family and i rectified them as soon as i was aware. As i have been paying taxes, they have paid overlapping payments, requiring refunds which seem to be sent to them, or payments forward. The escrow account that they have set up demands an amount for escrow that is outrageous, resulting in approximately a 50 % overage by the end of a tax year. i have tried to call the person at citizens bank who manages my account but she is " away from her desk or on another call '' EVERY time that i call and never returns a phone call despite my messages. customer service keeps referring me to her and assures me that they have contacted her department and that i should expect a call back. 
i want to pay my own taxes. i also want citizens to be put on notice that they are not allowed to charge excessive amounts to any of their clients and that customer service should include answering phone calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. 
It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I had my credit pulled and found a collection item from a company called procollect for {$940.00}. i called them and was told this was from physicans emergency care someone who i never received service from asked for a itemized statement they refused said pay or they would make thing worst. I contacted XXXX XXXX XXXX to find XXXX WAS TERMINATED FOR FRAUDuLENTLY BILLING HOSPITAL PATIENTS, TRIED TO CONTACT THEM to dispute BUT THEY FILED BANKRUPTCY AND ARE NO LONGER IN BUSINESS. procollect has violated my right to privacy and the hipp act. this is not a valid debt they have cost me harm my credit score has been negatively affected dropped from good to bad

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: AZ

Complaint narrative:
In XXXX I needed money to help getting to a job interview in XXXX, XXXX from XXXX XXXX. I had received a flyer in the mail from Big Picture Loans a couple weeks earlier. I took out a {$600.00} loan with a fee of {$210.00} for a total of {$810.00}. I have made {$630.00} in payments thinking that I only had one payment of {$210.00} left. I called today to see what my balance was and found out that it is still {$810.00}. I was never told that I would be paying {$210.00} in interest each month. I was led to believe that my payments were going to pay off the loan in 4 months. WHAT A SCAM

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I sent a letter on XXXX XXXX, 2016, by US Mail to Citizens Bank in XXXX ( directly to XXXX XXXX, manager of the XXXX XXXX branch, with whom I had spoken previously ), requesting XXXX info on my late uncle 's account. I followed up a month later by telephone and was asked to email the letter, which I did. Numerous follow-up calls, emails, and letters went unanswered. It was not until I took my complaint to XXXX and XXXX that I got the desired result, more than 6 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: OK

Complaint narrative:
I had an outstanding XXXX balance, they had first sent it XXXX, then they removed it, and they sold it to enhanced recovery where i settled and paid my debt, I then received XXXX phone call about still owing my XXXX XXXX XXXX bill to XXXX. XXXX XXXX XXXX had never closed the account, and still shows i owe a outstanding balance. I am not sure which company is at fault, I just want it taken care of. I have been on the phone with enhanced recovery all day trying to get an paid in full email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: NV

Complaint narrative:
Not sure if I have this marked under the correct section. Here is the issue. I checked my credit score last week and seen this XXXX had put something on my credit report. The issue I have is they reported it 2 times on my credit report which dropped my credit score greatly and now I am having trouble getting credit I needed. I called them and they acknowledged in error they put it on there 2 times it should of been removed immediatly in my opinion

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have a savings account with Citizens Bank, where I only direct deposit funds and I use it to online transfer money to my family, who also have Citizens Bank accounts. I recently had to transfer {$25000.00} into my father 's account, and so I called Citizens Bank directly and asked them what would be the easiest way to complete this. I specifically asked about their transaction fee limits ( are their fees associated, is it a monthly limit, how much money do I need to keep in my account at all times ) and they told me that 1 ) there are no fees if you are transferring within the bank ; 2 ) there is a transaction limit of {$2000.00} but there are no monthly limits so I can transfer {$2000.00} as many times as I would like ; 3 ) I need to keep {$300.00} in my account at all times as a minimum. I was extremely pleased with the call - and just made XXXX transfers of {$2000.00}. The next day I was charged with XXXX Excessive Transaction Fees ( {$15.00} each ), and then XXXX Service Charge ( {$15.00} each ) - totaling XXXX fees of $ XXXX/each = {$90.00} in fees. I called back Citizens Bank and asked them why this happened, when I clearly called and asked for advice on the correct way to transfer these funds. They confirmed that their agent miscommunicated the rules of my account to me, and due to Reg D restrictions, there was a cap to how many transfers I could make in a month. I told him that if I had known this - I happily would have just found another way to transfer these funds. The agent apologized, but said the only thing he could do was give me {$30.00} of the {$90.00}. I was upset and asked to speak to his manager. The manager confirmed that EVEN THOUGH I called Citizens Bank and asked to be reeducated on the transfer limits and fees of my bank account, and EVEN THOUGH they miscommunicated those requirements to me, that I was the one who was at fault, because I am required to know the rules of my account at all times. He told me that I should have read all this in my account agreement when I started - which is fine, I can agree with that - but then I asked him if I was to call in and ask to be reiterated these requirements ( which I did ), should I not expect that they will communicate these regulations to me appropriately. He said that although they were there to help - they were NOT required or liable for miscommunication. 

I happen to work for XXXX XXXX - and I know that they are NOT allowed to withhold financial requirements of my account, especially when I call in and ask to be educated on these requirements. I am EXTREMELY upset, and believe they are being abusive and deceptive to their customers.

Company response to consumer: Closed with monetary relief