vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX/XXXX/2016 I lost my debt card issued by Regions Bank. I noticed the card missing on XXXX/XXXX/2016 and reported it lost via telephone. At around XXXX the banker over the phone shut down the debt card and took my current address and stated that a new card was going to be shipped to my new address. I also disputed some fraudulent charges that were made on the account. I also requested to be taken of the overdraft program and not to honor any charges if there 's no funds in the account. This was requested in order to prevent overdraft fee ( {$36.00} each ). On XXXX/XXXX/2016 I called regions bank and request a status on the new card and report that there is automatic payments that are hitting my account and causing the account to get overdraft charges. I explained to them that I was waiting for them to send the new card along with the results of the dispute. I then get XXXX different version of what happened to the card. The first was that the card was going to be mailed to my new address. The second is that they cant send me a card because I have to go into a branch and show them ID and proof of address, and the last that the card was issued to the old address and that it was canceled. I asked about all the overdraft charges and they said that they cant do anything about it, that my dispute was denied, that I have allowed other people use my card. So I am stuck with the theft and the over draft charges. I even ask them to stop payment on all accounts as I originally have requested but they said that they cant do that either. Every time I requested to speak to a supervisor something would happen to the line or it would ring for about 20 mins and then hang up. The last conversation was that a compliant was file with Regions, that the fees will remain, and that I have to go in to a branch. After almost two hours of my time, I got no where and now I have to take time from work and go in person and see if this can be resolved. I am very upset with Regions Bank, they lied to me, made me wait for a card for 15 days when in fact it was never shipped to the correct address and due to this error there is {$260.00} in overdraft fees. I really do n't think this is fair.

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 2016-01-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We entered into an agreement with our servicer on new payment terms for our mortgage through email with our attorney and their attorney. The servicer agreed to adjust our interest rate, reduce the unpaid principal balance, adjust our monthly payment amount, correct our property address and offered us a settlement amount of {$18000.00} in exchange for us dropping our law suit against the servicer with prejudice. The servicer than produced a formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) that provided language that we did not agree to. There was also an issue on who " relevant parties '' are regarding the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ). We exchanged emails with the servicer 's attorney to change the language in these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), but the attorney did not agree to changing the language and told us if we did not sign these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we would not have an agreement. The CFPB has found that these agreements are not required for the servicer to grant homeowners a loan modification. The servicer is now attempting to foreclose on our home because they will not grant us a loan modification without signing these formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) and never adjusted our interest rate, unpaid principal balance, monthly payment amount, corrected our property address and did not pay the settlement amount of {$18000.00}. As part of the agreement, we had to non-suit our lawsuit with the servicer with prejudice. Since the servicer 's attorney informed us that there is not an agreement if we did not sign the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ), we non-suited our lawsuit without prejudice. The servicer 's attorney filed a motion to get the judge to force us to honor the agreement and changed our non-suit to with prejudice. We did appeal the trial court 's decision and the appellate court ruled we did have a valid Rule XXXX agreement but that the formalized settlement agreements ( Including the confidentiality and loan-modification agreements ) exceeded the scope of the Rule XXXX agreement. The servicer has still not provided us a loan modification as agreed and plans to proceed with the foreclosure. The servicer had posted our home for foreclosure sale on XXXX/XXXX/2016, but we filed a temporary restraining order. That TRO expired on XXXX/XXXX/2016. Our home has now been listed for foreclosure sale for XXXX/XXXX/16.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting my old account as " late '' XXXX. This account was paid in full. They were reporting correctly and then erroneously changed my reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I filed a complaint with your agency and Bank of America never responded to me about my complaint regarding placing a freeze on my account without any correspondence in the mail or a telephone call. There is still a hold on my account and when I called them they said that is under review with no further information.

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 2017-02-10 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: PA

Complaint narrative:
I have XXXX student loans from Navienet and at the time my daughter started college so I had put XXXX other parent plus loan under my name as well. My daughter graduated XXXX 2016, I was making my payments but my loan were not going down and kept calling and they were telling me they received the money and they were being applied, it was not until my daughter started to pay her loans in XXXX when they said her payment was late that I realized for 4 years they were applying payments to my daughters loan who was not out of college yet. It took me 5 people to finally get someone to understand what happened and truth be told I do n't know if it was every fixed they sent me paperwork showing where what they did but what about the interest it looks like they just put the dollar amount back on my loan. this is a different department they does the correction and you are unable to talk to these people. This may not be a lot of money but the point being I was calling them and telling them something was wrong and they did nothing about if for 4 years. 
To your answers below many apply only able to check one box - Do n't agree with fee charges, Received bad information about my loan, having problems with customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: NC

Complaint narrative:
I have paid in {$1600.00} this year on my student loan alone ( with Navient ) and only {$260.00} came off of my balance. I made my payments every month even though they stated that a payment was not due because I had made so many payments and they were over the minimum amount. Every time I ask questions about how my payments are being applied., I get the run around. No one wants to answer my questions. All they say is that I owed in interest. I do n't understand how that is possible if no payment is due and I was making payments anyways. How can I be behind on interest? I ca n't seem to get any help. I do n't know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 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: MA

Complaint narrative:
In XXXX 2015 I spoke with a representative from Navient, and decided to increase my monthly payments to decrease the time I will be paying them back. I just got a notice that Navient changed my terms, and they decreased my monthly payment ( which increased the length of time I 'd be paying them back by 15 months ). I called Navient. The representative told me that " Navient had reviewed the original terms of the loan and adjusted them. '' This was without my request. What if I had n't been paying attention? How many people are paying attention? This seems like such a slimy move, a way to enslave people with student loans for longer. Perhaps reading this people would think oh good, I can pay less a month, and not Oh no, I 'll be paying for longer ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 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: IA

Complaint narrative:
My servicer will not give me a deferment or income based repayment plan. They tell me my co-signer can pay it. Why would I do that? I just need a lower payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: FL

Complaint narrative:
They are calling my job, a line that is for employees only and that I imagine somehow they got ahold of the number. I have never provided anyone with that private number. I reversed the phone number they left for me to call back with XXXX of my peers, and they seem to be a bill collector for Navient ; in spite of the fact that I have already told them not to call, they keep on doing it. They call from a local number, but when they leave messages with my peers they leave a toll free number. My peers are not there to take my personal messages, especially when I never provided anyone with that number. Except for telling them that they can not call there anymore, I have never had any other conversations with them. They are interfering with my job 's operation, putting my job at risk by calling numerous times and even speaking to my coworkers and telling them they want to help me. My employer is very strict and every minute counts. We are not allowed personal calls. I feel harassed, upset an embarrased at what they are making me go through at my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 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: VA

Complaint narrative:
I have been back and fourth with Navient/XXXX for over a year trying to work with them to get a lower interest rate for my loans. After filing the first complaint, I was told that I could participate in a program that would lower my interest rate to 1 %. The payment was still out of my reach but I agreed to the program. I submitted all of my information with a payment of {$300.00} and I was told that it would take a week for the program to be approved. I then received a letter stating that they could no longer offer me participation in the 1 % program but maybe I would be approved for the 3 % program which would increase my payment to {$400.00} a month. Mind you, I 'm a single mother with XXXX jobs on food stamps and Medicaid and I 've been diagnosed with XXXX. After they told me I was n't approved for the program, they have been harassing me day and night. Their customer service agents have yelled at me, told me to " get a better job '', told me " I was poor '' and that I just needed to pay my loan! Even being contacted by Navient/XXXX raises my XXXX. This company does n't want to work with you but rather make you feel insignificant and bad about yourself. I think they just call me to torment me. This is the worst company and all I want is some relief from Navient! HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had extremely filed extra charging complaint against Bank of America, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Bank of America,  Bank of America made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Bank of America used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: NY

Complaint narrative:
I ca n't negotiate a payment that I can afford Navient keeps pushing me to use the forbearance option as I do not qualify for deferments or other payment options. Last week they told me to consider consolidation and it would give me more forbearance options. I also blame the college because instead of offering me enough money to pay for tuition and associated costs they always said you can take up to such and such an amount. I always accepted the higher amounts because I was broke and saw this money as a way to breath easier. However now I realize it was irresponsible of them for tempting me and also on my part for falling for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient had collections agencies calling me saying they had my account. Multiple agencies a day would call. I contacted navient and they gave out my information to these agencies. My account was NEVER IN COLLECTIONS and I lost all of the money I had been paying monthly to this agency that claimed they had my account. Navient is horrible and was no help and just lied and stole my money. They refused to let me defer my loans and fold me this was not an option. This has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fidelity National Financial, Inc
State: MN

Complaint narrative:
A title company repeatedly e-mailed me another person 's private financial information about their escrow account, property purchase, etc. This is a data privacy violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently purchased a cruise with XXXX XXXX through XXXX XXXX and placed the deposit on my debit card. My reservation number with XXXX XXXX XXXX was XXXX. It was to leave XXXX XXXX from XXXX. I had to cancel the cruise and was due a refund of {$450.00}. I received half of it back on XX/XX/XXXX as an atm/checkard purchase credit from XXXX/XXXX/16. XXXX credit for {$70.00} and XXXX credit for {$150.00}. It was credited to a mass compromised card ending in XXXX and had to be manually posted to the account. The remaining {$220.00} has not been refunded. I was able to get a tracking number from XXXX that they said came directly from the bank XXXX XX/XX/2016 at XXXX. This is not XXXX 's tracking but Bank of America 's tracking stated that they received this credit in the amount of {$220.00}. Every time I speak with the bank and try to file a claim, I am told they dont have it and to go back to XXXX. The bank will not even take a claim from for the missing credit XX/XX/2016and I have tried ever since the original manual posting of It 's {$220.00} and I want my money back. The bank has it, they just cant find it and they are not willing to help me. Again, I received {$220.00} already but this is for the other {$220.00} from the above tracking number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27 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: MA

Complaint narrative:
My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 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: The CBE Group, Inc.
State: OH

Complaint narrative:
I have requested debt verification of this debt and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My account with Paypal was closed on XXXX XXXX, XXXX. Paypal claimed that my funds would be available after 180 days. I accepted these terms, but on XXXX XXXX, XXXX, paypal emptied my account to a near {$0.00} balance ( from {$800.00} ). Paypal claims this was for chargebacks or claims against my account, but no such chargebacks or claims were made ( as verified by paypal when I called ). In addition, I highly doubt multiple customers initiated a chargeback on the same day, 6-8 months after the unrelated transactions. Furthermore, I doubt the chargebacks would be exactly equivalent to my account balance. 

It is clear that Paypal has taken funds out of my account for no apparent reason. Additionally, paypal attempted to do this in an underhanded fashion, waiting until 5 months after my suspension and sending me an email stating " Check your paypal message center ''. The email had no mention of my account being emptied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 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: NC

Complaint narrative:
Approximately XXXX weeks ago, I went into the Bank of America, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was given a deposit from a customer in the amount of {$4400.00} and before depositing it ( I could have cashed it at his bank ) the teller informed me that it would take 2 business days to clear and that {$200.00} would be available the next business day. So after getting a receipt saying the same thing I made arrangements with the customer to start Monday. Now I 've been informed that they put a security hold on my deposit and took back my {$200.00} deposit on this check so now they added 6 days to the time my check will clear with no reason why and wo n't do anything to expedite it. I 've called the customers bank to verify funds and now I 'm at risk of looking unprofessional for not showing up on the day we originally agreed to. What if anything can I do to take legal actions for the misinformation I was originally given which has lead to bad business practice at the hands of boa? I will be closing my account and changing banks as soon as my deposit clears I 'm just glad I did n't open a business account through them that would have been a huge mistake

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