vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Home Loans Division in XXXX XXXX, Texas along with their underwriting department in XXXX Texas, declined my mortgage loan application, one day prior to a scheduled closing for our new home at XXXX XXXX, XXXX XXXX, Texas XXXX. I have significant evidence that the denial, which the bank claimed was due to not meeting the required Debt-to-Income ratio, was based on false grounds due to a gross error made by BOA 's lead underwriter in interpreting my 2016 year-to-date self-employment/company Profit and Loss statement. The application review also contained numerous other unwarranted delays as well as sloppy clerical practices and bank errors and omissions that were unprofessionally handled. Ultimately, the rejection of the loan application may have potentially may have violated the bank 's own lending policies and I am seeking Federal assistance to look into this matter in detail. I am also seeking a financial settlement for economic damages related to having to renegotiate a new loan application which delayed my move in date for four weeks.

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 2015-06-25 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Today, Wednesday XXXX XXXX, XXXX XXXX of General Revenue harassed XXXX different family members, my former employer and my spouse 's ex husband. He called telling them " I owed them money and that he had to have my contact info immediately '' after which they all told him the would n't give out my number he said to XXXX of them that " I was in major trouble and that they would be helping him bring me to justice. '' He not only gave them information stating I owed them money but he also told inserted that I was in legal trouble. That is slander. I ask that you have them cease contact with anyone other than me immediately as my attorney is now looking to sue them for corrupt business acts.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been having issues with Navient for at least two years. I complained to them over the phone but have never sent a written complaint. However, I gotten to the point that my last option is to ask my parents to pay my loans. 

Beginning about two years ago, I called Navient asking them to help me with my loans because I had been paying them on time and had been a good customer, but I was no longer able to make the payments. I asked for options and was given none. At the time, even lowering the monthly payments because of finances was 'not available ' be me. 

I was hoping to put my loans into forbearance, but had apparently run out of time. Something of which I thought I had at least a couple more months of but trusted that they kept better records than me since I live out of the country at the moment. 

After some time, I called back and complained and was offered a chance to lower my payments based on my income. Though, this was after several attempts to contact Navient and failing to get through. 

Something I just discovered through an article written about the government suing Navient this month is that I can get my co-signer released. This is an option that I was never given before, even when I had mentioned that I wanted to make sure my co-signer was not affected by my ability to not pay. 

Time and time again, I have not been given options when I contact Navient. Each time I feel I am informed about my rights or my status with Navient, I feel that they have backed me into a corner. 

Aside from the lack of information and the times they have blatantly not informed me of my rights, Navient 's customer service workers are rude and overbearing. I often feel I am discussing my loans with a loan shark or mobster than the people who are supposed to be there to, at the very least, advise their customers. 

Navient is not a student loan company ... they are in the business of draining students of ambition, hope, and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 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: FL

Complaint narrative:
In XX/XX/XXXX, I realized I was no longer able to work, my condition had grown worse. In XXXX, I applied for Social Security XXXX Insurance, and in XXXX I applied for Credit Protection Services for my Bank of America Visa Card. Unbelievably, XXXX was easier to obtain. BoA started making frequent collection calls as I fell behind, but, no one could tell me what happened to my application or status for Credit Protection. BoA started making monthly negative credit reports on my account and closed my account, despite my request to keep it open while ( I thought ) my application for Credit Protection was processed. 
I was awarded XXXX XXXX. Once I started to receive monthly income, I started trying to make on time payments to BoA for my Visa account. BoA continued to make negative monthly reports, and frequently would change the date late payments were posted. My credit score plummeted. I could not even buy a bed to help my back. No one would tell me why I was not covered under the Credit Protection Service. In XXXX XX/XX/XXXX, I was able to make my last payment to BoA and $ XXXX my debt. To my surprise, BoA never posted the account was paid off, but, instead started posting that my account was overdue, 30, 60, 90 + days, when it was paid off. Then, for reasons I do not know, BoA offers to allow me to re-request Credit Protection Services, in XXXX. I completed the application with doctor 's signature. I also included my XXXX award letter, XXXX XXXX IME 's and proof that I was trying to work in XXXX XX/XX/XXXX. This time, BoA awarded my Credit Protection Services, and sent me XXXX letters, on accepting my XXXX start date and XXXX denying a XXXX start date, which was fine. I also received a check for {$910.00} for fees, which is great. 
However, no corrections have been posted to any Credit Agency to update and improve my credit scores. My credit is still very low, directly due to the negative reporting and lack of positive reporting by BoA. I have missed out on houses on the market to try to lower my monthly expenses and can not get any credit until these years of BoA 's bad credit reporting are fixed. 
I have documents but can not upload from my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 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: VT

Complaint narrative:
Well I 'll start at the begining as this might effect others as well. I had a account with Bank of America, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Bank of America processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Bank of America re-opened my account because they " forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 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: UT

Complaint narrative:
I currently have XXXX student loans with Navient. I contacted them to see about consolidating these loans and lowing my interest rate that at the times were 6 % 5 % 4 % before finding another company. About a month later my interest rates were raised to 8 % 8.5 % and 6.75 %. I feel like they did this to make as much money as possible with the information that I maybe refinancing with another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 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: MN

Complaint narrative:
I have had so many issues with XXXX navient that i dont know where to start. I was put in default while still in school and never contacted until it was almost to late for XXXX. I was finally able to go through steps of deferment to get me out of default only to be given a payment amount that was ridiculous XXXX a month. I was told by the XXXX i would be XXXX in debt after school and that was with interest. After i graduated i found out i am XXXX in debt. More issues kept happening to my account with added fees and payments incorrectly applied to my account not going toward principle. I am now on the rate reduction program but i had to research for months just to find out this program exists. I have been harrased so much i want to XXXX to get out of this situation. My mom also has been severely harrased. It has cause me and family to part ways due to the conflicts these loans have caused and there is no end in sight. I am constantly stressed out and have several XXXX that last several daysXXXX, and several XXXX conditions. I have had many failed relationships due to this stress these loans have caused me. I can not afford to have a life outside of work and have developed a XXXX that keeps from participating in family and friend functions. I can keep going on all the personal effects this has had on me and my family. The school i went to os closing down slowly but surely due to predatory lending and other illegal activity to the point the federal government is suing them for XXXX XXXX since XX/XX/XXXX. I graduated in XX/XX/XXXX. I grew up on welfare and never made much money ever i just dont know why i was ever given these loans. I need them to go or i will be fleeing the united states in hopes to not live this type of stressful life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am filing a complaint on navient student loans servicing. They have reported a very old student loan being 60 days late which has never happened and has been reporting on my credit report late for the past 9 years. this needs to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX, I 've initiated a transfer in the amount of {$820.00} from my checking account with Bank of america card # ending in XXXX to a business account for XXXX with account # XXXX. The recipient account never received the funds and subsequently I filed a claim with Bank of america asking for a refund. Since then, I have n't received any meaningful communications from bank of america on when i should get a refund. I need the funds to be credited back to my account and bank of america has n't been responsive enough. I am not satisfied on how bank of america is handling my claim and the burden being caused on my finances by bank of america not immediately crediting my account while continuing their never ending investigation.

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 2016-10-27 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: IL

Complaint narrative:
My husband has XXXX because of cost of XXXX we were forced into chapter XXXX Navient did not notify us that they refused the BK court ruling until XX/XX/2016. We contacted them they said we could pay {$50.00} to defer payments for 3 months to give us an opportunity to resolve the issue. XXXX 's credit report shows paid in XX/XX/XXXX then XX/XX/XXXX 60 days late??? So after a BK showing a late payment ( which I have sent them ALL supporting credit reports ) we have no chance to purchase a car, home or anything else. They refuse to correct their mistake on our credit. We were not late and the minute we were notified we contacted them and paid the fee to defer for 3 months. We would just ask that Navient removes the 60 day late off of Our credit as this is an error on their part. Obviously if we were current in XX/XX/XXXX we could n't be 60 days late XX/XX/XXXX. Please help us remove this from our credit! My husband has XXXX. He has been so worried about this. We only want them to report it fairly. Thank you so much I pray you can help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an account with Bank of America, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. 
At this point I dont know what else to do, i need help. 
i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.

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 2016-09-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have tried unsuccessfully with Bank Of America ( BA ) to resolve this issue. 

I must have been online in my BA account ( I have BA checking and a credit card ) on XX/XX/2016. I was paying bills. I noticed that my BA credit card showed my minimum payment due for XX/XX/2016. I went ahead and set up a transfer from my checking account of more than enough to cover the minimum payment. MY BA checking account shows that money coming out on XX/XX/XXXX. My BA credit card statement shows that money being credited on XX/XX/XXXX. 

I was paying bills on the night of XX/XX/XXXX. I noticed my BA credit card was still showing the minimum payment due on XX/XX/XXXX. I called the number on my credit card and talked to a reprehensive at BA. She told me that she saw what happened and did not understand why it was not showing the payment due being paid. She noted my file. 

I was on my PC paying bills again on XX/XX/XXXX and decided to pay an additional payment, because I had charged more than I wanted to so far that month. When I got back on after XX/XX/XXXX, around XX/XX/XXXX, my BA account showed my account as past due. 

BA credit card is saying since I set up the transaction on XX/XX/XXXX, It was applied to my previous statement! How can that be when it shows coming out and going in on XX/XX/XXXX? BA has a XXXX system. 

I have called BA, sent a letter to BA credit card dept. and went into the local branch. All I get out of BA is tough luck that is our system and it ca n't be fixed. They will supposedly waive the late fee, but I have no idea how this will affect my credit. They want me to pay an additional payment. Is this any way to run a major bank?

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 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Bank of America branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Bank of America error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I own a condo unit. I have n't made a payment on in 72 months. That 's 6 years. 
The unit wo n't foreclose. Back in 2011 there were auction dates but everytime the auction was cancelled. 

For the past year i have tired to short sale. 
About 6 weeks ago I discovered that BofA will not Allow me to short sell the unit. I am not eligible. 

Ok ... So I went over to deed in lieu department And I was denied there too. Too many secondary liens. 

My credit can not repair until this unit is gone. 
Regardless of what I do. The bank continues to report late. I think it completely irresponsible that BofA Has take this long to foreclose and wo n't allow me these other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 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:
Navient deducted a private student loan payment from my credit union checking account without any authorization from me. I have contacted them several times over the past 2 months ( XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 ), sent them copies of my bank statement via fax ( XXXX/XXXX/15 ) and email ( XXXX/XXXX/15 ), yet they fail to refund the {$23.00} insufficient funds fee I incurred as a result of their unauthorized bank debit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I attended a school online. XXXX XXXX online. I applied for F.A.S.A I felt that I could handle the payments. When I stopped going to school, I was told the school closed. I called them the other day and only the online school I attended had closed. The people that I had received the loan from did not notify me of any bill or payment plan or management. A few months later, I received a paper from them saying this bill was paid in full. Then I was notified by Navient to pay up. My payments were XXXX a month. I had been on XXXX for seven years and was afraid I could not even get a job. i recieved threatening phone calls from Navient and told I would have my bank seized and would never be able to get another student loan. I was told where to find information about this bill. So I looked on their web page. They are charging me double what the school costs. They sent me a letter saying it was a federal crime to lie. So I am being cheated and do not know how to get out of it.

Company response to consumer: Closed with explanation