vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A check was stolen from my purse, forged, and cashed for {$500.00} through an account with Bank of America. It was an obvious forgery that never would have passed a visual inspection. I filed an affidavit of forgery and a police report, but my bank ( XXXX South Carolina ) says that Bank of America is liable for the fraudulent check, and Bank of America says that XXXX is liable. Neither will refund my money.

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

Complaint narrative:
I have tried numerous times at the request of my co-signers asking Navient release my co-signers from my loans. I have never missed a payment, even though some of my loans are disqualified from an interest rate reduction for no reason. I did not finish my course of completion, but I was told in the beginning as long as I had a consistent payment history I would qualify, but that again was misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 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:
My loan wa originally 30,000 maybe less it 's now up to {$74000.00} years ago they could have recommended income payment plan. I would have paid what I could have back than. Now I 've been in forbearance for years and interest has been accruing for 20 years. This will never get paid off. I 'm a single mother of XXXX and work 2 days a week as a XXXX. Years ago before children I could have paid more money according to what I made. Now?!?! I ca n't pay at all

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I sent a wire transfer from my bank " XXXX '' in California via an intermediary bank " Bank of America '' to the beneficiary bank " BAC '' in XXXX. 
BAC would not release the funds because of incomplete information. After further questioning as to what was incomplete BAC supplied me with two emails showing that Bank of America in XXXX omitted the name and address of the intended beneficiary in XXXX. I am asking for a full refund of the charges involved because after I finally had the funds returned I needed to pay all the charges again. XXXX charged me {$40.00} and Bank of America charged me {$15.00} for the incomplete service. 


I have sent a certified mail with all the documents and received a form letter telling me to get XXXX XXXX to handle it. 

It is almost impossible to get thru to Bank of America and the wire transfer division is almost top secret.

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 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: DE

Complaint narrative:
This phone number calls my work phone several times a day, early in the morning and late at night. If I pick up no body talks, it is suppose to be a debt collecting agency and I do n't understand how they can be calling to collect a debt if the phone number is associated with a corporate account

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has yet to provide me with requested documentation ; i.e., emails and contacts to all the executive officers. The only higher authority I have been in contact with is XXXX XXXX who is not only unable to provide me with the contacts, but is also unable to give me her Email contact to to send documentation. 

The only thing XXXX has done is refer to back to lower official who is requesting the same documenation I have sent several times and for several months.

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 2016-12-27 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: CT

Complaint narrative:
I am currently a student and have XXXX XXXX student loans. I made a year-end payment of {$1300.00} to pay off all of my interest that had accrued over the year. The entire amount was transferred from my bank account to my my loan servicer, Navient. Navient applied {$1200.00} to my first loan but somehow managed to lose the remaining {$170.00} that was supposed to go to my second loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Want to transfer money from Bank of America / XXXX.to XXXX. Completed paper work. And medallion signature. Money still not transferred. XXXX had paperwork for almost 2 weeks. Called XXXX XXXX VP in XXXX and lleft messages to call me back and has not done so. If on vacation message did not indicate that or to be referred to another person.

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 2017-01-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have an XXXX XXXX XXXX issued by Bank of America. It has a credit balance on it. I called today to have a check sent in the amount of the credit. The card ends in XXXX. I gave them my address for verification in full. I did not give them my birthdate but I did give them the CIC code. They were insisting that the code was on the back of the card and was XXXX digits. I said no it has always been XXXX digits for XXXX XXXX and is on the front of the card. They claimed that the number did not match. I was looking right at the card and read it twice. They refused to issue my check. The supervisor 's name was " XXXX ''. He refused to give me his last name. I asked the name of his company and he refused to give that to me. I asked what call center he was at and he said " Texas ''. I asked him the city and he refused to tell me. I asked if the call we being recorded and he said " yes '', " all calls are recorded. '' I told him he would be hearing from the Federal Government. I said, " I have given you my name. I have given you my address. I have given you the security code off of my card and the last numbers of the card. '' They wanted my birthday and the CIC number from my OTHER card. I said " no ''. 
I said I have given you my name, address, last digits of my card and the CI code and you will not tell me your last name nor your company, its address, or the city in Texas you operate from. '' He said " Yes, that 's correct. '' Please fine these people. If we need to talk on the phone, e mail me.

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 2017-02-22 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:
They have repeatedly advanced my due date when I made extra payments. And they take 3 to 5 days to " extract '' or " pull '' the payment from my auto pay account so every month when the payment is due, my account show it 's not been paid until 5 days later and I and my family freak XXXX out.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have just completed a refinance of my home through Bank of America. The process was initiated on XXXX XXXX and was finally completed on XXXX XXXX, 2015. I have the following issues ; XXXX. I was told that we would close on or about the end of XXXX. On approximately XXXX XXXX I contact BA and asked about my closing date. They had lost my paper work and forgot to call for an appraisal. I had lost XXXX days in the closing process which cost me money. XXXX. Afterwards, I was sent an email that my final signing of papers would be on Wed XXXX XXXX and they requested that I have a cashiers check for {$1600.00} made out to a certain title company. After signing the papers and giving the cashiers check to the signing agent, I received a random call. On Thursday afternoon I was called, by someone I did n't know that claimed they were from a title company I had never heard of, and told that the cashiers check was made out to the wrong company and that I need to wire money to them. I immediately thought this was a scam, so I called BA and they said they would look into it. About an XXXX later I received an email stating that BA had made the mistake and the cashiers check would be returned to me by the title company. I did a wire transfer to the new company, after the new title company sent me an email. At this time I noticed the the closing cost went up to XXXX, a {$70.00} increase. Reviewing my documents BA had given me the wrong closing costs in their email. The wire transfer cost me an additional {$25.00}. The cancelled cashiers check cost me {$3.00}. 
I have sent an email to BA asking for reimbursement for the wire transfer and cancelled cashiers check. But they will not respond. I am also questioning the fact that by them losing my paper work for approximately XXXX days, why would n't I be reimbursed for the difference in the interest rate and mortgage insurance for the XXXX days? I am estimating that is is almost {$500.00}. 
Again, Bank of America will not answer or return my calls. How do I settle this with them?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: OH

Complaint narrative:
For the last XXXX years of college I was ill advised to go with XXXX. I should have known a lending company was willing to allow a college student with several loans already. Every time I needed more money for tuition, books, or even rent for my apartment I was advised that I could get a loan. Then once I graduated I soon realized that I was way over my head in debt. I was paying at least {$600.00} a month after my 6 month deferment payments kicked in. After calling for years about my options of paying less, it was about XXXX to XXXX years later until I finally thought I caught a break with the lower interest program. I signed up over the phone and was told everything would be up in running, with automatic payments. Yet this didnt happen, I ended up finding out that after two months of nothing happening. Trying to work things out several times of calling XXXX but it was during the transition period to Navient. It ended up being almost XXXX months without paying. Which ended up turning even worse because they turned me into the credit bureau. As a result making my credit score drop almost XXXX points. I was advised by an email from a new company called Navient saying that they still needed a payment from me. I then tried to fix things with them and they could not take back and help me. It 's been an awful transition and working them has been terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
This debt was disputed with all XXXX credit bureaus on XXXX/XXXX/2016 based on the finding " I had no knowledge of the debt ''. All XXXX bureaus updated the accounts as " verified and belonging to me '' also instructing me to contact the creditor if I needed additional information. As instructed I requested validation from Monroe which was received by them on XXXX/XXXX/2016 per certified mail receipt, the company never responded. an additional request was mailed as they received on XXXX/XXXX/2016 per certified mail receipt. As of date not only has Monroe ignored my request to verify the debt belong to me they are reporting conflicting information. Originally the account was reported to bureaus as being opened on XXXX which was then changed to XXXX. They also report to XXXX bureau as a " chargeoff '' where the other account " reports paid on time and in full every month '' but also states the status as a chargeoff with a past due amount and a payment never received. As I have been a past victim of identity theft I have demanded that this company verify the debt belongs to me with my signature as well as verify additional information required by the Fair Credit Reporting Act and they have failed to do so.As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I GOT BEHIND ON THIS ACCOUNT BUT HAVE BEEN MAKING PAYMENTS. I HAVE ASKED THAT MY CREDIT REPORT BE UPDATED ACCURATELY AND THEY ARE SAYING THAT THEY ARE REPORTING CORRECTLY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am being charged a {$34.00} insufficient funds fee by Chase Bank, which is dated XX/XX/XXXX but was not charged to my account until XX/XX/XXXX ( I know this because my account continued to show a positive balance on XX/XX/XXXX at just after XXXX AM ). This has occurred on previous occasions, and despite several attempts to resolve this issue with Chase Bank, they remain unwilling to resolve the situation. I have advised several representatives of Chase Bank that I am unwilling to pay a fee for insufficient funds when I had a positive balance in the account. This amounts to nothing more than deceptive business practices and borders on consumer fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-23 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: FL

Complaint narrative:
I had taken a series of loans to help pay for my XXXX from XXXX XXXX University. In XXXX XXXX, my husband and I were going through a very difficult financial period. We were in the process of selling our home ( to avoid the possibility of foreclosure ), as well as dealing with XXXX health issues related to our daughter. I called Navient and explained my situation asking for assistance as my student loan payment were approximately {$450.00} per month. The representative stated that while there were programs available that would reduce my monthly payments, if I could find a way to modify my budget and pay a bit more, I would actually qualify for a Federal Subsidy program. This program would require me to go on a Income Based Repayment plan, payments would have to be made on time every month for three years, I would have to set up auto withdrawal from a bank account, but, in return, I would get all of my interest back each of the three years of the program. Looking at an almost $ 50K loan, the idea of being able to save $ XXXX in three years definitely made it worthwhile. So, I picked up lots of extra work ( XXXX and XXXX - XXXX ) to make up the monthly difference. 
XXXX XXXX, XXXX ( the date I was told I would receive my first reimbursement check ) came and went with no reimbursement of the interest paid. When I called to inquire, I was told that research had to be done to find out why I had n't received the check. A few more months went by and still no response from Navient nor a check. Then another call to Navient, and again, research had t be done to find out why the check was never sent. 
Fast forward to XXXX XXXX. I was told to call back XXXX XXXX and they would have an answer as to why it I have n't received the check. Today is XXXX XXXX. I have been told that I will not be receiving any interest money back because it was part of my monthly payment. So, since I had been paying the interest all along, I am not entitled to receive any back. 
The Navient representative I initially spoke to in XXXX of XXXX point blank lied to me. He told me that by signing up for the higher payment on the IBR plan that I would receive all of the interest back. This is immoral, unethical, and downright fraudulent. I NEVER would have agreed to pay almost {$100.00} more per month were it not for the fact that I would have nearly $ 10K credited back to my loan. 
As Navient has already been cited for practices such as these, I want my experience added to the complaint. I am SO furious, and all the representative would say was, '' I 'm sorry, but there 's nothing I can do. '' Unbelievable.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have not been able to pay of loans and Navient ha offered forebearance each time I can not make my payments Which are to high to pay back and I went to University XXXX XXXX and can even get job I really need help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 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:
Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XXXX XXXX Bank of America decided to " Charge off '' my home mortgage. 
My property taxes were in escrow with my mortgage. 
BOA NEVER informed me that they had " charged off '' my mortgage, I received a property tax bill from the XXXX XXXX XXXX XXXX NJ in late XXXX for XXXX. I did n't understand why I was getting a tax bill being that my taxes were in escrow. I contacted my go to person at BOA and was not able to connect with her. I continued the search for someone to explain to me why my taxes were not paid. Finally I got someone who told me about the " charge off '' and that no more help will be coming from BOA. I did file a complaint with CFPB about the mortgage issue. Now I am filing a complaint because I do not have XXXX and the XXXX XXXX XXXX does not take payments you have to pay the full amount and I have been notified that my house will be sold in a tax sale in XXXX. Being that BOA caused this debt by never notifying me that they were no longer paying my taxes they should be held liable for this debt. XXXX again BOA put their customers in untenable positions financially. I am really going to loose my house for XXXX BOA? 
You are a disgrace!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: PA

Complaint narrative:
I had direct withdrawals for all payments, My loan was sent to collections because I was n't paying. When I called to address this issue I was told the terms of my loan had changed since navient took over my loan from XXXX. Since this change occurred they could no longer use my direct withdrawal information and since I was n't paying this put me in default. I was never notified, ever that this change was occurring. I would have gladly continued to pay with direct withdrawal. This was turned over to a collection agency to manage so now my credit is in jeopardy all do to their XXXX practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: NC

Complaint narrative:
I have a large student loan now being serviced by Navient. When I first graduated from college they ( then XXXX XXXX ) had me go into forbearance twice instead of pushing me towards an income based payment plan. Once I got a better job, they had me start paying the loans off. I thought I was making a dent in the principal, but they had me in some weird interest only program. I was young and trying to figure this all out on my own, so I had no idea what was going on. For 3 years I was paying almost XXXX a month thinking I was getting my student debt down only to find out in year 4 that it was all for not. They cheated me out of a ton of money and here I am 9 years out of school with almost 9 years left of paying this loan off. These people are terrible and should be held accountable for their shady actions. They are stealing money from people and it makes no sense. I understand that I borrowed money and need to pay it back with some interest, but they way they conducted business is absolute fraud.

Company response to consumer: Closed with explanation