vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America Money Market account open a couple of years ago. Last year year in XXXX XXXX my balance went down to {$500.00} approximate. The bank did not notify me that they will be charging a monthly maintenance fee of {$12.00} after that. I do n't get a paper statement, only today I noticed that the money market balance was down to {$380.00} only due to several months of {$12.00} monthly maintenance fee they were charging. At least Bank of America should notify me that they will start charging fees. I am senior citizen on fix income. Plus I have been a customer of Bank of America since XXXX. All our home loan, equity line of credit, visa are with them for 40 years. Whatever happened to customer loyalty? 
I asked if they could waive these monthly maintenance fee. But they said NO. So I would like to WARN other Bank of America customers for FEES that are popping UP left and right. they also started charging me for safe deposit box fees since last year. I do not receive paper statements because they also charged for that now. Everything has to be on-line. There should be at least grandfather policies for being loyal customers. Bank of America should at least refund the monthly maintenance fee for 11 months they took away from me. ALSO THEY SHOULD BE CONSIDERATE FOR SENIOR CUSTOMERS WHO ARE NOT TECHNICAL SAVY.

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 2015-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received notification that my loan was being transferred via a letter dated XXXX. The transfer is effective XXXX/XXXX/2015. Also, the loan company continuously pointed the blame to XXXX XXXX. How is this legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I am located in a place where there is a natural disaster lost my job and requested a forbearance. My Loan was changed from XXXX to Navient. However, Navient will not allow me to file for a forbearance until i give them a checking account number which is wrong. Why should i have to give them a checking account number into order to file for a forbearance that 's illegal. My account with Navient is Account # XXXX. I have refused to give them a bank account number so they are reporting negative things towards my credit score. I really wish Navient would be shut down their tactics are disgusting

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When Navient took over my loans, my principal balance seemed to go up by over a thousand dollars. I never missed a payment, and as of XX/XX/2016, my principle balance should be XXXX or less. I still owed more than XXXX after XX/XX/XXXX. I noticed this and thought I made a mistake, and maybe I have, but I do n't think so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I receive a monthly credit score report furnished by XXXX. I noticed that my credit score dropped from XXXX ( XX/XX/XXXX/XX/XX/XXXX ) to XXXX XXXX XX/XX/XXXX/XX/XX/XXXX ) on my most recent statement. I have no outstanding debt outside of my student loans and all of my bills are paid on time. I obtained my equifax credit report on XX/XX/XXXX and there was nothing outstanding, but there was a collection reported. The company CBE Group had a collection for {$49.00}. The report did not provide anything other than the date assigned ( XX/XX/XXXX ), the date of first delinquency ( XX/XX/XXXX ), date reported ( XX/XX/XXXX ) the last XXXX digits of an account number, and a creditor classification : retail. I have lived at the same address and have had the same phone number for 6 years. I NEVER received any type of communication from CBE. I 've NEVER received any communication of any sort saying my account was going into collections. There were no outstanding accounts on my credit report. I have tried repeatedly to contact CBE Group by phone and through their website ( I ca n't write to them because they did n't include a mailing address on the report and I never received a letter ) and I have n't been able to get to anyone. I try to call the phone number on the website XXXX, I can get through the first prompt and then the second prompt disconnects the call. This is EXTREMELY frustrating. The first thing I need is to know who the creditor is and I ca n't even get that. This mistake is causing a negative impact on my credit and I ca n't even get information on who I did n't pay. Just an aside, when I tried to look up CBE I noticed a number of pending lawsuits for fraudulent reporting. Please tell me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: VA

Complaint narrative:
I had my accounts in deferment and then forbearance before refinancing them to XXXX XXXX then turned naviennt solutions reported to all credit bereaus that XX/XX/XXXX to XX/XX/XXXX my student loans were XXXX days late. For XXXX those do n't even equal XXXX days late and I was in forbearance and then deferment and then refinanced them to XXXX so nothing should be showing late on any of these student loans with XXXX which is now naviennt solutions. I want this fixed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: CO

Complaint narrative:
We annually apply for Income Based Repayment with Navient and XXXX. Navient consistently does n't know what and when we have applied. They require us to re-apply two to three times as they can not seem to find the paperwork. For example, last week we re-submitted paperwork through the StudentLoans.gov website and XXXX had received and completed the paperwork in less than 48 hours. Navient on the otherhand, can not find it and claim we did n't send it, even though we have proof we did. It seems they purposefully miss or lose paperwork so we are forced to pay on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am part of the population who has been taken advantage of by Navient and want to be supported by your suit. I had been pushed into for a fence during the economic crash in 2009 and have more debt now ( 9 years later ) than I did when I took out the initial loan. Even after paying on time for years! ). I feel like a helpless victim who had tried on numerous accounts to get help but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has had my husband 's and my SSN wrong in their system for the past three years, and refuse to consult my original loan documents to correct it. My credit has been impacted along with my sanity. For the past three years, they have mailed us letters in XX/XX/XXXX advising that our Tax Identification Numbers are incorrect, and request that we complete a XXXX form. I 've already done this, and I 'm not comfortable sending this sensitive information via snail mail AGAIN. I 've contacted their CS phone number to discuss this issue, but was only told that my issue was being referred to " the back office '' and advised that I would receive something via mail in 7-10 days. Then, I also tried writing to them via their website, but was merely told to call CS again. The correct SSNs are contained in my original loan closing documents, which BoA has, so I expect them to consult their records and update my account information accordingly. Stop being lazy and requesting me to furnish information they already have on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
My sister and I have banked with Bank of America for more than 5 years. We have never missed a payment, over drafted, or wrote any fraudulent checks when XXXX XXXX, 2015 they froze both of our accounts without sending us a letter or notification online. When we phoned them to find out what 's going on they told us both in person and on the phone it was a business decision and that they did n't have to give a reason for freezing our accounts. We 've sent in requests to have our funds released to us but all of them have been denied. We just got a letter in the mail stating the number of our accounts they have frozen along with saying they wo n't be returning any available funds. This has never happened to us before as we have never done anything for them to just freeze our accounts without telling us let alone not giving us reason why they wo n't release our money. While it was inconvenient to do this before the holiday 's and upcoming bills, now all we want is our money back then we will never do business with them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I withdrew from school in XX/XX/XXXX. When it was time to start paying back my loans I did not have the money to do so, but was unable to navigate Navient 's website to take the necessary actions. As of XX/XX/XXXX, I am now back in school and Navient is still asking me to make payments that I am unable to, calling and emailing me what feels like every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2017 I made a deposit of over {$6000.00} via my mobile phone. Not knowing a hold would be placed for over 10 days. The mobile app does not tell you if a hold would be placed prior to you making the deposit. I found out after the fact. I then immediately called the bank to see if I could cancel the deposit as I could not wait 10 days. The first gentleman told me he would send it over for review and wait 24 hours. I then called the following day on XX/XX/XXXX and spoke to a young lady who told me the gentleman did not send it over and she would do it now, but I would have to wait another 24 hours and provided me with the number to follow up XXXX. I then asked her did they work on XXXX she said yes which again was a lie. I called Bank of America again today just to follow-up and was told that department was closed and the hold was now extended again! I was very upset and the gentleman I would assume to get me off the phone was like is it XXXX yet. I replied it 's not, but if the department is closed how is that going to help my situation. Bank of America needs new measure in place to advise their customers using the mobile app if a hold will be placed prior to the finalizing of the deposit. This was loan from my 401k XXXX for bills which now can not get paid of an extra 10 days have to expire. Its taking me longer to get MY money then it was for the approval and delivery of my check.

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 2015-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
My wife and I have completed a FHA home modification. It has taken nearly XXXX years and XXXX lenders to get everything completed, but it is finally complete. However, The initial lender that we began the process with, Bank of America, promised to remove the derogatory remarks from our credit reports for the length of the modification period. However, this still has not happened. I have disputed the information on our credit reports XXXX times now and gone directly to Bank of America. They sent me to my current lender, XXXX XXXX XXXX XXXX, who sent me back to Bank of America. This process has been a nightmare and the runaround I have received from Bank of America already caused my modification to stretch out from XXXX months to XXXX years. I managed to save my home. Now I just want our credit fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16 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: IL

Complaint narrative:
Navient the holder of my loan falsely reported i was 90 days delinquent on my student loan and ruined my credit now they refuse to fix there mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: CA

Complaint narrative:
I have had navient and was never properly advised for my best recourse. I also payed and they would state it was late or not paid, which ruined my rating. My attempt to contact is never responded to. I am drowning in debt and navient keeps finding new ways to increase my interest so no matter how much I did pay, I was always owing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a loan with Navient which use to be XXXX XXXX. I 've had this particular loan since XXXX XXXX 2008 and it was used for when my daughter went to XXXX XXXX XXXX because she had a very hard time learning how to read because of her XXXX. My father had to be a cosigner on the loan but all this time I 've been making the payments on time and by direct deposit. At first my interest rate was at 6 % variable and then it was at a 6 % fixed and now its at a 12 % variable. It seems as once I get close to paying the loan off they go up on the interest rate as well as lower my direct deposit payments so that I 'm paying the loan off slower and slower. So far I have had this {$5200.00} loan for eight years and I 'm trying to see if this company is scamming people to keep them in their loans longer so they can keep collecting money or using the same tactics they were using when they were named XXXX XXXX. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
The contents of my letter to the XXXX of Navient XXXX XXXX, President and CEO Office of the Customer Advocate XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX, Todays letter will reflect the extreme dissatisfaction and frustration which is the result of trying to deal with your system and get credible information from the customer service personnel whom answer the phones. Those of us at the other end of the phone and inquiry deserve much better. As a taxpayer I am beyond mad. 

Since the beginning of this year, I have spoken to more than XXXX separate customer service individuals, and have not received that same answers each time. I followed the instructions as they were given and the results now in XXXX have not moved the chess pieces XXXX square. The issue is attempting to consolidate XXXX loans, reduce payments and go on being responsible for our obligations. 

That has included a long set of forms to be filled out, as I was told could not do this online. These forms which include my personal tax information, my personal banking information as well as pages of personal answers to personal questions. 

These were mailed to XXXX, PA the first time in XXXX. No change in the statements. A call in XXXX to XXXX, when I was told, " oh you should have faxed them to us, that will be quicker ''. Filled them out again... faxed in early XXXX. No change. Phone call yesterday in which I was given another completely different set of instructions, have to go through student loans.gov... essentially start over. I stopped XXXX right there and asked where are the other documents with all that personal financial information. " No idea '', he said. 

Imagine my astonishment. That 's XXXX sets of information which anyone could apparently access and then I am screwed. 

So... XXXX XXXX... what would you do? Your organization is unable to provide simple answers. I expect and frankly demand action and real answers. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In 2006 I took a a loan through XXXX XXXX ( now Navient ) in the amount of {$20000.00} to attend XXXX XXXX University in XXXX Michigan. I tried to contact them many times to work out a payment plan and they would ask for an upfront fee in order to ring my account up to date before proceeding. Once I gave them the money they would tell me that they could not do anything for me now and to call back before my next payment would be due to work something out. When I would call again they would not be willing to work out a payment plan. Since then I have stopped answering calls from navient who is also hounding my co-signer. They call on the weekends and at night time hours. Last week my mother informed me that a letter was sent to her home from navient saying that I have until XX/XX/XXXX 2015 to contact them or I would go into litigation. Why was this letter not sent to my address they have it on file. I do not see my parents every day. I have been doing research on Navient and it seems that many people receive agreements on payment plans but since they have not gotten anything in writing those plans are not honored. Many people on the internet advise to record the phone calls you have with them online. Today XX/XX/XXXX 2015 and I attempted to speak to Navient about my loan but NOT A SINGLE PERSON was willing to speak to me with the conversation being recorded and on top of that after inquiring why the representative was extremely rude and told me that she would hang up on me. Not even the account manager or higher ups were willing to speak to me under the condition of their voice being recorded. All I want to do is to be able to set up an affordable payment plan with this company but it seems that they are unwilling to work with their customers.

Company response to consumer: Closed with explanation