vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-16 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: CA

Complaint narrative:
I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.

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 2017-01-19 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:
This report is in regards to Navient. Students who have loans in 'In School ' or 'No Payment Due ' status aka 'Deferment ', are unable to set up or continue making payments using the 'Auto Pay ' feature. In my specific case, I was between schools and decided to set up 'Auto Pay ' in order to keep up with the payments. Once I returned to school to pursue my XXXX degree, the automatic payments stopped without notice. I have called and emailed to gain clarification on why I can not set this up, but to me, it seems like it was created this way by design. I was advised to log in and make payments manually, which for students such as myself with a number of separate direct loans, is not an easy task. 

The website states : " In general, a loan that is not in active repayment status is ineligible for Auto Pay.This includes loans in deferment or forbearance, if you are in school or in grace, and loans that are already enrolled in Auto Pay by someone else, such as a cosigner or endorser. '' I can not feasibly see how this would do any justice for students trying to make even interest payments on their loans- which the website does not even list on the 'make a payment ' page.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX, 2016 I made a payment to my credit card online. The balance amount was XXXX. My payment was {$100.00}. I checked my account on XXXX/XXXX/2016 to find the account overdrawn {$10000.00}. Bank of America debit my account for {$10000.00}. 
I called B of A customer service, was told they would submit the claim but it would take 2 to 5 business days. I asked to talk to a supervisor, he repeated the same words. Evidently it is a script they read from. XX/XX/2016 was a Thursday. Today Thursday XXXX XXXX, 2016, B of A still has my money. How can I get my money returned? Thank you for your help. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-28 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, I am a victim of a fraud for false vacation rental for XXXX $ perpetrated by a fellow BOA account holder : '' XXXX XXXX Account # XXXX ''. 
BOA allow this person to create an account to perpetrate this fraud under the above alias and did not adequately ascertain their true identity. 
I have a " move money team '' XXXX # XXXX in progress via XXXX. 
I would like BOA to reimburse me {$800.00}. 
I have been a satisfied preferred account customer many years hope BOA can make this situation right. 
Thank You. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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:
I applied for a refinance with Bank Of America, after taking my XXXX Dollar Fee things went down hill from there. I was asked to fax or send by E-mail XXXX documents which I did. I was told the Loan was approved and would be closing soon. After not hearing anything for some time I called and was told the application was closed due to lack of information. I was given a list of information to send which I did several times. I believe Bank Of America is simply collecting Fee 's and stopping all contact in the Loan process. I cant believe the number of Complaints this Bank has against it, almost word by word for XXXX Customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 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: TX

Complaint narrative:
In XXXX I began taking classes at XXXX. In XXXX XXXX informed me that the course I was taking was being canceled and the teachers were being let go. They then hired replacement teachers who did not know the subject matter to finish the year out. Subsequently I would never work in my field, as I did not have the education I needed and was paying for. 
My student loans of about {$15000.00} have been in Forbearance since I completed my courses. 
During this time, we had to file XXXX Bankruptcy 's, which we have been recovering from since. 
Beginning of XXXX Navient told me that I had only one more Forbearance left. That time has expired and no more Forbearance 's are allowed. I must start making payments. That in itself is fine, but now my loan amount is over {$32000.00} and they have set my payments at $ XXXX. They said that 's a 15 year plan to pay it off. If I followed their plan, I would pay over {$50000.00} for a {$15000.00} loan! I offered to pay the original loan amount of {$15000.00} plus some reasonable late fees. They flat out rejected my offer. 
I want them to take my offer to pay off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I had a fraudulent charge on my Bank of America charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.

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 2016-04-21 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: FL

Complaint narrative:
Some time in XXXX, I received XXXX fees totaling {$70.00} ( {$35.00} for initial overdraft, then 5 days later an additional {$35.00} ). Upon learning of these fees, I went into my local branch to get clarification on fees process. I requested to terminate overdraft protection on my account and I was told it was done. Sometime in XXXX I received additional {$70.00} for the same reasons mentioned above. on XXXX I contacted the bank for the second time and was informed that the changes I requested were n't made when I initially requested them.

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 2016-04-12 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: VA

Complaint narrative:
My complaint is that I have mailed information to Navient to see what could be done to have my student loan payments reduced but they continue to have me delinquent with payments I have tried for a year now to see what can be done when XXXX send information to me about doing a repay plan for XXXX dollars a month for a full year than my account would be forward to a loan servincing company paying the same amount each month they lied to me because when I received information from Navient my payments would be over XXXX dollars a month I could not afford that so I mailed a letter with a request to see what other options I have they never acknowledge my later but continued to place my account in a late status each month I want to pay on my account but I can not afford the amount that was stated the company is unwilling to help. i do n't understand why the companies are not willing to help consumers XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 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: MI

Complaint narrative:
Over the past couple months my Bank of America checking account has started to receive a {$12.00} fee. I was told this {$12.00} fee is because I do not have a direct deposit of $ XXXX set up on my account. The {$12.00} is waived if you have a $ XXXX monthly direct deposit set up to the account. The problem is I have been conducting {$250.00} transfers from my account at another institution for over XXXX years and have never had a fee for this. So why now? I was told by an online representative that I am now receiving the fee because my transactions are transfers, not deposits. However, my girlfriend has relationships at the same places and conducts the exact same activity that I always have. She is not being charged the {$12.00} fee. How is it that BofA can be allowed to charge me but not her for the exact same activity? I believe this is a form of discrimination. Unless they can identify every person who transfers money instead of having it directly deposited and applies fees to all of those customers I should not be receiving this fee. Why I am I being targeted all of a sudden? My activity has never changed so why am I being charged for that now?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I was a guarantor on my daughters XXXX XXXX account. It was a subsidiary account of mine. My daughter took over financial responsibility for the account in XX/XX/2016. For whatever reason, she did not pay the past bill before the account was switched over to her under a new account. 
I was NEVER informed by XXXX that a payment was missed and a balance was due. There explanation is that we had the bills set up to go to her. She paid them for years. The issue is that they never notified me before turning over to collections ... even though they have my contact info and my phone number. Even the the collection agency called me ... and I paid it immediately. But XXXX has the 'sent to collections ' on my credit report and wo n't take it off. I believe the should have notified me, as the guarantor, before sending to collections. I want them to remove the 'sent to collections ' from my credit report. Which they could do, but wo n't. Their procedures are flawed and I should not have a bad credit report because of their procedures. I desire the right to be contacted before a bill is sent to collections. 
Please ask them to remove the collections information from my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have sent multiple letters to this deceptive collection agency and they have REFUSED to send me any proof of a debt ever existing that they have reported on my credit reports. they ask ME for proof which makes no sense at all! They are reporting an verifying unvalidated information on my credit reports. I have written letter after letter since XXXX 2015 with nothing other them them responding with their name, rank and social security number! I want billing records, a contract, not a paragraph telling me they own a debt without one bit of proof that they purchased any debt nor that the debt is mine in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help

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 2015-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
I keep seeing this company 's name on my credit report and have no idea who they are or why they claim that I owe them. This account was created by identity theft. It could be a relative or other unknown person ; it is not mine. I recently hired a credit repair company to help with this issue but have not seen any action taken. I 've asked the company as well as the credit bureaus to block this information, but no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
I have been receiving calls and voice messages on my XXXX cell phone, once per week for the last 7 weeks from XXXX debt collection agency. I have recorded the dates of the calls and saved several of the voice messages. I do not owe any debt. I have sent a text message instructing the company to stop. I have registered my cell phone number with the do-not-call registry to no avail. I have not called XXXX because I do not want to be subjected to a scam to collect personal information or money from me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: GA

Complaint narrative:
I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Ocwen Loan Servicing has now received XXXX, XXXX modification applications for a HAMP II modification. The first application response " never received '', the second response from Ocwen " nothing '' they said they sent a denial letter and through our attorney, a request was made for a copy of what was supposedly sent to us as a denial and they NEVER sent us a copy. The XXXX application was sent through the courthouse computer and finally months later we heard, " NO MODIFICATIONS ALLOWED ON OUR MORTGAGE BY THE OWNER '', the bank sent the copy of their servicing agreement with XXXX XXXX since our response was " well, for a loan that can not do modifications, we already got an approved HAMP i '' ... ..okay, please send in another application ... We sent in another application and our attorney received a denial letter because " YOU 'VE REACHED YOUR MAXIMUM IN HAMP LOANS AS YOU '' VE ALREADY RECIEVED A HAMP I AND HAMP II ''. That 's completely false. Meanwhile I call Ocwen to just see if they are consistent in anything and I am verbally told by our account manager, that we were denied all kinds of modifications including the XXXX because our mortgage owner " does not allow modification!!!!! '' Now we are suppose to appeal!!!! I will not only appeal, I will be sending Ocwen 's CEO, President OBAMA and the OCC a copy to show how well Ocwen is doing as a federal mortgage servicer of the HAMP mortgages! PS Ocwen has already been fined by the feds millions of dollars for wrongful accounting and servicing. YET HERE WE STILL ARE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
My escrow account had {$380.00} when I paid off this account. 
My refund from this same account was {$360.00}.

Company response to consumer: Closed
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
Although proper insurance information was provided on multiple occasions for our mortgage loan on a townhome we own, Ocwen forceplaced insurance. This exact same situation took place back in XX/XX/XXXX where we provided the information XXXX times and had to file a complaint with the CFPB in order for Ocwen to cancel the forceplaced insurance. Back in XX/XX/XXXX, we were told this would not be an issue going forward. Not only is it an issue but our HOA did n't change insurance agents so it makes zero sense that they would need new insurance coverage as our current coverage was in effect still. 

On top of that, the forceplaced insurance binder they provided in our letter dated XX/XX/XXXX has effective dates of XX/XX/XXXX to XX/XX/XXXX. If it was for last year why on earth would they be sending it now? If it 's for this year, why have they not used the information that we have provided to them on multiple occasions? 

Ocwen is an embarrassment to the banking and mortgage industry and clearly has not taken the needed steps to address the previous complaints and enforcement orders. As a Certified Regulatory Compliance Manager for a FDIC regulated community bank, I am absolutely disgusted by the actions of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I went thur a separation from my wife in XXXX of XXXX I work as a XXXX so I was layed off the summer when I returned to work I made payments but was behind and the payment I made XXXX/XXXX/XXXX was returned to me i hired a lawyer In XXXX submitted paper work they work with no gain til XXXX with no gain the XXXX closed their doors I started talking with my relationship manager # XXXX and seveal other managers as when to you call to speak with them he is busy ad you speak with someone else which is confusing as of my last appointment date XXXX XXXX everything was good then XXXX XXXX the sheriff put a notice on my door ocwen says there is no sale date and is sending e-mail conformation that no sale date is pending talk to forcloseure lawyer there is one cuz the want me to pay to bring account current so now I do n't have the money to do so and feel this system sand bagged me with lies scams ive file a complain before and that only made things worst so thanks for letting me vent cuz as far as I know XXXX XXXX is sheriffs saling my home on XXXX/XXXX/XXXX this was postponed 3 times already so im at a state of total confusion my job just is not good for them but payed 12 yrs of arm payments to them ocwen loan # XXXX XXXX XXXX XXXX division # XXXX XXXX thanks for not XXXX XXXX XXXX

Company response to consumer: Closed with explanation