vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did mortgage re-financing with Bank of America ( BA ) in XX/XX/XXXX. 
The original agreement was that I would refinancing with {$0.00} closing cost but with interest rate slightly higher than the current market rate. BA did not stick to our original agreement. I was tricked into signing the loan, but at the end decided to pay it off completely ASAP. The new mortgage was paid off completely in XX/XX/XXXX. BA inappropriately withdrew money from my checking account at least on XXXX occasion. 
Originally the refinancing date was scheduled for XX/XX/XXXX. BA was very eager to do signing in XXXX. When I confronted them with the evidence that they where charging me extra origination fee, they lowered the closing fee, but unexpectedly moved the signing date to XX/XX/XXXX. The reason they said was I was supposed to receive appraisal report before signing. On the signing date in XXXX, I still did not have appraisal report from them. In fact it was not even mailed to me. At the same time XXXX withdrew {$1000.00} of previous mortgage payment, which they would not have done had we signed the refinancing in XXXX. As a result BA ended up charging me extra {$1000.00}. 
Multiple requests to explain what happened and return the money gave no results. 

In XX/XX/XXXX, the remaining principal balance on the mortgage was {$1200.00}, while the monthly payment was {$1200.00}. The accumulated interest form the month of XXXX was ~ {$4.00} ( 4.25 % annual interest on the loan ). Thus I was expected BA to withdraw {$1200.00} and close the loan account. Contrary to my expectation BA withdrew {$1200.00} and failed to provide any explanation of why that happened and when I will get the difference ( {$56.00} ) back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CO

Complaint narrative:
I made a large lump some payment {$70000.00} to my loans after I had spoken to Navient customer service on 2 separate occasions to confirm what my monthly payments would be. Both time I was informed that after my {$70000.00} payment my monthly payment would be about {$260.00}. After the payment was processed, I was then informed that my payments would be almost {$300.00} a month. This $ XXXX difference is about {$10000.00} more over the life of the loan. I feel that I was given incorrect information on 2 separate occasions and now will be paying {$10000.00} more then I was told. I would have strongly reconsidered making this large payment if I had known the correct info.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 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:
I had to resign from a very stressful job XXXX XXXX as a XXXX XXXX XXXX woman due to the health issues it was causing me : I had XXXX twice in a 6 month period and was XXXX. Acording to my doctor, I 'm XXXX because of the XXXX and a XXXX that has been plagued with injuries. I was on a low repayment with 1 % interest on private student loans from Navient, but that plan ended 7 months after my resignation. Despite the fact I am XXXX, I am making less than half ( if I am lucky ) than the year before, XXXX pay for health insurance and my expensive perscriptions losing money on the property I was renting and still trying to keep up on other monthly bills all while living with my parents again. I got behind in my payments with Navient, especially since they were expecting almost twice as much money from me. They call me sometimes seven times a day on auto dial- and when I can answer it 's just a pre-recorded machine telling me to call them back later. Well, I have a XXXX and legitimately forget to call them back. They also had the wrong address on file for me. I was finally able to make a payment, and the very next day they started auto dialing me again!!! I feel like that is harassment. I also spoke to someone on the phone the day when I made the payment, she said she would be my account manager and would talk to me next month about other options, such as lowering the total amount I owe by a certain percentage, but today when I spoke to a supervisor, I was told that is not possible because my loans are private, not federal. I want the constant harassing phone calls to stop! I ca n't pay you another payment when a day has n't even passed for me to receive a paycheck! I ca n't answer my phone when I have XXXX children sitting in the room with me learning about the world. This company is so irritating, especially when they are dealing with people paying off loans for education, not clothes or cars, but schooling for people to advance their careers and lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America did not pay my real property taxes due on XXXX XXXX after the county in which my property is located split my property from XXXX parcel into XXXX claiming the parcel numbers had changed. This should NOT have been an issue as I had called BOA on XXXX/XXXX/16 to provide them this updated information and they instructed me to send the information via fax to their Mortgage Loan Servicing Department which I did. As a result of the initial non-payment I incurred penalties and interest on the late payment totalling {$100.00}. Bank of America assured me since it ws not my fault that the payment did not get made that I would NOT be responsible for the late fees and interest penalties. After XXXX phone calls to Bank of America they finally made my property tax payment on XXXX/XXXX/16. However they charged me the {$100.00} for these late fees and penalties. I have subsequently called Bank of America on at least 7 occasions from XXXX/XXXX/16 to get the {$100.00} refunded. Each time I have been assured my complaint has been " elevated '' and assured my escrow account would be credited within the next 5-7 business days. As of XXXX/XXXX/16 this has not yet happened. The representatives I speak to have repeatedly indicated they use a third party vendor and have put the request in to the vendor, yet the refund still has not occurred. This has been a frustrating experience as the time it takes to get through on the phone and the repeated holds they put me on while they check into the matter averages at least 20 minutes per time I have called. The current call I am on now has already kept me on the line for over 30 minutes while I try to escalate the problem to a Manager for a final attempt at immediate resolution. During my time on hold I have managed to complete this complaint filing

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 2015-11-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: F&L Marketing Enterprises LLC
State: VA

Complaint narrative:
I have a revolving line of credit with Cash 2 U Financial Services of VA. On the day that the loan is due I start getting calls at my place of employment. I have asked several times not to be contacted at my job and have informed them that I am not allowed to receive those types of calls. I received a call today that was answered by one of my employees. The rep asked to speak to my direct manager by name and did not ask to speak to me. There should never be a time that a debt collector ask to speak to a person other than the person on the account. My manager was out of the office so the call was transferred to my voicemail. I called Cash 2 U and advised them again not to call my place of employment and asked why they would ask to speak to my manager and not to me. She informed me that she had not done so. I advised her that all calls made to the company are recorded and that I listened to the recording and she specifically asked for my manager by name. She never mentioned my name until the rep told her that the manager was unavailable and was there someone else that could possibly assist her. She then said I am not going to argue that fact with you. I asked again to never contact my employer because they are putting my job in jeopardy. She stated that she made notations on the account that they will never contact my place of employment again. I was lied to about the terms of the loan, I was lied to today that they did not ask for my manager directly, so I am pretty sure she lied about the do not call the employer notations as well.

Company response to consumer: Closed with explanation
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: MI

Complaint narrative:
For 7 months, Navient has been incorrectly applying my student loan over-payment. When you choose to pay more than the minimum balance on a loan it gives you the option to either pay down the principal or postpone the due date of future payments. As I am trying to pay down my loans quicker, I always choose to pay principal. I have noticed that the particular loan I am paying extra on is saying that I have no payment due. On further inspection, I have noticed that every over-payment has been charged interest and my next payment is not due until XX/XX/2017. This is exactly what I informed them I do not want to happen with my payments and is causing me to pay more interest than I am obligated to pay as per my loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: TX

Complaint narrative:
I am a long time Bank of America customer, starting off with this company with a XXXX checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/XXXX in regards to transactions made on my account between the dates of XX/XX/XXXX-XX/XX/XXXX. In the course of XXXX days my account incurred XXXX fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to XXXX separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account XXXX times ( XXXX in XXXX XXXX hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.

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 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB Consumer Financial Protection Bureau Dear Officer : Good evening. 
My BoA account XXXX had wire form XXXX into my account on XX/XX/2015 XXXX, but BoA just noticed me XXXX kept into my account, they ate XXXX dollars. 
XX/XX/2015 charged me wire transfer fee XXXX, and due to I am an investing account so refund me XXXX transfer fee.XXXX. so still ate me my wire in capital XXXX. 
I had several time asked the branch officer XXXX XXXX : he said : ususally like that.??? 
I do n't agreed and online message to ask return my wire capital XXXX, they always no return to me. 
see my copy and attached below : XXXX, on XXXX statment XX/XX/2015 XXXX XXXX, and transfer fee:XXXX XXXX. 
B.BoA.statment just book me XXXX only. 
Please help me get back my missing capital XXXX.and correct their bad behavior. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXXXXXXXXXX

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 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Navient-Private Credit ; XXXX. XXXX XXXX ; XXXX, PA XXXX. Loan XXXX. This is probably the XXXX time reporting this Co. They are constantly calling at least XXXX times a day even though the primary borrower has contacted them to make some paying arrangements but they completely ignore the primary borrower and call the co-signer. Today XXXX XXXX, 2015 I received at least XXXX calls and told them I had contacted the primary borrower and they kept calling until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On my XXXX report and it 's a lot if inquires showing that I attempted to open up a numerous amount of checking accounts I 'm very upset because that 's false in, sure it happened when my wallet was stolen and I had a fraud alert put on y actual credit report so how could this had happened

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America set up an unauthorized automatic payment from my credit union checking account when I explicitly asked them not to. They then withdrew funds from my account after I had already paid my mortgage, causing my account to be overdrawn. I accessed penalties from my other financial institution and will now have to pay interest and overdraft fees. This is a result of money being taken out of overdraft proctection account to cover the errorenous charges.

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 2016-03-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CL Holdings LLC
State: NY

Complaint narrative:
I contacted Jefferson Capital Systems, after finding out a collection account was posted to my credit report. I researched the company and contacted them via the phone number found on the web. After waiting on the line for 15 minutes, I was transferred to XXXX XXXX This call was placed on XXXX/XXXX/2016 at XXXX. After verifying my personal information, and confirming the last XXXX digits of my social security number, I was advised that my account was owned by Jefferson Capital Systems but it was given to a company named XXXX XXXX XXXX to collect payment. The number I was given to call was XXXX. This number is invalid and it 's for a company called XXXX XXXX. Again, I was never notified of this debt, and called this morning to see what it was regarding. Also, I was never notified that it was an attempt to collect a debt nor informed that any information obtained will be used for that. Under the FDCPA ( Fair Debt Collection Practices Act ), and being a resident in New York State, it 's a requirement for any collection agency to make a party ascertain of the following : " This an attempt to collect a debt and any information obtained will be used for that purpose '', when calling or replying to any type of debt to any and every person I speak to. After looking further into the FDCPA, I was made aware that I can sue a debt collector in a State or Federal court within XXXX year from the date the law was violated, if this violation is not handled. Per the prerecorded message while I was on hold, " all calls were recorded ''. That being said, the recorded call can confirm I was never notified of the attempt to collect a debt. I would like my debt to be closed and removed from my credit report and not sold to another creditor. I would like a letter of deletion for my book keeping or I will contact both State and Federal agencies and take this violation to court under the rights of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In 1983 my Ex. friend had put me down as a contact person for XXXX Student Loans. Said Ex. friend 's Daughter put me down as a contact person for her Student Loans and Parent Loans through XXXX. Five years ago - they each defaulted on there XXXX loans and since then we have had around XXXX XXXX calls XXXX. We wrote to our state XXXX and they did help us. The Letters stopped, than the phone calls started - again we wrote to our XXXX XXXX XXXX XXXX XXXX than the phone calls through XXXX stopped. Than the phone calls from the lawyers for XXXX XXXX started calling -. This stopped after the XXXX office again contacted them - Now, last week, the phone calls have started again. We were just a contact person ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was a victim of predatory lending at XXXX XXXX XXXX XXXX and am being harassed by Navient and XXXX for over {$260000.00} in student loans. XXXX was never able to finish my degree as they never told me that they were in financial trouble, were unable to retain the XXXX. When they were ready to file for bankruptcy, they sold their non-profit college to XXXX which was a for profit college. They did not request permission to sell the non-profit college to a for profit business, which requires approval of the Attorney General. They did this behind the AG 's back and it was too late to unwind the deal as it would have hurt all of the currently enrolled students. I was in the XXXX and could not get XXXX for weeks and sometimes months at a time while being billed for dorms and other expenses including classes that I took only for the credits, as I could not get in the XXXX.. Due to the sale of the school, many of their XXXX quit shortly after. They just kept telling me they needed more and more money and kept penalizing me for not completing the training on time despite the considerable delays that they were responsible for. When my father & I went to a meeting with XXXX, XXXX XXXX told my Dad he could not guarantee any improvement in securing XXXX, and he did not recommend that we give any further funds to XXXX XXXX XXXX XXXX because he and all of the XXXX were given " pink slips '' with out termination dates on them from XXXX. He had no idea what was going to happen next. Soon thereafter, the Attorney General apparently stopped XXXX from shutting down the XXXX I ended up having to go to Florida to complete my training at XXXX in XXXX. I have never received my transcript because XXXX wanted me to pay them additional funds to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Harassment by Bank of America. Case numbers XXXX ( XXXX ) and XXXX ( XXXX ). Requested that their representative XXXX not to contact me ( phone or visit my house in person ) to sign notarized papers on home mortgage modification. XXXX left written notification at my house ( exact date unknown-notification letter not dated-estimate occurrence between XXXX XXXX XXXX 2015 )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was handling my student loan by deferring them but I just received a letter stating my private loan was in default and XXXX XXXX has just taken over it but the loan that they have is not XXXX that I gotten out for myself. Now their threatening to take my earnings but I have n't finished school yet and wo n't til next year. I paid a XXXX dollars but I do n't believe it is my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Bank Of America. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Bank Of America Contribution Ref # : XXXX Bank Routing # XXXX Account # 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 explanation