vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
We accidentally missed a payment in XXXX. We are approx. XXXX dollars past due as of XXXX payment. When we got a reminder in the mail and were unsure of the reason we called them to verify, discovered our mistake, confirmed the amount and said we would make good on the past due portion during our regular XXXX Payment which we then set up with the bank to go out on XXXX XXXX. However, since our self initiated call, we have received XXXX calls daily from Navient, trying to collect this past due payment. We have explained ourselves repeatedly and asked the calls be stopped. XXXX we were told the calls would stop for five days and they would put a note in the system. This has not happened. The calls have continued at a rate of XXXX times daily. We feel harassed, we are losing valuable time on the phone in repeated explanations and we have told them to stop or we would file a complaint. They have not stopped. This is our complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was wrongfully charged overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28 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: WA

Complaint narrative:
This is not a one-time or rare occurrence. As a retiree living on a fixed income, I try very hard to manage my online bill pay accounts from XXXX different banks, without incurring overdraft fees from my Bank of America account. They are gouging their customers with overdraft fees. When I use my online bill pay account with just B of A, their practice is to show my Availabe Balance as staying the same regardless of how many bills I authorize to be paid. This practice incurs multiple overdraft fees if I lose track of my real balance. I have incurred hundreds of dollars in overdraft fees from Bank of America. My XXXX and XXXX XXXX accounts immediately subtract a bill paid from the available funds in real time so I know exactly how much money I have at all times. B of A does not do as these other banks do. I believe B of A does this on purpose to earn as many fees, of {$35.00} each, as they can. Do I purposely authorize bill payments when I know my available balance is XXXX? Of course not. Should I keep better records? Yes, But I sometimes fail to remember the auto drafts for my home, auto, and health insurance companies. Does B of A know when I have direct deposits coming in? Yes they do. Should I close my B of A accounts? You betcha!

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 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
When I call I advise the representative that I give my mother permission to talk on my behalf they told me that I can not do that and then the payment plan that they want to put me on I can not afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: WI

Complaint narrative:
When my loan was transferred to Navient my social security information was entered incorrectly and my account was tied to another person 's account with a similar social security number. I am recieving personal information including this person 's social security number. It has been 6 months of back and forth with Navient to fix it. I have had to send my social security number multiple times and it kept being " lost. '' Navient 's concern with customer privacy and customer service is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Continuing to call, despite being asked to put a note in their file to not call until issue is resolved. Talked to another woman today, I was asking legitimate questions in a calm manner, she was extremely rude and disrespectful towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
bank of america is reporting on my credit report an " education '' loan or XXXX opened in XX/XX/XXXX. it is being reported on a monthly basis as a derogatory account ( charge of /profit and loss ) yet theres a past due amount reported monthly. ive called bank of america spoke with their fraud department 's representative XXXX and a XXXX in their customer service unit XXXX in California. XXXX gave me a confirmation number of XXXX for a research request. I also went in person to a Bank of America Home loan stand alone location in XXXX, Maryland today XX/XX/XXXX no one has been able find this account being reported on my credit report. my student loans were all federal student loans through the dept of education. they are current, paid on time. im trying to buy a home and my mortgage lender wont move forward because bank of america is reporting with a past due balance. ive tried to validate this debt and dispute this through the bureaus. bank of america is listed on the credit report with an address of XXXX XXXX, fl XXXX telephone XXXX account number XXXX yet no one can find this account number or find this loan through my social security number. experian states that due to the age of the account it should not be reported on my credit report but its done monthly with a past due balance

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 2017-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fidelity National Financial, Inc
State: LA

Complaint narrative:
We are currently buying a home - scheduled to close XX/XX/2017. Someone falsified the Title Company ( XXXX XXXX ) email requesting a wire transfer and sent us an amount {$100000.00} and bank information for the closing cost. I initiated the wire based on this email. It was discovered today XX/XX/2017 after business house that the email we received was fraudulent. The funds have been wired from our account and no one is available at the title company or the bank fraud department until Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint is toward Bank of America. 
My friend ( XXXX ) and I ( XXXX ) are buying an investment property. My friend works as an XXXX XXXX for a XXXX company in XXXX XXXX being paid in XXXX dollars. He is over there on a short tem contract. He is not scheduled to be back in the XXXX until the beginning of XXXX when his contract is up. 
XXXX executed a Power of Attorney that gave me the right to sign on his behalf for the investment property purchase. The Power of Attorney was signed and notarized at the XXXX XXXX in XXXX XXXX by a XXXX notary. I was just told by a BoA representative that they will not accept the POA because it was signed outside of the XXXX. 
This makes no sense to me as this is the point of a POA and one of the reasons for a XXXX XXXX 's existence. In addition to the fact that an XXXX is a sovereign state and is considered XXXX soil. I escalated it with Bank of America and they requested an exception to allow the POA which was declined. They advised me of the POA decline on Thursday XXXX/XXXX/2017. We are scheduled to close on Friday XXXX/XXXX/2017. 
I feel they are discriminating against a XXXX citizen who is working abroad. The POA was completed in accordance with XXXX and local law as it has been accepted by the title company who is insuring a clean and clear title.

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 2015-07-11 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Lender refused to issue Loan Estimate until I locked in an interest rate. Mortgage application was made on XXXX/XXXX/2015, I requested the Loan Estimate XXXX times. As of XXXX/XXXX/2015 I still have not received the Loan Estimate. Loan Officer stated that I will receive the Loan Estimate only after I agree to lock-in an interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I get a credit card secure from bank of america 8 years a go since that time bank of america denie go give me back the {$500.00}. Of the secure deposit. 
I contacted bank of america and for 6 months they still give me the same answer " bank of america give me a credit card of {$700.00} credit line '' that totally false. I never recive that amount of credit line. 
After one year past i finish the payments of the credit card secure and applied for the credit card and that credit was denied. 
I only need my money back.

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 2016-03-08 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: NV

Complaint narrative:
I am currently making interest only payments through Navient on my private student loans. The standard payments are so high that I can not afford to pay them and afford to take care of my family. Recently, my wife gave birth to our daughter that was born with premature with XXXX XXXX and XXXX / XXXX XXXX. Due to this very serious condition my wife, who also has student loans, had to stop working and we can no long afford to pay the monthly payments that has been requested. Also, it appears that due to high interest rates on these loans that I may never actually make payments against the principal balance while paying minimum. The current and " affordable '' payment plans would have me paying back on these loans for the rest of my foreseeable future. The payment plans allowed to me are cruel and unforgiving. I am unable to see a way out of this debt and my current path is leading me toward default with no possible alternatives. All of this is due to the manipulative recruiting practices of the XXXX XXXX XXXX XXXX XXXX. While attending this school I never acquired the skills I was promised and often coerced into signing for additional loans I did not understand in order to finish out my degree. Lastly, I was promised job placement at 'predicted ' wages that were never fulfilled. I 'm seeking aid and/or possible loan forgiveness due to unethical recruiting practices and having been coerced into signing for additional student loan funding I did not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 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 made an " extra '' payment on my private student loans on XXXX/XXXX/15. The payments due on XXXX/XXXX/15 had already been made on XXXX/XXXX/15 so no payment was due. Navient deducted late fees from my " extra '' payments even though these were not late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 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: NY

Complaint narrative:
I had taken loans for my education, recently I was XXXX I have been unable to find work in my field of study, I live on the verge of being homeless everyday. My Navient loans ( which was XXXX XXXX when I took them young and dumb ) have gone into default I tried to offer them XXXX per month until I can find gainful employment. I have been told that is not " acceptable '' They have basically refused payments from me. I talk to them they claim they will call me back they do n't. They try to talk in circles to me and when I call them on what they have said they say that I am wrong and I am twisting their words. I have asked them to give me my options in writing as they only give me half of the story when I speak to them. Their collection staff is full of collection agents that are nothing more than bullies. I am discussed and sick over this and would love for the government to investigate them for shady lending practices and abusive collection practices. I am sick of being spoken to as if I am stupid and not on the same mental level as these individuals that they employ that for whatever reason feel they are better than I am in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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 a great amount of debt with Student loans. I have loans that were XXXX XXXX and now Navient. Ialso have Student loans from XXXX. My loans are over XXXX. I went to University XXXX and received a XXXX. However, I couldnot afford to pay almost {$400.00} a month living in the XXXX. The reps advised me to get a defferment The interest rates are high now. No one advised me of other alternatives.I lost my job and some someone told me about XXXX payment plan years later which I am on because Im not employed but what about all that interest that accured. No one is never willing to explain to you other options but defferment.I would like for my loans to be forgiven..the world states University XXXX is a fake college but ... i paid all that money ... student loans but no job ... I live with my XXXX mother my credit has been messed up.dealing with student loans and tjey say they are not going to report ... they lied ... they harass you, they say they want to help you..but all lies. They misinformed me how the payments would be afforfable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I requested an interest only period when my loan entered repayment in XXXX per Navient 's suggestion as I was unable to pay the full amount. They assured me it would take effect before my first payment was due. About a month later I inquired since my payment amount did not change and was informed I was not eligible for that. They suggested a forbearance, but told me not to request it until XXXX XXXX so it would cover the full 3 months. I have gotten harassing phone calls every day since that instruction several weeks ago. Every time, the agent read the notes on my account and told me they would hold further calls until XXXX XXXX when I could request the forbearance. Yet, I still get called evey day multiple times per day. They will not stop.despite advising me to wait until XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have been charged an interest rate on my student loan of 6.8 % for the last 5 years. I have repeatedly asked for a lower rate that was on par with rates within the free market and have been told no every single time. Moreover, the people that I have spoken with have stated repeatedly that it is the government that sets the rate and they have no control over how much I pay. My full repayment is approximately {$580.00} per month. This is almost as much as my home loan payment and considerably more than my car payment. More alarming is that I have been charged this rate of interest at a time when my car loan rate is 2.1 % and home loan rate is 3.75 %. I am currently paying interest only and at XXXX years old, I can not see a pathway to ever pay off the {$44000.00} I owe to for the " education '' I received from University XXXX XXXX ( another matter as it is a for profit organization ). I am a single mother of a XXXX year old son whom I have not been able to save a single dollar for his education and he will be saddled with my loan if something were to ever happen to me. I was scammed from the very beginning from the counselors at the University XXXX XXXX to the Navient collection process. I have a nearly worthless XXXX and am at a loss as to how to remedy the situation despite my many conversations with Navient. This is unconscionable and as a tax paying citizen I want to pay back what I owe, but at this rate, it will be nearly impossible. I started my higher education to improve my life as well as my son 's life and at the end of the day, I am saddled with a worthless degree and a loan repayment plan that is not even remotely manageable. I would like to add that at no time did Navient ever take into account any other bills that I have, like so many other students, such as home loan, car payment, utilities, child care, etc ... Additionally, if I am so much as a week late with a payment, Navient calls me repeatedly on my cell phone while I am at work. I have had to block them as they have called me so much and I have not missed a single payment, ever ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My Bank of America account was hacked and frauded of {$9500.00}. Someone acquired my information and deposited checks into my account and then withdrew the money from my account and I was n't notified by my bank about any of this activity. My account was forcefully closed and I have a negative balance of {$9500.00} that the bank says I 'm liable for. I filed a claim and was told that I would receive papers to finalize my claim but instead they asked me questions over the phone and took my claim that way. My claim was denied within 24 hours and I have inquired about appealing my denied claim but no one will take my questions regarding that. I just want the debt resolved as I did n't write the checks or authorize any of the transactions that occurred.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 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:
Bank of America has charged me numerous XXXX fees due to my account being overdrawn. I was never alerted about the overdraft even though I have signed up for text and email alerts concerning my account.

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