vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The BANK OF AMEIRICA is collecting a loan ( s ) from my XXXX money ( checks ) and XXXX Insurance money ( checks ) that I never applied for.

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 2015-08-16 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
HELLO I WENT TO CASH A CHECK AT BANK OF AMERICA THAT I HAD FROM A PAYDAY LOAN COMPANY AND BANK OF AMERICA CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My daughter has made payment arrangements with Navient for student loans on which I am the co-signer. The arrangements are in effect yet they persistently call several times per day even on Saturdays and Sundays!! They called on XXXX occassions when my daughter was at home and she spoke to them about the arrangements that were made and asked that the stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 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 incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX I noticed that my Bank of America account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Bank of America to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 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: MN

Complaint narrative:
My complaint is regarding a late fee Bank of America ( BOA ) has fraudulently assessment on my account. I have spoken to an account representative and her manager about this issue today XXXX/XXXX/15 and was advised it assessed because my payment was processed at a certain time. For all I know the reference number for my complaint with them is XXXX, XXXX and XXXX. 

According to my monthly statements Late Payment Warning, if they do not receive my Total Minimum Payment by the due date ( XXXX/XXXX/15 ) then a late fee will be assessed. Nowhere on my statements does it reflects that a payment must be made by a certain time. Therefore, on XXXX/XXXX/15, I made two payments, one with a representative due to their online issues and another on the website after It was determined that the issues were only with their acceptance of new banking information I attempted to add. 
For me, this is a simple fix as I have been with BOA for more than 10years but I guess this is something that 's not relevant to them. As I stated, they did not disclose a time on my statement and I 've made the payment according to the information I get from them. To remove myself as their victim, I 've paid off this account except for the erroneous fee of {$25.00} and have also paid off my fianc 's account off which had my name on it. At this time, it 's up to BOA to finalize the closure of my account because I will not pay this fee as I 've complied with their due date not due hour. 
I am requesting confirmation in writing indicating the closure of all my accounts with them. ( I am sure they have my social and know all accounts is associated with that social. ) If they find an account with my social, then I would like to be notified so I can also pay that off and get away from this bank completely. For all I know, I only had the XXXX accounts in which are paid off as of today. 
Please note that I do not care about their logic as I can only imagine how many people they 've done this to and have gotten away with it. All I want is that they correct their issue with this late fee and let 's go our separate ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Started repaying my loans in 2010 to XXXX XXXX which is now Navient. I have been struggling since then to repay my student loans and have been living below poverty level to make sure that my bills are paid. I contacted Navient several times to try to set up a payment plan that I can afford. They refuse to work with me and I just can not afford their idea of a payment plan. My parents offered to do a settlement and the representative refused and was rude and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The following complaint is against Bank of America. Loan # XXXX in conjunction XXXX XXXX Ph. XXXX Whom was supposedly facilitating our loan modification review .We submitted all requested documents in XXXX XXXX To Bank of America XXXX XXXX XXXX Bank of America sent correspondence stating I needed to sign my XXXX tax return, Send recent bank statement. Forward by XXXX I emailed/faxed copies of the documents to XXXX XXXX XXXX XXXX XXXX who was supposedly facilitated the modification. Approx XXXX XXXX. XXXX I called XXXX XXXX requested to speak with XXXX XXXX received his voice mail again. This Matter has been going on for three years. very disturbing for someone whom takes account for my lack of .However both Bank of America/ XXXX XXXX should be held accountable for the unethical conduct surrounding the matter at question. Had no idea the due process for a loan modification would result in filing mutable complaints. Seems as if this is the only way to obtained a response from Bank of America/ XXXX XXXX XXXX Note : I have FHA loan the bank is suppose to allow me a modification if I met the guidelines within the 24 months required before requesting another modification prior to the current..

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 2015-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XXXX/XXXX/2015 a repersentive from HUD stated " Bank of America submitted a new variance request over to HUD today and we have approved this and let BAC know and they will now be moving the file forward. Let me know if you need further assistance. " As of today, XXXX/XXXX/2015, BAC has not moved the file forward in the 7 days since then? The variance was approved. The offer I sent on XXXX/XXXX/2015 meets the minimum net and is not requesting any closing cost assistance. We should have an approval letter by now. Why is BAC dragging their feet? 

Also, BAC has scheduled a foreclosure sale on this property despite having the short sale contract package since XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
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: CT

Complaint narrative:
I had no job due to being laid off, I tried to work out a payment arrangement and was told I still had to pay regular amount. My income tax was taken and incorrect information was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My bank of America debit card was lost/stolen/misplaced and someone has used my debit card to complete fraudulent transactions. Bank of America allowed XXXX checks to be deposited and cleared that were then realized to be counterfeit checks. ( {$580.00} x XXXX ) from a company named XXXX that I have no connection with. The checks were cleared and then the debit card was used to withdraw {$1100.00} in cash, and make large purchases at places such as XXXX and electronic stores. This counterfeit money was deposited and then taken out within an hour according to what I was told. I contacted bank of America when I realized my debit card was really lost and my online account had locked me out. Bank of America told me that I am never able to have an account with them again and that I will not be receiving my valid pay check via XXXX XXXX XXXX because my account is in the negative due to the counterfeit checks reversing. I told BOA that I would be filing a police report. I asked BOA if they can tell me the location and time of the atm transactions. I have spoken to many people and I 'm still not 100 % Positive if the transactions took place in XXXX, Delaware, or somewhere in Pennsylvania because BOA cant seem to tell. I am assuming XXXX, Delaware because XXXX XXXX XXXX is in DE, and a representative assured me there is a BOA atm inside of that casino. BOA is not helping me and do not seemed concerned at all that this has happened to me. My hard earned pay check was swallowed whole into a negative account due to counterfeit checks that BOA can barely even verify a location. I also asked if they can locate the ATM and have survelliance pulled because it was not physically me at the ATM. They said I need to deal with the police department!!! 

terrible! no help from the company that I have been using since I XXXX for them in 2014. please help ps : bank of America security questions - someone, ( probably the same individual who had my debit card ) actually called bank of America XXXX pretending to be me and submitted a fraud claim as if they were disputing these charges, ( before I was even aware of them ) My entire wallet was stolen and bank of America asks security questions such as DOB, full name, and extra security is often a driver 's license # ( I know this from XXXX there and from the fact that ive called them multiple times today and every single time I was asked for my DL 's # which thankfully I know by heart ) Making it very easy for someone with a stolen wallet to easily by pass security!!!!!!!!!!!!!!!!!!!!! My full name drivers license and DOB are all on the ID inside of my stolen wallet, and someone is easily calling bank of America and by passing security with a breeze

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 2017-03-18 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:
Can seem to get it paid down sometimes my whole payment goes to Intrest n not principal I feel like I am getting ripped off they never can help me with being able 2 pay off n they haresse me all the time!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 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:
My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have not received any mail or calls from the lender since XX/XX/XXXX when it was charged off my account. Then yesterday a collection company called my cosigner and asked for a payment of {$4000.00} toward a debt from XX/XX/XXXX of {$14000.00}. The collection company also told her that by paying {$4000.00} her financial responsibility as a cosigner would be removed. I have not received any notice of right to dispute, nor was it mentioned in my call today. As far as I was concerned this account was charged off and it does n't even appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 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: IL

Complaint narrative:
I sent an additional payment to Navient with instructions as to how to apply the additional payment. Navient did not follow those instructions, even though I followed their policy by enclosing a separate piece of paper with instructions as to how to apply my additional payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification. In response to CFPB Case number : XXXX, Bank of America representative XXXX XXXX requested that I submit a Form XXXX On XXXX XXXX, 2016, I submitted a Form XXXX to Bank of America and XXXX XXXX XXXX XXXX XXXX then requested that I submit a letter of explanation of monthly expenses. On XXXX XXXX, 2016, I submitted a letter of explanation of monthly expenses to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, XXXX XXXX requested that I submit a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for retirement income. On XXXX XXXX, 2016, I submitted a letter of explanation of additional monthly expenses, a letter of explanation for business income, and a letter of explanation for IRA income to Bank of America and XXXX XXXX. On XXXX XXXX, 2016, I received a letter from Bank of America dated XXXX XXXX, 2016, asking for the same documents that I had previously submitted : a Form XXXX, a letter of explanation of monthly expenses, and a letter of explanation for retirement income.

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 2016-08-03 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: CA

Complaint narrative:
Issue with Navient Student Loans - I refinanced my mortgage and closed XXXX XXXX, 2016. The escrow company sent checks to pay off my wife 's student loans. Navient cashed XXXX check, lost the XXXX one, and we found out a month later they did n't credit any of the monies against her account. But we had to call to have them send back the money they kept. 

We 've called like 10 times, spoken to supervisors, been sent to other departments, etc. 

Navient then returned some funds, so we sent XXXX more checks XX/XX/XXXX to clear the account. They cashed the checks but did not credit the accounts for the monies they 've received. My wife 's account then went into default, so we did a forbearance. 

A month later they said they sent out the checks to escrow. Three weeks later we called again and they said no they had n't sent the checks but were sending them out. Then weeks went by, no checks, and they said they still had n't sent them out, but they would. 

Now it 's XX/XX/XXXX, no checks, they said they sent the checks out again and no one has seen the checks. 

We just want them to take the money they have of ours and credit her account, credit her with the interest they 've overcharged her while they had her money, and be done with this and Navient! 

XXXX XXXX XXXX wife XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: MO

Complaint narrative:
I XXXX from college in XXXX and consolidated my subsidized and unsubsidized student loans for a 20 year term. Since XXXX I have done the following in an attempt to pay off my loan sooner : 1 ) Paid more than my minimum payment for the first 5 years 2 ) Signed up for automatic withdrawal to ( supposedly ) qualify for a 0.25 % interest rate reduction 3 ) The 2 years I was in XXXX school the unsubsidized portion of my loan was ( supposedly ) not accruing interest, however, I was still making MORE than the minimum payment in an attempt to pay off my loan sooner. 

When I logged onto my account this month XXXX XXXX XXXX ) I noticed my payoff date was in XXXX - this would make my loan term 22 years from my date of XXXXon in XXXX. How is this possible when I had a 20 year term AND had done the above XXXX activities in an attempt to REDUCE my loan term? I called Navient to inquire and got different stories from every representative and supervisor I talked to. The supervisor I spoke to indicated he was forwarding my complaint to Navient 's research department to investigate. The next day I received a useless letter from the research department that simply contained my loan amount and the payoff date ( in XXXX. ) I called Navient again and told them I was reporting them. The representative I spoke to this time just kept saying " well, we bought your loan from XXXX. '' I really do n't care who bought or sold my loan as I had no say in this matter at all. I signed an agreement when I consolidated my loan ( to a 20 year term ) and it was obviously broken in some way without my consent. In this situation there is no physically possible way that Navient was not taking money in some sort of unethical manner. This needs to stop. Others need to be protected from this happening to them as well.

Company response to consumer: Closed with explanation