vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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: MA

Complaint narrative:
1. Over a period of eight years, Navient ( and previously XXXX XXXX ) has consistently mis-enrolled my loans in an automatic repayment plan of a limited-term nature, INSTEAD of a plan of indefinite length, as I had requested. The effect of this error has been that, though I had believed monthly payments were being made continually and always on time, in fact, they were not ; thus, the loans became late ( and once even delinquent ) without my knowledge. Additionally, sometimes when the full payment due WAS extracted from my bank account, Navient misapplied those funds -- overpaying some loans, and contriving delinquencies on others. Over time, I learned to monitor the account and catch and report these errors. However, these errors have been so constant, despite my exhausting advocacy, and the potential financial consequences for Navient so rewarding, that I can no longer believe that agents there are not misrepresenting terms to me and/or intentionally trying to 'push ' my account into negative standing. 

2. Navient, without any knowledge of my financial situation, discouraged me from seeking income-based repayment options on my federal loans. Their agents told me that they 'thought ' I 'likely ' would not qualify, but, despite my asking, did not walk me through the details of the program or resource me to make my own choice. 

3. Some years ago, my federal loans were refinanced by XXXX XXXX ; the process was already completed before I was informed that some money, borrowed at the lowest, subsidized rates, would, upon consolidation, come to be financed at a HIGHER rate, that, while some rates would come down, others would go up. I was not given the option to exclude them from the refinancing, or told that they were being enrolled at a financially disadvantageous rate. I was not made aware that I could see the existing rates on the federal database to 'double-check ' the counsel and work of the agents. 

4. In speaking with Navient about how I could not afford to make my monthly payments because my private loans with them were financed at the usurious rate of over 10 % (!!!!!!! ), an agent informed me that refinancing elsewhere would hurt my credit score by disrupting the continuity of the loan 's lifespan and end up hurting me more in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I HAVE A ACCOUNT WITH BANK OF AMERICA, AND THIS PAST YEAR, I HAVE HAD A XXXX STAYING WHILE GOING TO SCHOOL, HE HAD EITHER WROTE MY CARD NUMBERS DOWN OR TAKEN MY CARD AND REPLACED IT IN MY WALLET. AS SOON AS I GOT A NSF FEE STATEMENT, I WENT AND LOOKED AND WHAT A SURPRISE, XXXX WORTH OF TRANSACTIONS, HE DID THE SAME WITH MY XXXX CREDIT CARD, HOWEVER I HAD DRIVEN HIM TO THE AIRPORT THAT DAY, I FOUND OUT. I CONTACTED BANK OF AMERICA DIRECTLY AND AS THE SMALL PRINT SAYS, I AM COVERED FOR THAT LOSS, THEY GAVE ME A EXCUSE THAT HE DID NOT GO SPEND HAPPY WITH MY ACCOUNT AND I SHOULD LOOK AT MY ACCOUNT DAILY .I AM TOTALLY THROUGH WITH BANK OF AMERICA, NOT ONLY DID I GET TAKEN BY HIM, MY OWN BANK HAS TAKEN ME AS WELL AS THEY DO NOT WANT TO EVEN REFUND THE OVERDRAFT THAT WAS CAUSED BY THE INCIDENT

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 2016-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i am not able to open up a bank account because when i was XXXX i opened up my first bank account with bank of america with a counterfeit check that i received in the mail. i was young and i did n't know any better because it was my first bank account. the way i got a the check was by applying online to a job that was being a secret shopper. the point of the job was to give feed back about the shopping experience. so they sent me a check and i did not know it was fake. i did not try to withdraw any money either i just wanted to deposit the check but not take any money out. i was a victim of a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XX/XX/2015, I traveled out of the state of my Mortgage residence owned, XXXX, to work on a three month contract in the state of XXXX. My account at Bank of America ( Mortgage Checking Account ) was lost and lifted out of my name by Bank of America. The account status was never fully restored and payments to my mortgage when I returned to reside at my home in XXXX in XX/XX/XXXX-XX/XX/2015 were refused application to my Mortgage account and lost. I also found two years of Escrow take on my Mortgage Escrow funding.

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 2015-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
We received XXXX insurance settlement checks in XXXX this year for a claim from storm damage. XXXX check issued for {$10000.00} to XXXX XXXX and Bank of America as payment towards the estimated loss of {$24000.00} for water damage to our basement. A XXXX check was jointly issued to XXXX XXXX and Bank of America for XXXX for the storm roof damage. After several attempts to work with the bank, they are refusing to release the funds unless we have a general contractor fill out a XXXX and received payment for both checks. Bank of America wants to issue XXXX check to XXXX XXXX and a general contractor for {$18000.00}. 
Since the insurance settlement payment was much less than the total loss, we did most of the contracting ourselves and hired individual contractors to do the work. 
The problem being that no one wants to be on the XXXX check as they will be charged taxes on the entire amount even though they are only completing a small portion of the work. 
At this point we are at an impasse with the bank and now the bank is encouraging us to get a construction loan and to forgo the insurance settlement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Notice of representation was sent to Bank of America on XXXX. A letter confirming receipt of authorization along with our request of a verification of mortgage and transaction history were received as requested along with the Notice of representation. After speaking to several representatives in regards to the loan modification our office is no longer authorized to speak on behalf of the borrower. This is a stall tactic practice by Bank of America and it 's representatives. On XXXX XXXX and XXXX XXXX Customer Relationship Manager 's state our office is not authorized. This is a violation of the borrower 's rights to legal representation.

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 non-monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
On XXXX separate medical debts, Syndicated Office Systems, LLC, which does business as Central Financial Control ( CFC ), reported to credit without providing me the opportunity to dispute the debt or failed to validate the debt before reporting to credit. There was no communication at all from CFC on a number of accounts. I was not aware of who CFC was until I pulled my credit report and found the impairments on my report. 

When my attorney attempted to contact CFC to discuss the impairments, they refused to speak with him, despite having been provided notices of representation. CFC appear to be improperly using HIPAA as a shield to avoid responding to consumer disputes. CFC claim they can not comply with the validation requirements of the FDCPA without a HIPAA release, contrary to the exception language in HIPAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Bank of America Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am a disabled/retired state employee that banks with the State Employee Credit Union. They also hold my mortgage ... Which is two months behind. I have been working with XXXX XXXX, at the XXXX XXXX office in XXXX. Last month she deducted {$300.00} out of my checking account to go towards my mortgage ... without any notice or authorization from me. I live on XXXX and a widow 's check ... And I barely make it month to month. To take {$300.00} from me causes me a hardship you would n't believe. My co-pays for my meds are around {$200.00}. I got on the phone last month and ended up talking to XXXX. He told me that if I ignored letters and phone calls, they could legally take it out. This was the case with me ... last month. He allowed me some money back so I could get my XXXX and live on until my next check on XX/XX/XXXX. Well ... She did it again! She took out {$300.00} on XX/XX/XXXX. Only this time I had not ordered my medicines yet ... Any of them. XXXX XXXX suggested we call the bills I paid that morning to get them to hold or delay payments ... I declined. She also told me that the money was showing in my account and that I should hurry and get my medicines while it was still there. I was NOT out of touch with her ... we had talked the previous month. We discussed me putting money into my share account ... And I had put {$100.00} in there ... she still deducted the {$300.00}. he has no right to decide how and where I spend my money ... And especially not to leave me hanging with no money and n medication for 3 weeks. Seems like she should be doing foreclosure papers ... Not taking my money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at XXXX on XXXX XXXX and no response was given after I mailed request.This company is also reporting on my credit bureaus for the same debt as XXXX XXXX XXXX. So I have duplicate debt showing on credit file.

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 2015-12-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank america wrongly foreclosure my home XXXX XXXX, denied my making home affordable loan program, lost mitigation Va loan, knowing my home was going to sale and I needed urgent immediate help to stop sale. Bank of america used communication tactic, harassment, lied and denied about application and the paper work, also claimed loan specialist whom I was communicating with does n't exist, then called me and told me my home was to be sold XXXX XXXX XXXX yelled at me saying that i need to get my own lawyer and sold my home XXXX XXXX XXXX .Destroyed another XXXX XXXX and XXXX over 8 years .I am retired soldier fought for my country over 20 years and still working XXXX spending my own time and money XXXX XXXX i need help now.Bank of America DESTROYED my credit took my 20 years home memories and dreams now I am homeless Veteran.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 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: CA

Complaint narrative:
I have been applying to receive a lower monthly payment from Navient since late XX/XX/2016. I am on an income-based repayment plan, and the amount increased from {$180.00} to over {$400.00}, which I can not afford. I have submitted every document asked of me, and every letter asked of me, and done so quickly and responsibly. Every time I call to check in on my income-based repayment recalculation, I have to start the entire process over again as the employees are not taking notes and no one is updating anything in the system. Also ( and I hate to complain about this, but it is true ), every time I call there is a language barrier that makes things more difficult and slow-going. I get put on hold several times and not a single phone call has been shorter than 45 minutes. Finally, when I have submitted the documentation requested, they have taken several weeks to review what I have sent, and then denied the recalculation because the documents " expired '' in the meantime between submission and review. It is now almost XX/XX/XXXX, and no recalculation has been made, however, they just keep putting off my bill 's due date for the " inconvenience '' while my account continues to accrue interest. I am starting to believe that this is all a tactic to get me to give up and pay them the large monthly amount, which I can not do. This has been the most frustrating experience I have EVER had with a financial institution. This is a crooked company that does not care about it 's account holders ( most of which were assigned to them and never wanted to be their customers in the first place ). Navient clearly has horrible management skills and I feel incredibly sorry for the employees they 've hired overseas who have to deal with the brunt of all our frustration with this crooked establishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 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 have not apply for this home equity and have not authorized the credit check. They did anyway without my authorization. 
I 'm very upset that this happening.

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 2015-10-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a credit card with Bank of America for more than five years ago, when I started to use the card, my minimum payment was approximately {$80.00} now, every time that I used the credit card, the rate increased, and the minimum payment too. 
In the month of XXXX, my mother-in-law died, days before payment due, and I was late in the payment just for 4 days, but anyway I made a payment for {$320.00}. 
now I get the receipt with a minimum payment of {$460.00}. 
For me this payment is extremely difficult to meet, I think the Bank is violating the laws to increase minimum payments and interest without informing the customer. 
Could you please intervene to adjust the monthly payment to me as I had at first time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I pay my mortgage payments with Bank of America ( BoA ) on the XXXX of the month online. ( It takes up to 7 days for it to clear the bank which by the way it is from a BoA checking account ) Unfortunatelly starting on the XXXX of the month, the XXXX harassing phone calls a day will start wanting to know why I have not paid the mortgage. This never ends until the payment has cleared. Is this really necessary? Do they not look into the BoA account and see that there is a confirmation on file with a payment scheduled for clearing before starting the calls? Now the kicker of the most troubling part is that they have now started to call my dad who is my emergency contact asking him to contact me to make payments that technically has already been made. Not only is this annoying, but also disrespectful because I have been a loyal client of the bank for over 20 years. If it was not because I have multiple accounts with them, I would close all my accounts and stick with my credit union.

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 2016-04-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am concerned that Bank of America is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with BOA to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of BOA give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that BOA would just make up rules as we went along. I even asked several times are you stating that BOA does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?

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