vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am a XXXX in an XXXX. I do not make a very large salary, and I wanted to apply for the income-based repayment plans and see what other loan forgiveness options were available to me as I work in a XXXX outside of XXXX, NJ. Instead of getting information about how I can consolidate loans, forgive loans, and then move into an income based repayment plan after those steps were taken, my loan servicing provider just told me to defer my payments by sending me emails that were titled, " XXXX, Reply YES to Resolve Your Student Loan Payments ''. I never got clear information on how to actually apply for and qualify for a new repayment plan for someone in my career field. I know there are options available to XXXX, and I was never made aware of them by my provider. I am accruing more interest and hurting myself in the long run instead of making strides towards paying off my loan and working towards lowering the debt. I feel like the provider did not provide me clear options about my loan repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Bank Of America. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted BOA and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did BOA mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, BOA notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if BOA had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling BOA at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at BOA after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and BOA is using this to their advantage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
XX/XX/XXXX, Carrington Mortgage Services, LLC, purchased my Loan from XXXX While I was In dispute of it being an illegal loan. Before the final papers where supposed to be signed I contacted by phone CMS to not complete the transaction because of the dispute. But, HUD had already allowed XXXX to sell and claim the Insurance. I wrote to The CEO of Carrington explaining that the original Deed covered under the First time Homeowners program had restriction which were ignored in creating my loan, thus making it invalid. Carrington has also ignored these restriction. I am attaching the part of the the deed restrictions as pointed out to me by the director of the XXXX County Housing Authority which overseas the XXXX program. I also had a second mortgage with XXXX and after researching the restriction, released my Lien in full. I am also attaching a copy of the Lien Release. I have asked XXXX to release my Lien and now I am asking Carrington Mortgage Services, LLc to also release my Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern My wife and I have been contacting Bank Of America for about two months now and getting no helping answers leaving us very disappointed with B of A. We have a 15 year loan and are final payment according are contract is XXXX/XXXX/XXXX. Are most recent statement says that are contractual remaining term is 05 months. The problem with this is we will have a balance of approximately XXXX dollars now we were able to get a customer service person that told us who was not even sure but said come to the end of this term we would need to have the balance payed off in full or Bank Of America will take action with foreclosure on are home and it will affect our credit. 
Trustworthy and reliable customer for about 15 years current with all payments and yes We are considering going with another financial institution if this situation is not going to work for us. 
Thank You XXXX XXXX Here is my follow up letter on this situation after receiving a letter on XXXX/XXXX/XXXX from Bank Of America -- I am going to make this short It does not take 24 days to research this problem It takes about one hour only because as I had mentioned in the first letter to customer relations with Bank Of America. I have received a letter from XXXX XXXX regarding a search on our loan. But this search is from a different loan this is not ours and the only note that was sent was our promissory Note from XXXX XXXX XXXX which reads our final payment due XXXX/XXXX/XXXX Not XXXX XXXX! There is No Resolution To this Legal and binding Contract. Please be advised any more notes or History of payments will not be accepted. We need an explanation of why our loan was extended without an approval and a signed plan of documentation. And lastly We have No plans of using modification, to cover this Bank Of America system of doing Business this is Not good Business, and please note on your letter you state that you are a dept collector I hope you are not for the reason of LEGAL matters, If so then we have a situation with our understanding on our Loan. 
Thank You XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 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: PA

Complaint narrative:
I have private loans with Navient ( XXXX XXXX ). I 'm a XXXX, XXXX with medical issues, working part time as a XXXX, not what I went to school for!!! I have been making payments or been in some type program that " offers lowered payments '', and they automatically take money out of my account ( BIGGEST MISTAKE EVER ), payments were taken out that I did n't authorize. So I then had to open a new account and got behind on payments. The phone started ringing off the hook, they started at XXXX every morning and continued till XXXX. They called and harassed my co signers at home and their place of employment after being told not to call them there also called relatives. I would call and pay what I could but it was n't good enough, each time I spoke with them I was harassed and/or threatened to the point where I live in fear that I have to pay them and not feed my XXXX year old son. I ca n't live like this any longer. Today they called and told me I have to pay them {$59000.00}, or it gets turned into an attorney. I 'm not sure what to do now? Where do I get help? I do n't have that kind of money laying around, and I have no clue how my loans are so much!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have been the victim of financial fraud by a family member that was XXXX time for it. It has caused me many issues with my credit and personally. Many of the items that are on my credit report were part of the fraud and I am stuck with trying to fix it as best I can. I have worked for years with those that have allowed me to do so. Those that were unable to do so are the ones I am now trying to clear up and at least get them to show correctly on my credit report. This has been very frustrating as a consumer, so now that I have found this website, I am hopeful. 
Bank of America canceled debt on XXXX accounts. 
They also show " placed for collection '' instead of " canceled debt '' I received this XXXX for tax year 2013 for both accounts yet they still report it on my Bureau with differing amounts from the XXXX and although canceled, they still report it as a collection account instead of closed/canceled. It is canceled and I paid taxes on it in 2013. I do not seem to have any rights as a victim to get this corrected. BoA should not be allowed to both cancel it and report it open, I understand it will show on Bureau as canceled debt, but they should not be allowed to continue to show it as an open balance since they told the IRS it was cancelled. 
I am trying to clear up issues that were not my doing, but were in my name, my name and SS # were fraudulently used multiple times. Please help me in this matter, I can not seem to get BoA to willingly fix this issue that is clearly being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Navient calls me 10+ times a day after only being 1 day late for pmt, if I do n't answer then they harass my Mother because she is a cosigner, they call from different numbers every time and even outside of their business hours. If I answer and tell them that I plan to make a payment they still call and harass me every day

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient robocalls 5 times a day both my home phone and my cell phone. It is my son 's student loan. I did NOT co-sign his loan and have told them in writing to stop calling my cell phone. I wrote to them and faxed the information to have them stop calling me. My son does not live with me. Yet, they continue to robocall XXXX phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: AZ

Complaint narrative:
Curious what my option are given Navients recent lawsuit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an offer from XXXX XXXX offering XXXX reward points after spending XXXX. I applied and received the card. I made the purchases on the credit card within the time frame only to have XXXX XXXX tell me that I do n't qualify for the offer because I hold another XXXX XXXX card. I have written complaints. To XXXX but have n't received the credits. XXXX XXXX sends out offers to consumers to get customers and need to abide by the rules and honor their offers. I could have spent my money with other credit card carriers and received rewards for using ther credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX/2016, I wrote my mother a check for XXXX dollars toward home ownership inspection. On XXXX/2016, I was the victim off bank fraud via the same check. On XXXX/2016 Bank of America 's fraud investigation team submitted a claim against my mother 's bank account at XXXX, in error, believing her to be the criminal party involved. If they had properly investigated the situation, they would have verified that she did not receive the stolen funds or had a XXXX deposit for that day. On XXXX/2016, I saw that the claim had been pursued against her, not the guilty party. Of course, I had to return her money since she did not steal it from me. I believe Bank of America may have pursued the claim against my mother to cover themselves by claiming to credit me, without paying for the damage themselves. The guilty party, XXXX XXXX, was shown to have deposited my check into a Bank of America account and is currently being pursued by law enforcement. Bank of America has since refused to return my funds.

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 2016-03-18 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:
Bank of America debited my account on XXXX XXXX for an annual service. The teller told me there was another person on my account. I cancelled the service the next day XXXX XXXX because I was the only account holder, and I have concern about their mistake.The person who closed my account refused to refund my payment, instead she told me to call the XXXX number which I did several times. TheXXXX refused to give me a reference number nor was I given a claim number initially. I was told to call the bank, the banking center said the person in charge was n't available. I got a letter from BOA where it stated there was NO transaction on XXXX XXXX for the amount of {$240.00}. I have supporting papers of payment, cancellation of service and their letter refusing to acknowledge they had debited my account of {$240.00}. I.tried to take care of this situation on XXXX XXXX, but all I got was being out on hold and being transferred from XXXX dept to another with long wait time in between while being put on hold. They might expect callers to be discouraged and hang up so they do n't have to fix their mistake by doing a refund. I filed a complaint with XXXX and the Bureau of Consumer Financial Protection so unwary customers wo n't get scammed this way.

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 2017-01-19 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: FL

Complaint narrative:
I have had to forbearance my loan and the percent increased so much. I am currently looking into the school I attended. Because I did n't finish but I never received the balance left. And I do n't believe it was reported back to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened an account at Bank of America. A couple days later it was closed by their Risk department. I have {$300.00} in the account that the bank is not letting me withdraw - they are holding and investigating the money due to a " cash jam '' at the ATM when I deposited the {$300.00} cash. I was told I can not get the 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 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I believe that this alleged debt us fraudulent, because according to the date in question I was insured through XXXX have been employed at XXXX for Aprox. 5 years. So as XXXX of these facts there is no way that I owe any hospital.

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 2015-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tulsa Adjustment Bureau
State: KS

Complaint narrative:
I do not owe this debt because i has a medicaid card that would have taken care of it and now it is making my credit look bad i have had a medicaid card since 2008, and nobody at the hospital said anything about not accepting it and i did not receive any bills for the XXXX visit so i dont feel like it owe it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
We have made several attempts in requesting a modification ( HAMP ) with BOA, but to no avail. I feel that I am being discriminated against as B.O.A. have made provisions for modifications for other loans and have not approved this loan. In XXXX of 2012 my wife suffered a XXXX and it has left her XXXX and we loss her income. Prior to my wife 's XXXX we were never late in XXXX years on this loan. In addition, this hardship has caused us to be at imminent risk and we are facing foreclosure on this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I lost my business in the recession in XXXX and was forced to file for bankruptcy.My house that I had at that time was included in that bankruptcy and discharged but Bank of America /XXXX ( not sure- this loan has been sold many times ) continues to send me notices that I not only owe the loan amount but interest they have calculated since then which they say is double the amount of the original loan, which they are claiming close to XXXX dollars!! Even though, I put down {$280000.00} deposit when the house was purchased in XXXX. I do n't know why this is continuing after all this time has past. I have also been sent recently a foreclosure on that same property from 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
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is refusing to give me any assistance. I have contact them multiple times and each time they deny any request for me to go on a payment plan of any sort. I have requested multiple time and each time the bank denies me and claims I can afford my payment even though I have gone over the information with them multiple times. I had medical bills in XX/XX/XXXX/XX/XX/XXXX that are in a personal statement on my credit report. They deny me every time even though they do not have a full copy of my credit report and they can not see my medical bills. They do not request exact information they ask you to estimate and they do n't request documentation.

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 2016-01-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation