vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-11 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 had opend a account with bank of america and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self.

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: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir or Madame, In late XXXX of 2016, I mailed a check for {$10000.00} to Chase Card Services ( " Chase '' ) for the balance due on a Visa credit card ( account number XXXX ). On XXXX XXXX, 2016, after confirming with Chase via telephone that they never received that check, and fearing it must have been lost in the mail, I authorised a one-time electronic payment from my credit union to Chase for {$10000.00} ( the then current balance on the account ). The electronic payment was made, and, later that same day ( XXXX XXXX, 2016 ) the check for {$10000.00} was cashed by Chase. I have since contacted them via telephone to request return of the large positive balance in the account, and I was told via telephone they would not do so. On XXXX XXXX, 2016, I sent them a formal letter again demanding return of the outstanding funds, along with a reckoning of the account and its closure. I also advised that if I did not receive a response by XXXX XXXX I would pursue legal action. I have received no response to this letter. I would appreciate any assistance you might provide. I have sent a copy of this correspondence to California 's attorney general ; that complaint, along with this correspondence to you, are the only action I have taken besides my attempts to resolve the matter directly with Chase. I am also seeking to initiate a civil action against them ( I would prefer not to, but I see no other option. ) Thank you in advance for your time and for any assistance you can provide.

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 — Having problems with customer service
Company: Navient Solutions, LLC.
State: SD

Complaint narrative:
Navient refuses to work with me. Their website states they 're here to help but has chosen to ignore my request for a deferment and I have been subjected to numerous phone calls and e-mails from them. If I knew that updating my information with them would have this negative consequence I would of never given them my new information. I am having financial difficulties and requested a deferment until XX/XX/XXXX of this year but they have ignored the request and instead I am the recipient of near constant phone calls and e-mails. My loans are now way past due and they refuse to bring them current and grant me a deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I continuously requesting proof an agreement was entered with the collector. I requested a thoroughly investigation from all the XXXX credits bureau to provide me proof on how the debt was incurred and sign promissory contract was enter I have not received any of that instead an investigation was done and it stated " This item belongs to you '' This is not an acceptable investigation. 

XXXX XXXX balance Owed {$430.00}

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 2017-01-20 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: LA

Complaint narrative:
Was paying XXXX and Navient $ XXXX+ faithfully every month. I went through a financial hardship and called in several times to see if I could get the monthly amount decreased. XXXX and Navient told me that they could not grant that request and that I would have needed to reach out to another financial institution such as my bank to see if they could possibly refinance it with a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Property was foreclosed and sold in XXXX XXXX by Bank of America ( BOA ). It was filed in XXXX XXXX, OK on XXXX XXXX, XXXX. Forms XXXX were issued for the transaction. It was n't until XXXX, XXXX ( with a letter written by my attorney ) that the account was written-off and closed. I then applied to refinance my current FHA mortgage in which Bank of America was also the service provider. As part of closing, the new lender requested a pay-off schedule from BOA. In RETALIATION, BOA reopened the closed, foreclosure account XX/XX/XXXX. I am getting HARRASSING phone calls from BOA saying that I am still in foreclosure, almost 4 years later!. Now, the mortgage broker says that I ca n't get refinanced because the foreclosure is being reported as current. I am 100 % positive that BOA is illegally reporting false information so they can keep my current mortgage.

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 2017-01-28 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: IL

Complaint narrative:
The loan repayment process has been a long painful struggle. When applying go my federal, non-Federal, and Navient loans it was not made clear on what is expected of the borrower and payment process. When initially applying for loans, it was not noted nor was I informed that the loan would be broke up into many smaller loans. The interest rates for the loans have been so high that even paying the bare minimum does nothing on the principle balance. I have tried to make my payments and have applied for forbearance 's when struggling but my principle balance and interest continues to grow. When looking at my accounts, it is completely confusing to understand the loan process. Since I have had to apply for forbearance 's, my interest has added XXXX dollars to my loan since graduating. When applying for repayment plans for certain lengths of time, the long-term actions of the borrower is made unclear. When the repayment process is over, the loan payments and interest rates skyrocket to make paying the monthly amounts unrealistic. I recently have been paying monthly on my loan, however I keep getting calls several times a day about non-payment. When I call and talk to a person, I keep getting different answers and nobody seems to really give me an answer. Last time I called, the person told me that I have not been making payments and there is no record of me making payments, however it have been debited from my bank account for several months. The whole process is overwhelming and I know I will never come out ahead.

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: OR

Complaint narrative:
I called first XXXX XXXX and told them I needed help paying my loans they consolidated my loan but the interest rate kept going up then Navient took over and when I tell them the payment is too high they put me in forbearance for a month or 2 at a time and I end up with a debt of XXXX from XXXX. I ca n't pay my loans it will be XXXX if I make my payments of XXXX a month I ca n't afford that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
Calls repeatedly from a fake local number every day, no voicemail just calls. Sometimes twice in less than a minute. Finally sent an email with the proper debt notice, but continued to call over and over each day. When I had time to step away at work to talk, I asked for the full final bill for the debt, never received it. I asked multiple times when they would call me again. Finally, I decided to settle the debt via payment arrangements. Set them up and when the second payment was to go thru it did n't. Received emailed on Sunday about debt, received 3 calls on a Monday morning, called them as I was confused because of the arrangement that was set. Come to find out they do n't do auto payments which was n't made clear to me previously. Made that second payment and now all of a sudden the arrangements change, the previous person should n't have made the arrangement with me and unless I start paying a larger amount each month they are going to continue collecting/calling me and report me as a non pay. This bait and switch tactic is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am a co-signer on my daughter 's student loans. The private loans, totaling about {$18000.00}, are still with Navient. She refinanced the federal ones to lower her payment, but her private ones are still with Navient. She has trouble paying. I 've helped when I can, but I can afford them either. When she gets behind, they start calling, up to a dozen times a day. At one point, I wrote them a letter and asked them to stop harassing us but it 's started back up. I have also received letters from them and toward the end of the letter, it says, " If you 're having trouble making your monthly payments, please call us so we can assist you at XXXX to help you XXXX XXXX., and XXXX XXXX., ET. Sincerely ... '' She has written emails and tried to contact by phone, so have I. They are very hard to get through to. When she finally actually gets through to someone, they say they ca n't help. And the balance never goes down. She graduated in XX/XX/2008 so has been making payments for over eight years. 
The worst part is that she got a horrible education at XXXX, they lied to us about a lot of things, and she 's still stuck with this loan and her degree means nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I sent Bank of America a letter of intent to recast my mortgage, a certified check to be applied against my principal and a seperate check to cover the recast fee. Both checks were received and deposited at the end of XXXX, over a month ago. I contacted BOA in early XXXX to request a status report. Was told they lost my letter of intent, faxed another letter of intent. Called a week later and was told that the back office team had not assigned the request for recast. Was told that a specific request to assign the recast would be made that day, XXXX XXXX. Was told that it would take two weeks to complete the recast. Called back a week later and was told that the recast was assigned on XXXX XXXX and that they had two weeks to complete the process. Confirmed with Customer Service that " back office team '' had everyrthing they needed. Called XXXX XXXX and was told that no information was available from " back office team '' and could not confirm the status of the recast. Was told an " urgent request '' was being sent to get the status of the case and to call back the next day. Called today, XXXX XXXX, was told no information was received from " the back office team ''. Customer service rep agreed to contact her Manager to have her intervene with " back office team ''. Customer service rep created a direct request folder and gave me the number to consolidate all efforts to get any response from the " back office team ''. Agreed to call back this afternoon.

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 2017-01-19 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: FL

Complaint narrative:
Unfortunately, I did not know that what they were doing was wrong until I saw the lawsuit. I thought they were following a protocol that I had to follow. When it came time to pay my Navient federal loans after graduation, I could n't pay the full amount on my loans. I tried to talk to Navient about options, and they told me I had to go into forbearance. When I asked if I could go to an Income Based Repayment plan, I was told I could n't go to it until the forbearance time was exhausted. So in that time, I had to wait to be in IBR plan and was accruing interest. XXXX XXXX did a similar situation with my private student loans, except they made me pay {$150.00} to defer them, while still accruing interest ( which is also ridiculous since if I had {$150.00} at the time, I would have been paying the loan ). Hence, I thought this was just the norm, that I had to follow their protocol of forbearance before I could even go to an IBR plan. I hope they fix their practices. People need to realize that students are fine with paying back the loans they took out, but they would like to do so under fair circumstances. Hurting us all when we are down only compounds the issues and will simply cause a stagnant economy for all citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.

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 2016-11-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been trying for a modification for the last 2 years. I was denied for not enough income so i got another job. Now I was denied a loan modification because they claim they could not verify that i live in my house ... i gave them utility bills, drivers liscense and pay check stubs ... i did an appeal and my appeal was denied. Now they have put my house up for auction on XX/XX/2016. I do not know what else to do ... PLEASE HELP ME KEEP MY HOME!!!!!

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 2017-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I ca n't pay my loan. I am unemployed. Navigate just wants me to pay for forbearance everytime instead or lowering my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I asked yesterday for Bank of America ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Bank of America requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.

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 2016-03-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a cosigner of my granddaughters student loan back in 2003 through XXXX XXXX. When payments were not made they sent me a letter and I made sure the accounts became current. XXXX XXXX split off or sold to Navient. I was not notified and had not heard anything for a long time. This past Monday I was paying a bill online and notice my FICO score went from XXXX to XXXX. I immediately printed my credit report and found to my surprise Navient reporting late payments. I called Navient customer service in XXXX and they looked and said they email notices. Number one they did not have my email on file so she changed it. I followed the instructions of disputing the drop in score and sent part of my credit report and a letter about them not notifying me about anything. I had intentions of giving them an opportunity before making a complaint but in my email of Monday when they added it they also sent another email and in the account they showed where they had sent emails. They did not have my email address until Monday so it seems they are trying to get out of admitting the problem. What I want is my credit as it was. I noticed online that Navient has many complaints against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I called Navient on XXXX XXXX, 2015 around XXXX in order to discuss a possible payment plan for my private loans. A woman whose name was XXXX ( Employee # : XXXX ) agreed to assist me. During my call, I endured some of the worst customer service ever. XXXX was extremely rude to me, and she said if I was unhappy with her customer service skills, then " what I can do ... is pay these x amount of dollars so that I would n't even have to speak to her. '' Her tone was incredibly unprofessional, and while we were on the phone, I could hear her coworkers laughing in the background after every response. I know calls are typically monitored and recorded for quality assurance, but with her very nasty attitude, I fear she may have turned off the recorder before all of her rude comments/remarks ensued. When I addressed her unprofessionalism, she snidely asks " have you even worked in customer service? '' and I say " No, I have n't ; however, I have dealt with several customer service representatives, and I can assure you I was treated a lot better than you are treating me right now. '' Her response was that " if I did n't like the way I was speaking to her, then I could just give her a XXXX score in her customer service survey '' and that next time I call someone who is trying to " help me, '' then I need to make sure that I am " in a better mood. '' She spoke over me for much of the phone call and ultimately hung up on me after she spoke her peace. Never in my life have I been treated this way on a professional phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed a complaint years ago an the account was supposed to be marked not to create an escrow account without my permission. ( case XXXX ) I called in to try and resolve and the rep refused to transfer me to a manager or the office of the president after I provided all the information requested. I did not and WILL not be ok with bank or america creating an escrow account. I pay my taxes directly. I pay my insurance directly. The only taxes due are the current year taxes and the year is not out.

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 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Merged Infile Credit Report has continued since XXXX 2010 to show that the Bank of America reports late payments of 30 days on a loan that was paid to them in full in XXXX 2010 and has has not existed since. There is no late payment, and the loan was paid in full. As a result of this, in spite of excellent credit, we have been unable to finance our home at the prevailing low interest rates.

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