vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
I 'm dealing with Navient and it has been a hassle understanding the balance being reported on my credit report and interest being applied. I Recently saw a {$3000.00} spike on XXXX loan in a 30 day period. There are XXXX other accounts being reported and I need to know what schools they came from because the same activity is happening on those loans. Navient has not been of any help even though they call me daily about a payment that I do n't owe. I was forced into an IBRP because I did n't know my rights and did not want my credit effected anymore. After all, it 's the government. But if I 'm forced to pay something I would like to know the source, where the balance is coming from, and the interest rate applied to calculate the amount of accrued interest. If Navient is unlawfully misapplying payments and can not verify the above, the only resolution would be to delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Sallie Mae/XXXX continues to call me when I've told them they have the wrong person. They say thank you for letting us know but they call again. This has been ongoing for years.

They are calling everyone with the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried to get a loan modification from B of A. 
They said they would not modify or refinance. 
I tried XXXX mortgage companies for a new loanbut they all said that due to dodd frank I couldnot qualify because I did not have enough incomein XX/XX/XXXX and XX/XX/XXXX. I contacted consumer financialprotection agency and they were no help. 
my house is worth {$1.00} XXXX and I only owe {$380000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: ND

Complaint narrative:
I cosigned a loan for my cousin. The loan amount was approved for {$5000.00}. After he left school some how the loan was approved to {$7000.00} of which he didnt receive. The money was sent to the school according to XXXX XXXX who sold the account to navient. They say i have to contact the school, which has since closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 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: NJ

Complaint narrative:
I used to have a free checking account at Bank of America. I wo n't pretend I 'm a perfect customer. There have been times when it 's been my fault that the account was over drafted and fees were charged. However, now that I 've been more careful about my spending, I still get charged fees. I have auto transfers set up to move {$550.00} out of one account and put it in another from which I pay my rent. It 's supposed to happen 2x a month on Friday, the day after I get paid. On more than one occasion, BofA began processing that transfer on Tuesday or Wednesday and charged me fees because the balance in the account was below {$550.00}. I intentionally set the transfer to happen AFTER pay day so I would n't encounter that problem.

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 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In the course of applying for a mortgage, the lender, Bank of America, has made what we deem egregiously petty and nuisance requests for documentation to satisfy their lending requirements and their final mortgage approval. 

For example, with a documented annual income in annual excess of $ XXXX and declared liquid assets in excess of $ XXXX, plus a pending $ XXXX net cash proceeds for a sale under contract for our current home, they want a written, signed and dated explanation for a {$250.00} check to XXXX, rental for furniture for a garden party we hosted. 

We ca n't begin to see the logic or relevance of this request to our mortgage application and approval and think it is a purely time and energy wasteful and unfair request. We have other examples that are just as egregious.

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 2016-11-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is not.

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 2015-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Bank of America is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from BOA manipulating overdraft fees. I 'm tired of this!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To whom it may kindly concern : I have a credit card account through Bank of America. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a " Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Bank of America 's website was down for " scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company.

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: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Payment Where Being Made But The Correct Amount Deductions Were Not Coming Off Of The Student Loan Balance HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: MI

Complaint narrative:
Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 

Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. 

From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to {$4.00} XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I have had a pending issue with First Hawaiian Bank, regarding a scam that took place. In the previous complaint i filed it goes into more detail. I was given a fraudulent check in which i deposited {$2600.00} into the bank. The next day, even though the check had n't been cleared, i was allowed to withdraw half of the money. First Hawaiian Banks policies state that until the check has cleared, only {$200.00} would become available to me next day. Yet, I was able to withdraw more than stated amount. This is an excerpt from First Hawaiian Banks website on their policies for depositing checks. 

Q : What does it mean if I receive a hold on my account after I have made a deposit? 
A hold means that although we 've received your check for deposit, you wo n't be able to use the funds until the hold period has expired. Depending on the type of check that you deposit, funds may not be available until the third business day after the day of your deposit. However, the first {$200.00} of your check deposits will be available on the first business day after the date of your deposit. If the deposited item is returned unpaid before the hold expires, those funds will not be made available to you. If the deposited item is returned after the hold expired, we charge your account for the amount of the item. Holds are placed to help protect both you and us from losses that could occur when a deposited item is returned unpaid. Situations that typically cause a check to be held include : -There is reason to believe the funds may be uncollectible-The source of the check ( e.g., foreign checks ) -The account is a new account ( new account rules apply for the first 30 days the account is open ) -The account has repeated overdrafts in the last 6 months-You deposit checks totaling more than {$5000.00} on any one day-Fraud is suspected-The check was previously deposited, then returned unpaid-The check was not properly endorsedAs a XXXX year old, making her way through the tough economy that is XXXX, I never had much money in my bank account, and if First Hawaiian Bank checks their records they 'll find that previous to this transaction my account had been over drafted several times before. At the time I deposited that fraudulent check, i only had about {$3.00}. I will not pay for the negligence of First Hawaiian Bank, I should have been protected under these policies that are stated so clearly on their website for everyone to see. A hold should have been put on my account. Never had I deposited a check that big before into my account, that should have been a red flag in itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Real Time Group, Inc.
State: UT

Complaint narrative:
IN XXXX I HAD TO REFINANCE BY PRIMARY RESIDENCE IN ORDER TO GET MEDICAL CARE IN UTAH! THE TERMS I AGREEDED TO PAY EXTRA FOR WERE AGREED TO BY XXXX AND MY APPLICATION WAS APPROVED BUT HAD TO BE RE-DONE PER THE BANK TERMS! I AGAIN WAS HANDED A BUNDLE OF PAPERS THAT WERE CLIPPED AND RUBBERBANDED WITH " SIGN HERE ARROWS '' AS THE AGENT FLIPPED THRU THE DOCUMENTS HAVING BE SIGN OR INITAL ; I NEVER WAS GIVEN THE OPPORTUNITY TO READ MUCH OF ANYTHING! WHEN I ASKED ABOUT THIS PROCEDURE I WAS INFORMED I WOULD GET A COPY OF ALL DOCUMENTS ARE REQUIRED WHEN THEY WERE PREPARED, PER STATE AND FEDERAL LAWS ( WHICH I HAD GONE THRU SEVEAL TIMES SINCE WE BUILT THIS PROPERTY AND OTHER PURCHASES OF THE PAST ) ; BUT I NEVER RECEIVED ANY COPIES, ALL I GOT WAS A MORTGAGE STATEMENT IN MID XXXX FROM XXXX, WHOM I NEVER HEARD OF TO THAT DATE!?! I CALLED MY AGENT AND HE SAID TO CONTACT XXXX AND LET HIM KNOW WHAT I WAS TOLD ; WHICH WAS XXXX AGREED TO FIX XXXX LOANS BUT NEEDED TO SPEAK WITH MY AGENT SO GOT BACK TO MY AGENT AND GAVE HIM THE NUMBER TO CALL AT XXXX! IT WAS CONTFIRMED AND CW AGAIN ASKED ME TO CONTACT THEM, AT WHICH TIME THEY CONFIRMED THEY WOULD FIX THE LOANS BUT TO GO AHEAD AND MAKE THE PAYMENTS IN GOOD FAITH AS THE PAYMENTS WOULD CHANGE MUCH AND I WOULD GET ANY CREDITS DUE ME! BY XXXX XXXX THE LOANS WERE NOT FIXED AND WE COULD N'T GET CW TO RETURN ANY CONTACT EFFORTS, SO MY AGENT TURNED THE MATTER OVER TO ATTORNEY XXXX XXXX, WHOM INSTRUCTED ME TO STOP MAKING THE PAYMENTS AND SEND HIM {$3000.00} FOR A RETAINER, WHICH I DID!?! THEN XXXX XXXX XXXX TOOK OVER THIS MESS AND OTHER THAN PLACING MY LOANS INTO THEIR " PROBLEM LOANS DEPARTMENT '', AND DUMMING THE XXXX MORTGAGE WITH REAL TIME RESOLUTIONS, INC., DID NOTHING WITH THE LOANS, I CALLED THEM MONTHLY AND JUST GOT THE RUN AROUND! XXXX THEN TURNED THE XXXX MORTGAGE OVER TO SPS ( SELECT XXXX SERVICING, XXXX XXXX WHOM, AFTER MY ATTORNEY XXXX XXXX BAILED OUT AFTER DOING OR ACCOMPLISHING NOTHING FOR ME, I LOCATED XXXX XXXX XXXX XXXX AND HE WORKED OUT A MODIFICATION WITH SPS BUT THE MODIFICATION WITH REAL TIME RESOLUTIONS , INC . TURNED OUT TO BE A SAND-BAGGING WITH A {$30000.00} " BALLOON PAYMENT '' ISSUE I CHALLENGED, AND ASKED FOR ACCOUNTING FOR WHAT IT WAS FOR!?! THEY ALSO TERMINATED THE MODIFICATION BECAUSE I DID N'T TAKE IT BY THEIR DEADLINE, SO NOW WE ARE BACK WITH MY " DISPUTE '' BUT THEY ARE JUST GIVING ME THE ROUND AROUND!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have used Navient formerly XXXX XXXX to service all of my private loans. I was forced to take a forbearance because my loans had become delinquent as I was not financially stable to make the payments. This led to years of nonstop phone calls and hardship on my credit, which filtered out into other aspects of my life, ie : high interest rates on car payments, not getting approved for credit cards, etc. I have diligently pushed myself as a single mother of XXXX to rebuild my credit so I can provide a brighter future for myself and my children. I have worked feverishly to make all my payments on time for the past 3 years, however I have only been able to pay towards the interest of these loans. It has only been since XX/XX/2016 that a small fraction of my hard earned money has begun to be put towards the principal of the loans. It is a constant worry and stress on myself and my family thinking of how long it is going to take to repay this debt. Forcing someone to choose between being able to feed their family or make their student loan payment is cruel but sometimes a harsh reality. A little consideration and help can truly go a long way for someone who is struggling and does n't always have the means to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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:
bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank

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 2017-02-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GreenSky, LLC
State: GA

Complaint narrative:
our heater went out and I had been in and out of the hospital, we needed a new heater and was rushed into using greensky. I am an XXXX year old, XXXX XXXX, XXXX vet. the payment started out at XXXX dollars a month, then they doubled the amount. They knew I can only make one payment a month, but they want XXXX the new heater still is not working as a result my daughter has become very ill, at XXXX in the morning they wake her up with calls. they are rude and demanding. I am paying them, every month. but they insist on more. I did not have time to check before hand, but after I found numerous complaints about them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
In XX/XX/XXXX I received a letter from the law firm/collection agency representing XXXX XXXX XXXX regarding my outstanding credit card debt. This letter stated that XXXX XXXX XXXX had agreed to a settlement amount of {$4700.00} that would settle my account if paid by XXXX XXXX, 2016. I called them on XXXX XXXX and made a full payment via a check over the phone of the {$4700.00} and was told that once the funds cleared the bank, my account would be paid in full and closed. The check cleared and the amount of {$4700.00} was issued to Glasser & Glasser on XXXX XXXX. A few days later I received a court issued warrant for a court date in XXXX about the debt. The same day I received a letter of receipt dated XXXX XXXX, 2016 for the settlement of {$4700.00}. A few days later I received another letter of confirmation dated XXXX XXXX that my account would be considered settle in full upon clearance of the funds - which they already had been clear as of XXXX XXXX. After receiving the warrant, I called Glasser and Glasser. At the beginning of the call I am told that I have a balance of {$9500.00}. I tell him, that I paid the settlement on XXXX XXXX and he then says " Yes..I see that is noted ... '' I tell him about getting the warrant and he apologized for the confusion and tells me that the case has been dismissed and later assures me that I will not be receiving anymore conflicting mail and my account is, in fact, settled in full. I called the XXXX Court a few days later to confirm that my case had been dismissed, but it had not yet been dismissed and I still had a standing court date of XXXX XXXX. I asked to be called once the case was dismissed. I have not yet been called as of today, XXXX XXXX. A week later, I receive a letter along with a self-addressed envelope from Glasser & Glasser dated XXXX XXXX, 2016 asking for payment because they had not received it. As of now, I do not know if my account truly as been settled and dismissed. I feel harassed and panicked that I will be charged for more money or worse be jailed if this matter is n't taken care of once and for all. I paid the agreed upon settlement of my debt, I should no longer have to worry about this matter, but Glasser & Glasser continue to harass me with contradicting information and have not done what they say they have done regarding dismissing the court hearing. I called Glasser & Glasser yesterday, XXXX XXXX, but had to leave a message. I have not been called back. I am in fear that this will never go away. I have been out of work for over 2 years, but have been going to school. I have strong prospects for a new job that will be starting soon. I am worried that Glasser & Glasser will continue to come after me and try to garnish my wages for this debt that has already been paid.

Company response to consumer: Closed with explanation