vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: MD

Complaint narrative:
I have repeatedly asked Navient to provide me with printed payment history, as the company has not permitted me to make lump sum payments to principal. I have yet to see my statements. Any large payments I have made have been placed as future dated payments allowing the company to collect additional interest, rather than applying the payments to principal. 

All of the below mentioned have impacted me : Trouble with how payments are handled Do n't agree with fees charged Received bad information about my loan Need information about my balance/terms Keep getting calls about my loan Having problems with customer service I went to two schools and borrowed on both : XXXX and XXXX University

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: CA

Complaint narrative:
I enrolled in a degree program in 1996 and financed it via Federal student loans. My loans were serviced by XXXX XXXX, and after that company failed, with Navient. I have never been counseled nor offered guidance with regard to income driven repayment plans by these firms. No outreach has been conducted by them to me, and I have been forced, as a result, to pay a private company for this straightforward and essential assistance. ( After all, perhaps these loan servicing firms make money through interest rate markups on monthly loan payments, and were all those eligible for {$0.00} or relatively small payments through the forgiveness programs to actually enroll, that would be too expensive to them, irregardless of the contractual obligations they made to the DOE to counsel borrowers. If so, are we not naive to expect these firms will promote programs which defeat their profit interests? If this is not accurate, I cordially request an accurate explanation ... ). In any case, having had XXXX XXXX, and now Navient, servicing my debt makes my case, it seems, a microcosm of the vast, systemic dishonesty and negligence problems these firms are accused ( guilty ) of. To say the least, with Navient under criminal complaint, it seems absurd to have them as my servicing firm. Their credibility is sorely lacking. And if what XXXX XXXX has with finality has been found guilty of a cross the board is also true of my case in particular, this borrower seeks remedy. What remedy is there for me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
My debit card was stolen by my babysitter and she overdrafted my account. I have turned in my police report and would like my monet returned to my account.

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 2016-06-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a Bank of America customers for years. I have personal checking and business checking account with Bank Of America. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Bank of America is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.

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 2015-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was notified via a letter in the mail by home loan was being transferred to another company. I received the notice on XXXX XXXX, 2015 stating XXXX XXXX, 2015, I would be making payments to the new lender. This provided me with only 11 days written notice from my original loan servicer that my loan was being transferred, falling short of 15 days notice. I have not yet received any correspondence from the new loan servicer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On or around XXXX XXXX, 2015 we ( my wife XXXX and I ) contacted Bank of America ( BoA ) regarding refinancing an investment property, the mortgage of which is currently serviced by XXXX. At that time it was suggested by the BoA representative that I refi the mortgage of my primary residence ( held by BoA ) as the home had likely increased enough in value to render PMI unnecessary. We agreed and immediately began sending the requested documents for both properties while BoA ordered appraisals for both properties. One of the items they requested was a copy of my most recent 401K statement which I provided. Then they asked for a copy of the 'terms of withdrawal, ' which I copied from the XXXX website and faxed to them. They said that was only the 'hardship ' terms of withdrawal and that they needed the entire text of the withdrawal terms. I called XXXX and they said that information was not available online and that they would mail me a plan description with that information. Time was running out for my rate-lock. The 401K booklet arrive and I copied the requested text from the booklet and faxed them that information. Then they said, 'we need all of the terms AND withdrawal. ' I told them that if they needed the entire text of the booklet, not just the part about withdrawals, they should have asked for that. If they wanted all the info about the withdrawal terms, they DID have that. Concerned that I was going to be unable to satisfy the never ending document requests I contacted several other lenders to see if they would use the appraisal for which I had just paid {$600.00}. None would, all stating that they would need to order a new appraisal. In frustration I called the appraiser who had done the appraisal for to see what other lenders they provided appraisals for in the hopes that I could find an institution that would use the BoA ordered appraisals. I was informed that they ONLY did appraisals for BoA!!! In anger I told the loan officer to just forget the loan for the primary residence and to try to complete the rental home loan for which the document requests had been satisfied. So now I am out {$600.00} for an appraisal that no one else will use despite providing all of the document request for which I was asked. I am thinking that my present mortgage is an FHA, as the loan was made via the XXXX program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 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: AZ

Complaint narrative:
Years ago in XX/XX/XXXX or so, I was attending XXXX University online. Federal loans did not cover my expenses, so they convinced me to take out a private loan. They later told me I needed a cosigner and I asked my mother to co-sign, which she reluctantly did. The original loan was {$20000.00}. In XX/XX/XXXX, I was diagnosed with serious health issues and could no longer work. I went on XXXX in XX/XX/XXXX. My mother passed away in XX/XX/XXXX. I tried to reach an agreement with XXXX XXXX now Navient with absolutely no luck. Now in XX/XX/XXXX, they are sending threatening letters to my mother and I. I told them that my mother passed away, but that did n't seem to matter. Now they have sent this account to collection agency after collection agency. I think there have been at least XXXX this year. I had my federal loans discharged due to total and permanent XXXX in XX/XX/XXXX. Navient flags this account every month and continues to ruin my credit. They now claim the loan is almost {$79000.00}. This will never be able to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo is allowing fraudulent activities and theft in the amount {$3700.00} in unauthorized checks in which I was not present over the course of XXXX months. I suspected fraud activity related to my account in early XX/XX/2016 and went in to a branch on located at XXXX, XXXX NC. At that time, I put a verbal pass code on my account and specifically indicated is authorized to make withdrawals from the account. XXXX on XX/XX/2016, an unauthorized withdrawal was made in the amount of {$2000.00}. At that time, I was informed that this money would be refunded back to me if I was not physically present to obtain the money. Since that time, there has been XXXX more unauthorized transaction made on XX/XX/2016 * {$1000.00} XXXX and XX/XX/2016 ( {$750.00} XXXX. Today I was informed that my claim for the {$2000.00} was denied because the signatures matched. This is ridiculous and fraudulent as I was not physically present to authorize these withdrawals. The XXXX is allowing this fraudulent activity and failing to verify identification and my verbal password for the account. My business has suffered as a result and my account balances are falling low due to the NSF fees of more than {$200.00} and these transactions. I am requesting that this branch pull the video and refund me my money and NSF fees for allowing these unauthorized transactions to occur this is ridiculous. Please be advised that I will file a suit for damages if these funds are not placed back in my business account. Additionally, I all NSF fees refunded since XX/XX/2016. On XX/XX/2016, Wells Fargo XXXX my account due to NSF fees and I have not been able to use this card since that time ; therefore, it is impossible to have withdrawals for this account without providing identification and my verbal pass code. 
This is my final demand before I proceed with a adversarial approach and file a suit in court.

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 2015-11-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My name is XXXX XXXX and I 'm contacting you for third time, this time with updated information. Wells Fargo/ Dillards card services responded to my complaint. The sent me out a letter which will be attached in this filing. I disagree with them not reopening my account for non-payment when the just got a check from the credit protection for XXXX. When initially before the account was closed they were challenging me saying that they did no offer credit protection on their cards but come to find out they did. The last physically payment I made from my personal funds on this account was in XXXX, because I was informed from the credit protection who Wells Fargo/Dillard 's told me did not exist but in fact it did and they sent the payment just two months after a long battle and dispute with them as well. My account would have been paid on time if Wells Fargo/ Dillard 's would have did there job from when I first brought this issue of who should have been paying the account. They did n't know that my credit card was protect and that negligence on them as a financial business. Also I informed them in late XXXX that there were fraudulent charges made on this account and that was the cause of the account being over the limit and again my complaints/ concerns went unattended and handle properly. I 'm now ready to pursue legal charges against them because this has affected my credit in a negative way. 

I honestly feel that because I had previous personal checking account that was closed by wells fargo that this is why they are refusing to reopen my account. They have a payment that brings the account to paid in full, and the over limit is because of fraudulent transaction that occurred on the account that I was n't able to dispute because of the status of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I believe I am a victim of predatory lending because of my race ( XXXX ) and my geographical location. I was given a high interest and excessive points when I was approved for my home loan. American Servicing Company is my service provider for wells fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I recently sold a product on-line ( I-Phone ) and the person who bought my product sent me a check for {$2000.00} to cover the amount plus sent the rest off to his family in Georgia as he was in the service. Nice person I am I agreed and deposited the check into my account on XXXX XXXX, {$400.00} was due to me right away and the {$1600.00} remaining the next day. I went ahead and got the {$400.00} and waited til next day to collect the {$1600.00}. The next day was a Saturday and I asked the teller if the check was ok, meaning was it a valid check/ any fraud? he said its ok you can take the money so I did and XXXX XXXX the cash to Georgia and thought I did a great thing considering my grandpa just passed days ago but I wanted to finish the agreement of the cash so i did.I should of went with my gut telling me these people were scamming me?! I had instructions after I got the money out as where to send the rest of the money ( yes I am that nice! ) I received a letter in the mail weeks later saying the bank took the {$2000.00} from my acct as they could not verify that check was valid.I called Customer service and they said I should have waited til a business day which was a Monday to make sure it was not fraud, Well the teller should of told me that before I took the CASH!!! now I am out my emergency savings!! I think the bank should give me some of my cash back and tell a customer these issues before taking that much cash out! I filed a report to the local Police as well and nothing so far.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Our home loan was originated with Wells Fargo on XX/XX/XXXX with PMI. In XX/XX/XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XX/XX/XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. This requirement was never disclosed in writing nor communicated to us during the process. Furthermore, had this been disclosed, we would not have proceeded with the 2nd appraisal. We are very frustrated with WF and feel utterly helpless. We believe they are dishonest, breach of contract, failure to disclose, and poor customer service.

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 2015-03-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo canceled my credit card and raised my interest rate despite that I paid my account on time and paid more than the minimum amount each month. Their reasoning for this is that my debt to limit ratio is too high. However, my original limit was {$25000.00} and as I paid down the debt they lowered the limit so that I was perpetually maxed out. They manipulated my credit and the events to create the situation so that my debt to limit ratio is always high. Had they left my credit limit at the original amount my debt to limit ratio would be below 50 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My parents sent me money from the XXXX on XX/XX/XXXX. I was waiting for money for 8 business days. I was calling Wells Fargo almost each business day to find out where are my money? The only answer I got was to ask the XXXX what is happening, because they do n't see the transfer, and they did n't want to do anything else. Unforunately, the XXXX was more helpful and gave me more details about the fact that money are on the US territory, and they were recieved ( so they ca n't return it ). They also got a request from XXXX XXXX XXXX XXXX XXXX XXXX AFTER a week ( so they had my money for a whole week and were keeping it without any explanation of their illegal actions ), that they are holding my money for an unacceptable reason, which moreover offended me, and my parents, because the reason was highly politincorrect ( why do they even work with my transfer, why it 's not Wells Fargo ). So this XXXX bank sent a request to my XXXX, asking if there is any connection between the name of the street in XXXX city written in the information of the wire transfer and ( please attention ) affiliation to XXXX. Can you imagine, they are suspecting the name of the street to be connected to XXXX affiliation. Name of the street ... ... I was amazed by unprofessionalism of this bank. They made up a story to hold and also use my money without my consent. They are unauthorized to do such actions. They also could n't even use XXXX search to find out that their reason is really stupid and ca n't be used as reason to hold my money. 
So, it is already two weeks, and I still did n't get my money. When I called to XXXX they told me that they do not work with individuals, and need to receive a request from the US bank. So, I called to Wells Fargo to ask them to send a request to finish the transfer, and finally return my money, but Wells Fargo told me that they do n't know what to write and what to do, because it 's not their business. They also told me that they are not responsible for actions of the XXXX XXXX XXXX XXXX XXXX, but then why does this bank is responsible for the transfer TO Wells Fargo. As a result, I have no access to my money, and no US bank want to help me to return my money. I want to repeat, that the XXXX XXXX XXXX XXXX XXXX is completely unauthorized to hold my money, and they do not have any proof of their actions. And the Wells Fargo do not even want to help to return my money, because they told that do n't know what to do, however Wells Fargo receives transfers from XXXX, and MUST have communication with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Please consider this correspondence to be formal notice that your company has failed to comply with the Loss Mitigation Procedures set forth in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX by failing to postpone the scheduled foreclosure sale to complete our mutual client 's loss mitigation review. Our mutual client submitted a loan modification application and your company failed to submit a missing document request within five ( 5 ) business days in accordance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Pursuant to XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX the application was therefore " facially complete '' and was entitled to be treated as a complete application throughout the course of the loss mitigation review. Postponement of the foreclosure sale is therefore required pursuant to XXXX XXXX XXXX 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 2016-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo foreclose on my home on XXXX XXXX, 2016 without any notification, notice and/or warning. I was not allowed to try to save the home, nor was I notified by regular mail or certified mail. I have been trying to contact the lender and although I have been able to speak to someone, they are being unreasonable. 
I am desperate for someone to assist me with this problem. My lender never assisted with any foreclosure postponement, nor did they do what the government says that a lender should do to provide foreclosure alternatives to me and my family. What they did do was bully me and pressure me to move out of the 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