vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I have a checking, saving and a credit card from Chase bank on XXXX XXXX XXXX in the morning Chase alerted me to a fraud attack on my check card XXXX charges. I called in XXXX that morning I find XXXX more, XXXX from the some company the other from another company on XXXX done XXXX in the morning. Chase took care of the charges, closed the account and ordered new cards great. Then I start seeing charges from the closed account on my new account so I called I was told that setup payments would still be made out of closed account on my new account. I mad and scared at the time, I told Chase this could happen he told no it could not boy was he wrong on a recorded line too, the people that have my card can setup payments if they like under different company names which my have happened on XXXX for {$49.00} XXXX cleverbridge. My husband or myself did not order it so I have to now have my new account closed again and reopened yet again. Another person that would stop in a couple of days two weeks it is still happening.. I have XXXX more charges from my old account on my new account. Now on what they have done to with our checking. We had a scam/fraud company playing with my husband 's federal student loans that they did not do anything with. We payed them XXXX payments of {$230.00} each XXXX in XXXX, XXXX in XXXX. We were told by the student loan people to be charge backs the bank stated they could not help us it was not 90 days old. If they treat us this way how many others have they treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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: SC

Complaint narrative:
Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. 
This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes XXXX or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them and not getting simple problems resolved. 
They 've already made XXXX mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. 
I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved.

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: PA

Complaint narrative:
I have private student loan with navient I am currently paying based on my income however it is very expensive and I ca n't afford the payments .i am set up for automatic payments each month based on my payday and they are charging me a late fees each month also the amount that I am paying is only being applied to XXXX loan and not all of my loans. I have co signers and I am feeling I am drowning in this debt I have to reapply again XX/XX/XXXX for this income based program and it wil most like go up which I can not afford. I am currently paying XXXX per month, this is up by XXXX more than I paid last year and my balance does not seem to be going anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a homeowner, and also in Pro Per against XXXX XXXX XXXX, servicer, and Bank of America, beneficiary. I have a straight forward case : approved and a written Trial Plan Agreement was memorialized. When it was memorialized it was sent to their Quality Control Department which sent the documents back to the Loan Mitigation representative to change the payment dates and then mail the documents to me, the homeowner ; he happened to quit that day and the Bank never followed up on the file. I, the owner, followed up by making over 41 calls ; the bank representatives that I talked to on the phone continuously told me my loan was in the Quality Control for review. When I called XX/XX/XXXX ; someone found my file in " XXXX '' XXXX XXXX Report ; at that time the Bank proceeded to foreclose on my home XX/XX/XXXX. ( The Bank eventually rescinded the title ( XX/XX/XXXX ) back into my name, but never modified the loan. I have continuously lived on my property since XX/XX/XXXX. {$50000.00} later I find myself in Pro Per, because I can not afford anymore legal fees, I represented myself during the three day trial, in which I am not an attorney and did not know the court procedures and was at a grave disadvantage. The Court and the Banks would not allow the case to continue, because there is a " Five Year Rule '' which I did not know about until I asked for the continuance. 
During discovery I discovered my application was fraudulent as well. There are so many issues regarding my entire case that there needs to be a higher power to look into my case and help me. I filed my complaint with the Independent Foreclosure Audit team and received {$6000.00} ; so there must be some validity to my case. Presently I filed my Objection to the Statement of Decision and Proposed Judgement ; I do not want to lose an opportunity to plead to someone who understands the issues. In the meantime, during Litigation, my loan is sold to XXXX XXXX that does not have a reputation of helping homeowners to obtain a loan modification ; their reputation is in selling the homeowner 's home. 
I want to stay in my home ; I have paid my mortgage payment on time for 22 years, and the year I have a hardship and approved for a loan modification-the Bank failed in their Fiduciary responsibilities. 
Can you help me in some 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 2016-05-17 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: KS

Complaint narrative:
I had a bank account with Bank of America and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me 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 2015-04-06 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had a Bank of America credit card for about 10 years. The account is now closed and the balance is XXXX. The credit reporting agencies are reporting different information about the account. XXXX reports a 30-day late payment in XXXX 2011 but on time payment in XXXX. XXXX reports a 30-day late payment in XXXX 2011, but an on-time payment in XXXX 2011. I have written to BOA XXXX times to try and resolve this, have submitted inquiries to XXXX and XXXX. No results. Somebody has it wrong -- I want BOA to stop reporting the account altogether since they ca n't get their records straight.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My debit card from Bank of America was stolen on XXXX/XXXX/2015 ( going by the account activity ). The person who stole it knew my pin number and also gained access to my online account and changed my password. I have absolutely no idea how these people obtained all my information. They deposited a check for {$3300.00} on XXXX/XXXX/15. Even though the signature in the back of the check did n't remotely resemble mine and I do n't believe they could have provided a valid ID, the funds were made readily available without a hold. These funds were used to make several purchases. When the check came back for insufficient funds and was debited from my account on XXXX/XXXX/15, the account balance went down to - {$1000.00}. The bank continued to approve purchases and debits for XXXX additional days until I finally realized my debit card was missing and I called them to notify them. By then, my account balance was - {$3500.00}. They said they would open an investigation that would take up to XXXX days and the very next day I received a letter saying they had completed the investigation and found there was " no error in the instance '' and I was now liable for all that money. So their investigation took one day during which no one contacted me to ask me anything. I filed a police report on XXXX/XXXX/15 because someone from the bank asked me if I had filed a police report. I filed it late because this had never happened to me before so I did n't know what I had to do. The bank alleges they called me on XXXX/XXXX/15 to verify the charges and I said they were ok. I do n't remember ever getting that call. When I asked them for a copy of that conversation they said they could n't give it to me because only the police had the right to ask for it. I have left a few messages for the police investigator that was assigned to my case that have gone unanswered. In the meantime I ca n't open an account anywhere else, I ca n't deposit my work checks anywhere and my credit has been compromised. I think the bank should n't have accepted the initial deposit of over {$3000.00} without proper identification and without verifying my signature. They should have at the very least put a hold on the check until it cleared. They also should have detected the unusual activity in my account and taken the proper steps to alert me of the situation. I need help please! Who should I contact? Who regulates the banks? 
I want to clarify that the only reason the bank reopened the investigation XXXX was because I called them to tell them they were wrong and they needed to investigate further because I did not make any of those charges. As far as they were concerned their so called investigation was resolved in XXXX day. Never, during any of their XXXX investigations I was ever contacted by anyone to ask me anything at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: GA

Complaint narrative:
At the time I borrowed the money the company was XXXX XXXX. I was told over the phone that when I borrowed the money it would not accrue any interest until after I graduated college. Just as long as I did n't be out of class for no more than 6 months. At the young and vunlerable age of XXXX, I did n't know any better. After graduating in XXXX of XXXX ( in school from XXXX XXXX XXXX ) I was unemployed and unable to find work, so I joined the XXXX at XXXX in XXXX of XXXX. Right about the time my previous loans were coming due. I was told I could put them in forbearance for a period of time without getting into trouble for a certain amount of time ( I ca n't remember how long they said ). At this time, I took out an additional student loan to put myself through the XXXX because frankly I did n't have any money. Fastforwarding to graduation of the XXXX in XXXX of XXXX, I was again told I had 6 months until my loan payments were due. In XXXX or XXXX of XXXX, when I finally looked into repayment of my loans, they had been accruing interest of ungodly amounts. My {$13000.00} or so of principle balance had grown to over {$30000.00}. This was devastating news to me. At times, I asked for lowering my payment and they said they could, but by this time I had learned my lesson of not to trust them. After investing, all I would be paying was straight 100 % interest. My principle would not be reduced at all. So I kept toughing it out. In the past 3 1/2 years I have paid almost {$15000.00} and I still owe {$22000.00}. As a matter of fact, I paid {$3500.00} on XXXX loan of 13.675 % today. Please help me and many like me. 

Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a Bankruptcy in 2010 my Bk was discharged I included the Mortgage and the charge off of the mortgage in my bankruptcy. The bank is Bank of America in 5 years thye have not released the lien nor have they taken my name off the property I am being held liable for all the expenses that are incurring on the property. Iahve called them several times they say they reconcongize the mortgage and the chargeoff and it was included in my bankruptsy they are saying I tried to do a loan MOD which is not correct they will not show me any paperwork or anything I have been dealing with this for 5 years now it is causing me financial hardship and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have tried to work with Bank of America my Servicer since XX/XX/XXXX. I have not been able to complete a loan modification due to XXXX Customer Relationship Managers and XXXX folks from the Office of the CEO for Bank of America. During a Loan Modification XX/XX/XXXX they removed my Customer Relationship Manager and sent my loan to Foreclosure. I sent in all the documents that were required. They lost my XXXX to reinstate my loan and took my 10 days to get them to find my money to reinstate my loan. I applied for a modification and Bank of America never returned my calls or worked with me. I have been in contact with someone from Bank of America 's Executive Department and he wo n't call me back since XXXX CST on XX/XX/XXXX. Today I have received a letter that I no longer have a dedicated Customer Relationship Manager and I have left multiple messages an NO ONE returns my phone call as I 'm trying to resolve this matter. The allonge to my note finally presented to me says I was sent into a securitization. I have asked my Investor, XXXX XXXX XXXX XXXX to provide me with a copy of the PSA and no response. The allonge to my note was endorsed by Countrywide Home by XXXX XXXX ... .with initials only and after contacting the Secretrary of State of California that is not her notorized signature transferring real estate only my note was initialled. I have offered to make arrangements to settle with Bank of America and the note holder for the Securitization with no response.

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 2016-03-02 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: MN

Complaint narrative:
Navient is a predatory lender. 

My student loan I took out on XXXX/XXXX/XXXX Loan number ending in XXXX also attached at 3.75 % interest that was until XXXX XXXX XXXX set at 3.75 % has now been raised to 4 % interest rate! This is completely absurd to raise my interest rate. Also I am on an auto pay program and still they have raised my loan rate. 

Secondly I was charged a ridiculous repayment fee for my loans. A fee to start paying back my loans on top of the consolidation of all the interest. Navient over the years has harnessed me with bill collector phone calls and pushed me around to other customer service representatives time and time again and has never resolved my issues with the repayment fees. This lender is charging absurd amount of extra money on top of already getting XXXX of dollars from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 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: NY

Complaint narrative:
I have roughly XXXX of private student loans on top of about XXXX federal loans. I have a great paying job and am making right around what the average college XXXX makes. I have been trying to get my private loans consolidated for about 8 months now. I have been unsuccessful in doing so. Even though I have a good credit score and my cosigner has a great credit score & gt ; XXXX, a I was told I needed an additional co-signor and when I did apply with XXXX co-signors, they denied my consolidation. I recently went to buy my leased car and the car dealership informed me that my student loan debt accounts for 112 % of my monthly income. Luckily I have had a great deal of over time the past 4 months and have been able to keep up with payments, however now overtime is dwindling and my savings is starting to vanish as well. XXXX eventually I wo n't be able to make payments within the next 4-6 month period. I have found my private loan supplier to be uncooperative, unsympathetic, and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: WV

Complaint narrative:
Effective XXXX/XXXX/2015 a XXXX CBE Group has been calling my XXXX work telephone nonstop around the clock. I did a little checking on the internet and it appears as though this is some type of SCAM to get someone to pay someone else 's bill. I have cable and do not have XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received of Debit card from BofA and within 2 months the chip stopped working. I am very cogniscient of the need to protect a card with regard to magnitization however when I reported this to BofA the only response was that I had to pay a {$5.00} fee to replace the card. I have gone several months without using the chip feature however it has gotten to be such an annoyance that I have finally given up and ordered a replacement and paid the {$5.00} FINE

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 2015-06-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I had a Bank of America account in 2009 and some one got a hold of my checks and over drafted my account by over {$1700.00}. Bank of America refused to do anything about it and I refused to pay it so it went into collections. XXXX acquisitions had it first so I hired XXXX to have it removed and XXXX in turn did remove it off of my credit report but turned around and sold it to XXXX XXXX XXXX. So we disputed it again and it came off my report again, however it now got sold to XXXX. We are disputing this for a XXXX and hopefully last time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: CA

Complaint narrative:
Small late fees were being added to the principal, once and sometimes twice per month, for over a year. Called Navient, they said they would refund the fees and deduct the amount from the outstanding balance. However, I 'm so busy with life, I ca n't sit there and go through all my XXXX loans to see everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
ON XXXX XXXX 2014 THE DEPARTMET OF JUSTICES ORDER BANK OF AMERICA PAY XXXX BILLONS FOR PRINCIPAL REDUCTION FOR CONTRYWIDE LOANS SIX MOUTH BEFORE TO THE ORDER COME IN TO EFECTIVE BANK OF AMERICA SOLD MY LOAN TO XXXX XXXX MY QUESTION IS DO THIS IS LOAN IS GRANDFATHER IN I NEVER HAVE A PRICIPAL REDUCTION ON MY LOAN EVEN SO I ASK THEN MANY, MANY TIMES

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: IN

Complaint narrative:
When i initially borrowed my student loan i was never notified that it was only a 7 year pay back period therefore making my monthly payment extremely high. After complaining to Navient they said i had no other option except to use forbearance up to 12 months.

Company response to consumer: Closed with explanation