vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Threatened by Bank of America ( BofA ) with foreclosure proceeding regarding a HELOC account in which I was behind on my payments. i was sent a letter from BofA on XXXX/XXXX/16 listing 5 options available to me from BofA to prevent a foreclosure sale of my property which I have owned for 30 years. Option 1 was a " Full Payoff '' which I decided to do. I asked for a payoff statement and received it on XXXX/XXXX/16 which was good thru XXXX/XXXX/16. On that statement was an additional amount of {$4000.00} added by the bank as " uncollected fees ''. In talking to someone at BofA they stated that was for a loan modification. I had called the bank on XXXX/XXXX/16 telling them I would be sending a full payment and did not want to do a " Loan Modification ''. I was told not to worry as the {$4000.00} fee would be deducted if a " Full Payoff made. I sold my house of 30 years to an investor who paid Bank of America on XXXX/XXXX/16 the full amount owed including the Loan Modification fee. I have been trying to call BofA for the past 5 days to discuss this issue, but I am unable to get thru to a live person. All I get is a recorded messages which send you in an endless circle of transferred calls. Any help you can provide would be greatly appreciated.

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 2016-07-28 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: CA

Complaint narrative:
I applied for XXXX loan forgiveness for the remainder of my federal loans, after working in a XXXX for XXXX full-time consecutive years. My application was denied because part of my loans, which were consolidated in XXXX, was from prior to XXXX XXXX, XXXX. Most of my loans are from after XXXX through XXXX. I do not think it is fair that I have met the qualifications, and I 'm being " punished '' by a denial, because part of my overall loan is from before XXXX XXXX, XXXX. Consolidation is not a part of the language of the law, and consolidation is a natural, financially savvy way to save money on loans and/or debt. Essentially, I was told that I 'm being denied because my loans are consolidated with whatever loan is left from prior to XXXX XXXX, XXXX. If I never consolidated, then, the loans from after XXXX XXXX, XXXX could be forgiven. I do not think this is fair, and also, it seems I have a valid argument here, because the law does now mention consolidated loans. Also, the new date on the overall loans is the consolidated date of XXXX/XXXX/XXXX, so why is that not the date of the loan forgiveness?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have had student loans through sallie mae sold multiple times and now handled by Navient. Have been out of college 15 years and still have a large balance. These should have been paid off by now. When I try to contact Navient i get nowhere. 
I want to know how to get a history on my repayment and why this is not close to being done. 
Thanks you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: MO

Complaint narrative:
I have been making a payment with Navient from XX/XX/2009 to XX/XX/XXXX. I have paid over {$22000.00} and My balance has only decreased {$6000.00}. I have to sit on a call with a Navient Representative for over a hour for them to tell me all of my expenses. Once this call is complete I they tell me well your payments are going to go up. I tell them every year I ca n't pay this amount. They tell me that I took the loan out so I have no other Choice.I told them when I took the loans out I was under the impression that I could consolidate my loans now I ca n't Private loans do n't qualify. I cry every night because it 's a nightmare. They want provide me the paper work that I am signing up. I give them dates o take the payment out and its never the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Fast forward 5 years and the same problems exist with my loan modification program today. When I started the process for a loan modification with Bank of America in XX/XX/XXXX and finally approved for trial payments in XXXX, XXXX. I started making my 3 trial payments with the understanding that BOA will report to the CRAS that I was making the trial payments and all the future payments under the modification according to the letter they sent me ( although, from what I understood under HAMP guidelines, if a customer is current during a loan modification period, the lender must report them as current to the CRAs ). Obviously, this has not happen with my home loan account with Bank of America despite being making payments on time every single month as stipulated under the permanent loan modification approved since XXXX, XXXX with first payment sent in XXXX XXXX under the permanent modification ( please see record of payments attached ). On XXXX XXXX, XXXX I was granted a bankruptcy under Chapter XXXX where my vehicle and my home were excluded by my own request wanting to keep my home already going under a very long process for a permanent loan modification delayed by Bank of America. On XXXX XXXX, XXXX on XXXX in XXXX with the XXXX my final hearing with the assistance of my attorney in XXXX under my Oath and Confirmation to the bankruptcy with Judge XXXX XXXX, XXXX District of XXXX the hearing conducted and processed by phone ( see copy of documents ).

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 2016-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX/XXXX/16 I contacted the claims department at Bank of America and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Bank of America could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Bank of America insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Bank of America has done is worse.

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 2016-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: IL

Complaint narrative:
I had a hospital bill that was paid late by my insurance company. The debt was sent to a collections agency that has agreed that the debt is not due, when I speak to them on the phone, after I sent the proof it was paid. They continue to keep a Collection on my Credit report that is lowering my credit score. I 've tried to dispute it with the credit reporting agencies but the system of disputing a debt is useless since they do n't confirm anything.

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 2017-01-21 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: NH

Complaint narrative:
I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
For me, there was a single order at XXXX, but at Bank of America there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. 

I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). 

So I called Bank of America to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Bank of America should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Bank of America since they do n't even honor their own credit card agreement.

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 2016-10-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I cosigned a private student loan for my grandson in XXXX for him to go to college. My grandson unfortunately dropped out and disappeared and I was stuck with the loan. Navient now services the loan, originally with XXXX XXXX and they have harassed me to a point where I have to take XXXX. I made my best efforts to pay until very recently I decided I could n't. Since XXXX I have applied for forebearances and/or made monthly payments. I live on fixed income, social security and a very small pension monthly. I can barely meet my necessities and have a documented budget showing my money flow. I originally was paying $ XXXX until XXXX XXXX they increased my payments to {$240.00}. I have paid this diligently until XXXX when my medical expenses have gone up and I can not afford this payment. I tried to negotiate with Navient to lower the payment but they refused. Then I gave them my to the XXXX budget on my fixed income, they told me things like, " Eat less {$200.00} for groceries is too much for a person '' ( mind you I am a senior ), they also told me, " get rid of your dog it 's too expensive '', additionally that haircuts are luxuries and most recently that they would GARNISH or TAKE my social security check. I have seen a financial counselor who assured me this is a private loan and they can not garnish my social security but Navient 's threats to me had me shaken and seriously nervous. I have since decided to stop paying the loan and sent them a cease and desist letter. Navient was robo calling me 6-8 times a day and I have it documents before the letter. The financial counselor called them with me and advised them not to call me until they received the Cease and Desist Letter. They did stop for a week. I sent the letter with a return receipt and got confirmation that Navient has received the letter. Amazingly, Navient started calling a week later, when I stated I sent a Cease and desist letter they denied they ever got it. I have my return receipt stamped by Navient stating they received it. They told me I had to email it over but I do not have email. Thankfully my financial advisor emailed it over from her email. Her contact is XXXX XXXX, from XXXX, a non-profit that is contracted by the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2016, I requested a wire transfer from my Bank of America account to XXXX hair cosmetics in the XXXX in the amount of {$330.00}. This was pursuant to trying to purchase products from this supplier online where my credit card would not go through so a XXXX representative emailed me and suggested I wire the money to them instead. The wire transfer was conducted at Bank of America, in XXXX, VA ( XXXX XXXX XXXX, XXXX, VA XXXX ). I then emailed the XXXX ( XXXX ) on XX/XX/2016 to inquire with respect to whether they had received the funds and they denied receiving the funds. I then went to Bank of America and Bank of America stated that the funds had been withdrawn by the XXXX financial institution on XX/XX/2016 and they gave me a copy of the transaction, to include the transaction reference number and the amount that the XXXX had withdrawn from my account. I contacted the XXXX via email on XX/XX/2016 with a copy of the bank documents verifying that the XXXX and their financial institution had taken the funds from my account. I asked for my money back and indicated that I had since purchased the products elsewhere due to their lack of responsiveness. The XXXX never wrote me back, they kept my funds from the wire transfer, and they never provided me with either the product or my money back. Please advise. Additionally, I have all supporting documentation on this. Thank you and please let me know what next steps entail. Thanks again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I filed Chapter XXXX Bankruptcy XXXX/XXXX/XXXX due to over using my credit cards for living and medical expenses while waiting for Social Security XXXX Insurance from an unresolved work injury and not being able to work and pay bills. I had a vehicle loan with Huntington Bank starting XXXX/XXXX/XXXX and chose to list it as Exempt Property on XXXX and to Retain and Pay on the Debtor 's Statement of Intention. I continued to pay and they accepted regular monthly payments until I paid it in full XXXX/XXXX/XXXX, 24 months early. They continue to list my vehicle as " Debt Included in Chapter XXXX Bankruptcy '' and " Discharged through Bankruptcy Chapter XXXX '' although it was n't and was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
There is a fraudulent charge on my account, I have spoken with the financial institution numerous times since XX/XX/2016 about the matter. The claim has been closed and reopened numerous times, and while each representative at Bank of America agress that the claim should not have been denied, the system keeps kicking it back. The last representative, after reviewing the account, explained that they keep attempting to credit it and the claim seems to be going in a loop that should not be happening. After extensively researching the claim she told me that so does not believe that anything she can do will get this to go through and agreed that filing a complaint with the CFPB may be the only way to get someone that can override the system to take care of the issue.

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 2016-10-24 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: MO

Complaint narrative:
Bank of America charged an overdraft fee of {$35.00} for a transaction that did not overdraft the account. I have attached a download of the transactions with the transaction in question highlighted. As you can see there is a balance of {$62.00} after the transaction is processed. I have also attached the email indicating I was charged a fee. This is clearly an error, or more likely an intentional fleecing of the customers of this giant corporation.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loans were with XXXX XXXX and they were transferred to Navient. I belieive that some payment info is inaccurate they went up on my APR. with out my consent. Unfair and deceptive collection practices. Sending me emails stating I owe XXXX when my loan is on a income based repayment plan and there is no balance due yet. they also cheated me on Interest that accrued and the balloon interest that went on loan in the short period of time since Navient taken over the loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: NC

Complaint narrative:
I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared 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 monetary relief
Consumer complaint received 2017-01-31 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: TX

Complaint narrative:
I have a XXXX private student loans with Navient. Every month that I make a payment a different amount is paid to the priciple vs the interest. For example if my monthly payment is {$400.00} then only {$50.00} would go to my priciple and the rest to interest and vis versa for the next monthly payment. I 've also tried to get lowered payments with them but they make it extremely difficult to do so. I 've also tried to get my consigner released but a very rude customer service agent told me that they can only be released when I pay off the loan, which makes no sense. They have terrible customer service, despite the fact that I 'm on a payment plan, the first thing they ask when I call them is how would you be paying your past due balance.

Company response to consumer: Closed with explanation