vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Poor cosemmunication of Mortgage Loan officer XXXX XXXX, causing problems with closing. Although I complied with every aspect of this process, and sent in all documentation, by fax from Bank of America XXXX TX XXXX with OK confirmation. the Loan officer XXXX XXXX failed to tell me that my application was declined after we had a closing date and I was told that everything was fine. I attempted to contact the mortgage loan XXXX XXXX XXXX multiple times, and she would not call or email me back.When I spoke with Vicepresident CS sales Manager XXXX XXXX, he told me that my file had been declined 10 days prior to me calling him.She has sent and email to me and the Title Company XXXX XXXX on XXXX XXXX stating that she was waiting on the underwritting to confirm closing. According to Vice president XXXX XXXX, my file had been declined on XXXX XXXX, I still have yet to hear from Loan officer XXXX XXXX, and I have since rented my house out, since she let me to believe that everything was fine. My children and I now has no place to go due to her poor communication and unprofessionalism,, and I may lose the contract on the house that I am trying to buy. I was also told that if we did not close on XXXX XXXX, I would receive {$500.00}. Bank of America is obviously not concerned with my family 's safety or well-being and has been very unprofessional in this entire process. I will provided all the documentations for this entire process. thank you so much for helping us. XXXX know how many has going through the same situation like 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 monetary relief
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into 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 2015-03-23 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: DC

Complaint narrative:
On XXXX XXXX, XXXX I received a Credit Alert from XXXX advising me that Bank of America filed a 120 day or more days late on my credit report. I do not have an outstanding loan with Bank of America and the loan I had was paid off to a XXXX balance on XXXX XXXX, XXXX. I do not owe Bank America anything and I do not understand why they are or feel they can report any information to credit agencies on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Pioneer Credit is calling my place of business to collect a debt after I previously told them this is not acceptable. I do not want it and neither does my employer.

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 2015-03-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: UT

Complaint narrative:
In XXXX of 2016, I arranged to settle my account with Navient. The agreement was that if I paid half of my total balance due, that they would agree to settle the remaining balance since the account was 10 years old and in good standing. 2 weeks after I made my payment and was told it was settled and I would receive a letter in the mail stating so, they have been trying to collect the remaining balance that they agreed to write off/settle. I have contacted Navient several times explaining the situation and each person confirms the account is settled. Now I am getting past due payment statements that will probably end up reflecting on my credit report. I want this resolved!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been stolen from for XXXX years from bank of america HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements.

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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I need the high interest rates removed and lower payments to bring my loans current

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX in 2009. They are a school who of course offered to find you work once you graduate and, in whatever I originally signed, a person is not to attend grad if you owe money. 
During my attendance, I went to ever financial meeting and they always told me everything was okay, all the school needed to do was turn in my XXXX XXXX paperwork for my final loan to go through and I was good to attend grad. 
The day AFTER grad they called me to the office and said I owed {$5000.00}. I asked why I was able to go to grad if that was the case, but they only kept saying " well you still owe us money so you are n't getting your XXXX '' I still have n't told me family because I 'm so sad. Every time I call or visit to ask for paperwork on my years attended they never call back or ignore me and I have never recieved anything regarding my case in the last 5 years. 
I am not the only person this has happened to and it has only happened to minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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: WA

Complaint narrative:
I had been using my bank of america banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity.

Company public response: Company 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: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Not sure

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 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: WI

Complaint narrative:
Account owner died and Bank of America is making it difficult for the executor of the estate to collect the funds from the deceased money market 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 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Ive offered to pay off a debt with Central Financial Control to no avail. Ive practically begged to pay and have it deleted. I explained that I was scheduled to close on house at the end of XXXX but they are adamant a out not paying for deleting it off my credit report. Wbether I pay a settled amount or full amount they 're refusing to have it deleted. Because of this my credit score dropped and I was denied financing. I spoke with customer service reps and someone in the dispute department, but no one would agree to have it deleted. They 're all saying they do n't and wo n't delete. I spoke with them on XX/XX/2016 4 different reps. Friday, XX/XX/2016 I was denied financing because I could n't get the account deleted. I 've actually had one rep to yell telling me no matter what, it wo n't be deleted.

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 2015-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Third party contacted me after I asked them not to then other party under other name contacts me on separate accounts. I also have a solutions specialist incorporating on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have had a student loan for a number of years, in the last few years I have had to take care of my child on my own and am homeless, living with family. As of XXXX XXXX, I have been laid off from my job. I have tried to request deferments from Navient and have either not been answered ( the case with the last XXXX applications ) or they tell me ok you can have it only to send me a massive bill the next month. They now tell me that my minimum payment is over {$800.00}, and that I owe over {$20000.00} and I never borrowed more than {$12000.00}. I never had these problems when XXXX XXXX had my account. I am not trying to get out of paying my debt, I simply need help at this time. I attended XXXX XXXX College as well as the University XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
In my recent review of my credit report In XX/XX/2016 I noticed Central Financial Control is reporting the same account to all three major credit Bureaus. I have disputed this account with the collection agency and they provided me with a itemized statement of procedures performed along with the medical summary of charges. This is a violation of HIPPA LAW. I have uploaded the statement. 
According to my understanding of the Fair Credit Reporting Ac, t their duty as creditors if to accurately report any account and to correct any mistakes and to place a comment of dispute on my credit report within 30 days ; this has not been done as well. 
Central Financial Control XXXX, TX XXXX Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 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: MD

Complaint narrative:
Bank of America continually refuses to honor my request to opt out of any overdraft protection or coverage. I do not want any transactions that might send my account balance into the negative to be covered. If/when they are covered, Bank of America is happy to charge me a {$35.00} overdraft fee. I do n't want this coverage. I want any transactions that would send my account into the negative to be REJECTED.

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 — 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 had never been informed of income driven repayment or even a suggestion to talk to my accountant about filing separately from my husband so only my income would be considered. There is no way we can move forward in our life financially with me paying over half of my monthly income towards Navient. He pays all of the normal household bills and I take care of my student loans, however we are unable to apply for a mortgage due to my massive student loan debt taking a large chunk of my income. As a result almost all of my other loan repayments are delinquent or nonexistent. I was also never informed my cosigner could be released. When I would call to try to lower my payment, I was talked into a forbearance and now owe about XXXX additional due to this misguided information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I cashed US Savings Bonds at Valley National Bank, XXXX, NJ. Upon receiving my XXXX from the bank one was recorded for the whole amount and not excluding the principle. I have called the banks customer service, spoke with a branch representative, wrote their executives and have yet after over a month received a corrected XXXX. Here is the text of my email on XXXX XXXX and resent second request on XXXX XXXX. 

XXXX XXXX XXXX - President Valley National Bank : Dear XXXX, I usually write to XXXX XXXX when the occasion arises however, I decided to give him a break. Unfortunately, as a Valley customer and shareholder I continue to have issues with the bank except when I go to the XXXX XXXX Branch. That said I cashed numerous US Savings bonds that are now maturing after 30 years. Last year from mid-year on I cashed XXXX, this year will be XXXX at XXXX per month. I cashed all in XXXX XXXX except XXXX and XXXX of the XXXX cashed in the XXXX XXXX XXXX branch was incorrectly recorded. Why I know and why it sticks in my mind is that although I have multiple relationships with the bank, put my driver 's license through your system and opened the accounts in that branch the CSR proceeded to demand ID and she even wanted my Social Security card which I do not carry. This is all even with me depositing the proceeds into the passbook opened in that branch. Please see below. 

On the VNB XXXX received the bond number is XXXX and the amount recorded is {$110.00} which should have been {$90.00} since the bond at that time was a {$50.00} bond that you paid {$25.00} for hence the principle amount. On XXXX XXXX after a long and arduous conversation with customer service they connected me with XXXX from the XXXX branch. After discussing the XXXX at exhaustion she agreed it was wrong and put me on hold, made some calls and when she came back advised I would be getting a revised XXXX. Well today is XXXX XXXX and I have yet to receive a simple correction. Sadly, the additional {$25.00} shaves off {$15.00} additional off my refund. It is a miniscule amount but why should I be penalized for the poor work on behalf of a VNB employee, would you not agree? 

Before I go further, I am respectfully asking for your help. 

Very truly yours, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
I have had awful experiences with Navient including : Being signed up for forbearance 3 times, improper disbursement of payments, harassing phone calls at all hours of the day, all day, in excess of 10 times a day, to myself and my family that cosigned. I was never encouraged to enter a repayment program. Since learning about repayment programs, I attempted to enter an income based repayment program but was told I could not do so at the time. I also attempted to consolidate all of my loans together into one. They denied that request but went ahead and consolidated together a couple of my smaller loans which did not benefit me in any way. As a matter of fact, that consolidation hurt my credit significantly. When I challenged them about this consolidation they told me they could not do anything about it now. I then asked for the promissory note bearing my signature to this new consolidation loan ( which I knew did not exist because I would have never signed off on what they did ) and they assured me they would send it by mail. They never did ( of course not ) and I am not in any better place than I was before with my loans. As of writing this I owe {$100000.00} for an XXXX Degree I earned in XX/XX/XXXX. They took a systematic approach to increase my debt as much as possible since getting these loans in XX/XX/XXXX at every level. It has been a nightmare that has affected me at every point of my life. I continue to struggle to find my financial footing and have postponed many benchmark achievements in my life due to struggles over this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XX/XX/XXXX ( around XXXX/XXXX/15 ) I called Navient and requested 30-day loan payoff letters for XXXX of my private loans. I needed these letters to complete a pre-approved loan consolidation application with a credit union. On XXXX/XXXX/15 I received these forms online, but there was a big error in one of the payoff amounts - rather than approximately {$4300.00} the letter showed {$43000.00}. The other XXXX letters were correct as far as I know. I called Navient back around XXXX/XXXX/15, informed them of the error and requested a corrected copy of that letter, in addition to new payoff letters for all of my private loans. These were promised to me within 24-48 hours. I still did not have the letters on XXXX/XXXX/15, so I called them back, having a lengthy conversation ( XXXX+ ) with a representative, then her supervisor, explaining the above. They promised a payoff letter for each of my loans within the next 24-48 hours. It is currently XXXX/XXXX/15 and I have not received them yet. 
Here are my concerns : I 'm concerned about the accuracy of the loan payoff amounts on the letters. 
I 've spent a considerable amount of time corresponding with Navient to resolve this. 
While I wait for the letters, interest continues to accrue on my loans - a higher rate than what would accrue if the loans were consolidated, which I can not do until I have the letters. 
If I do n't submit these letters to the credit union for my consolidation application within a certain time frame, they 'll cancel my application, causing me to start over from scratch.

Company response to consumer: Closed with explanation