vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-30 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 's " Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Bank of America guilty of charging " excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: MS

Complaint narrative:
This company keeps on coming after me regarding a XXXX XXXX account which I have never owed XXXX. I did call XXXX XXXX and it was a sewing machine ordered and deliver to an address I never lived at. I am XXXX XXXX XXXX male and do n't even know how to sew. This is not mine I never had an account with either of these companies. I disputed received a letter XXXX/XXXX/2016 stating they are going to remove and then another letter XXXX/XXXX/2016 stating they are collecting. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27 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: CA

Complaint narrative:
Navient took XXXX payments from my bank account without my authorization. Since then, they have continued to try to charge me XXXX my monthly payment and threaten me by saying they will raise my interest rate. In conclusion, they are bullying me into paying too much on my monthly payments as well as causing overdraft fees at my bank without my authorization and threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed into my Bank of America Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x 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 2017-02-02 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: CA

Complaint narrative:
This company was unwilling to work with me when I was unemployed and They finally put me on an interest only payment plan when I asked to get my payment lowers. THey left. XXXX this plan for years and never offered me something better until recently. I filed letters with the bbb and contacted then numerous times. Everytime I got a different story and no one could give me correct information. Because of their lack of support my private loans have tripled the amount of what I borrowed. They told me at one point I could consolidate my loans to later be told I would have to consolidate them with another company as they no longer consolidate private loans. My interest rate on my private loans is 10 % on each theee loans. When I asked them for information on who I could consolidate with they kept giving me information for federal loans not private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I sold my house on XX/XX/2014 and paid the money at closing to Bank of America. They went and reported me late to all XXXX credit bureaus thus causing an issue with buying a new home. It still shows up on my new credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have an IBR plan. My first payment was due XXXX XXXX or XXXX. 
I set my online banking to mail the payment so it got there by the deadline. I got an email on XXXX XXXX or so saying that my payment was late. I called and spoke to someone who told me she had located my payment and applied it to my account. Today, I got another call from Navient saying that my account is 20 days past due. They are saying that I have to get proof that the payment was sent from my bank because they ca n't find it, even though the woman I spoke to earlier this month TOLD ME SHE FOUND IT AND APPLIED IT TO MY ACCOUNT. Even if she had n't, they should have processed it by now anyway. Since this is my very first payment, I am very worried that Navient ca n't correctly process my online banking payments and that I am going to have to deal with this problem every month. I also do n't want to have to go through this rigmarole of phone calls and sending proof of payment every month just because they ca n't keep track of payments. They also offered to give me a forbearance until this is resolved, but that is really dishonest of them since I only am allowed a certain amount of forbearance during the life of my loan. I should n't have to use it to let them fix their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been working with Bank Of America since 2010, first trying to get a XXXX Loan Modification for my mortgage, then, most recently, trying to complete a Short Sale. I was denied a XXXX Loan Modification because the Bank claimed that my so-called " Back End Debt to Income Ratio '' was over 55 %. This was patently false, and I calculated that Ratio to be 32.01 %, well under the 55 % threshold. But the Bank would n't listen. Years later, they insisted that I now do a Short Sale on my house. Well, I have a buyer, and BOA accepted the buyer 's bid, but now XXXX is blocking the Short Sale, insisting on full foreclosure proceedings. XXXX Case Number 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 2016-05-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is my private loan provider. I returned to school in XX/XX/XXXX to pursue a XXXX degree while quitting my job. While I was able to defer payments on my private loan while in school, I quickly lost any kind of protection once I completed my degree XX/XX/XXXX. I have been going through a protracted interviewing process with a handful of opportunities in the public and private sector and have otherwise been struggling while working as a consultant. My earnings for XXXX were low enough to allow me to qualify for Medicaid, but this does not factor into my dealings with Navient. Despite having extremely limited capacity to make payments on my loans, I am being repeatedly told that I have regular payments. It is distressing to know that I have protections afforded to me with my public loans, but that I have no such protections when dealing with Navient. Compounding this issue is the lack of knowledge I had when taking out this private loan when I was XXXX ; had I known of the lack of protections and repayment flexibility, I would not have pursued this loan option. 

I am asking for help because the risk of being taken to court and defaulting on a loan would cause significant hardship for me. I have every intention of restarting payments upon achieving employment, but Navient is not interested in extending any significant protections to me as an account holder. I find it perplexing that there are little protections in place for people who earn below the federal poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
I request a dispute with dtv XXXX service with my discover card my acct.was credited XXXX. never reponded this was 2014 they sent the charge to cbe group for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient ( XXXX XXXX ) continues to call me on my job about my ex-husband 's student loan. I have asked them to not contact me. They said that they are calling because he used me as a reference. I spoke with the manager and was told they would remove me from the calling list, but I have XXXX new calls on my voice mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My friend transferred {$100.00} to my BOA account through the XXXX quickpay on XX/XX/2016, but I did not received it, and BOA agent did not take care of my matter, my friend showed me a letter from XXXX bank state that the money was transferred to BOA. I told BOA agent about this letter. They still did not take care of it. Please help me to find out the money and refund to me. 
Thanks 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 2016-10-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
bank of america closed out my credit card due to a letter that was sent out by national debt relief program by accident. I went into bank of america to ask for help and how to get this matter resolved. the manager gave me the internal debt number and advised me to contact them directly and ask for help. so I called and the first representative explained all I needed to do was fax in the letter from national debt relief revoking their power of attorney off of my bank of america credit card account. i called back 2 more times just to confirm that this is the correct processed and they promised they will reverse my credit card account. I went out of my way and request for the letter that bank of america asked for and faxed it in to the internal dept. I then waited a few days and called them back to ensure they have received the letter. the representative that answered then stated that bank of america by policy can not help me reverse the account. I asked her why she kept giving me the run around and no answer. and then she stated that I was mislead by the other XXXX representative and they did n't know what they were talking about. I asked I called this one number that was given to me how can all XXXX agree with one solution and you are they only person that is denying me service. I am upset for being mislead and now my account which was not passed due is now in collection and hurting my credit report. I asked to speak to supervisor or manager she refused and kept putting me on hold. I asked for a number or complaint department she told me there is none. and that I would have to write a letter to the head quarters.

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 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My wife and I have had a Merrill Lynch XXXX " wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Bank of America, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can " take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, " if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have disputed this Syndicated Office Systems Account. I have provided them with an identity theft report that I completed with the FTC. To date, they have not remove this account from my credit file. Please assist me in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a compliant with the CFPB in XXXX XXXX on Bank of America 's handling of paying the liens and fees assessed by my Home Owners ' Association. I am now filing a new compliant based on the fabricated and fraudulent information Bank of America provided the CFPB and Florida Attorney General. Bank of America fabricated a letter dated XXXX XXXX, XXXX. This is a completely fraudulent letter that was created for the Florida Attorney General. The date does not even correspond with the situation that was at hand ( see court document for lien ). Due to the mishandling of the lien and fees, I did n't pay my mortgage for XXXX and XXXX XXXX based upon the statements that were made in court on XXXX XXXX, XXXX. My concern is Bank of America 's ability to create fraudulent documentation/information in a effort to say that they did not improperly handle the situation.

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 2017-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX, I submitted my deposit from XXXX, a non-profit where my position is publically grant funded, for around {$2200.00} ( I ca n't access my paystub from my computer ) to Bank of America. That day, I was able to spend around {$80.00} but did not try to use until XXXX XXXX ( to buy XXXX presents and groceries ). When I tried to pay for groceries, my card was denied. When I looked on my phone for my funds, making sure I did n't overdraft, it had my account locked and I called Bank of America. They said I would be able to access my funds from a week from my deposit. The next Tuesday, I went to Bank of America in person to close my account and receive my funds, but my account was closed and I was n't notified. When I asked why my account was closed and where my funds were ( roughly {$2100.00} ), they called the Risk Dept. which told me they flagged my account because my check had been thought to being tampered with ( my check is again from a XXXX ). They said on XXXX XXXX, they would either send me a cashier 's check for what is in my account or discuss the fraud. Today, XXXX XXXX, I called and asked where the check has been ( since it has been two weeks and it should n't take that long to put a check in the mail ). I talked to three different people, totaling around an hour, and ended up being sent to the " escalation dept '' - however, I 'm a social worker and made it to stay calm during the whole process. I was told from one person that in order to gain my funds, I needed to send a letter from my organization telling Bank of America the check was legitimate ; I was then directed to another department and told they were going to email the people who hold funds, could n't talk to them, and in 1-2 days I needed to call them and see what actions I needed to take in order to gain the funds " I believe are not fraudulent '' ( again, I work for a non-profit organization and have no past of criminal or fraud records ). I asked during this time, why was n't I notified, why I was told they would send a check XXXX ago but not notified of any actions, why I have to initiate all of these actions to funds they are holding even if they are legitimate funds.

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 2016-05-04 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: NJ

Complaint narrative:
I make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had Bank of America, from XX/XX/XXXX to XX/XX/XXXX, i fell behind on payments, because loss of job, I was in contact with the bank, trying everything for negotiations, I called daily for help with no relief, I did have knowledge of Banks getting help with $ , I still am in not understanding that I had so much hope, when I called them it was yes we will help you, begging them, right in the middle of paperwork, giving me 3 month trial, I got a notice of pre foreclosure, witch I called the bank, they told me to ignore they were still trying to modify my loan, With in 30 days I had a foreclosed paper on my window, that same day I got letter saying sorry I did not qualify, I got on the phone n trying to speak to someone at the bank, my account number was not in service, this was all XXXX I believed in them, I was devasted in the whole mess, I wish I would not have lost my job, they gave me a loan that they knew I could not qualify, it was a predatory loan, I lost Respectfully, 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 2017-02-15 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: MO

Complaint narrative:
Navient has created obstacles during my repayment by providing me bad information. They processed a large final payment, told me the payment went through, and congratulated me on paying off my loan. Later, they charged me interest and a late fee after they made a " payment reversal '', claiming the bank account number given to them was incorrect. Also, Navient does not show my XXXX Loan Forgiveness of {$5000.00} is removed from my loan, nor can I find it anywhere in my account history. I called and expressed my concern and on the third time, they removed my account history for a few hours before re-posting it. Navient has also sent me emails of incorrect amounts due on my bill.

Company response to consumer: Closed with explanation