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

Complaint narrative:
I can not afford the new payment for my loans, it was interest only and went up by {$200.00}. When I called in an attempt to make some different arrangements I was advised to not make the payment, causing it to go to collections and then they said they would be able to make different payment arrangements after that. I do n't understand why they would want me to risk my credit by doing such a thing. I explained that I could afford an increase of {$100.00} per month but not an increase if {$200.00}. They insisted that there was no other way to make a different arrangement without sending my account to collections.

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

Complaint narrative:
This complaint is for both federal and Non-federal student loans. I have been having trouble repaying my student loans since I moved to Texas in XX/XX/2014. On several occasions, Navient has sent me emails with this subject line : " XXXX, Reply YES to Postpone Your Student Loan Payments ''. I replied yes on multiple occasions thinking that they would send me information of repayment plans. Well it turns out that replying " YES '' actually put my account into forbearance. I truthfully did not email read the emails initially. I did not think that they could legally change my loan status without verbal affirmation and without asking indentifying questions. So image my surprise when all of a sudden my student loans increased by thousands. Now I am hearing that I would have qualified for income based repayment which I had no idea about. I would have never agreed to forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had my bank of america credit card ending in XXXX for year and have never been late. Bank of america sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We went to Bank of America to ask for a refi of our XXXX & XXXX mortgage - they would not process the request. 

We then asked for their help with a loan modification when we realized that our XXXX mortgage with BofA would convert into a fixed rate loan with monthly payments of {$2300.00} & our XXXX mortgage is {$2900.00} with an interest rate of 5.750 %. Boba declined our request for a loan modification. 

We would have been eligible for government assistance under HARP but BofA wo n't sell our loan to XXXX - they are holding us hostage in a loan that we can not afford.

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 2016-07-22 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: IN

Complaint narrative:
Per the requirements I have been sending payment with instructions to Navient as how to specifically allocate the payment, starting with the XXXX loan ( by name and number ) and allocating all fund required to pay off that loan, and then moving to the next. I do this each time I send in a new payment. XXXX out of XXXX times I have done this, Navient has not applied the payment correctly. I have had to email them and request that they go back and reallocate the payments as I instructed in my letter. This, to me, is not only illegal, but extremely deceptive. I have followed all their requirements with each letter ( I have saved copies of each ), and yet, they continue to apply the payments to lower interest loans not specified in the instructions. Only after I send them an email threatening to report them do they re-allocate correctly. I, personally, am tired of having to do this. Navient is not only ignoring the initial instructions, they are breaking the law. I truly hope this will be looked into ; I am sure there are students who send payment and do not double check that the amounts were applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: IL

Complaint narrative:
I do n't have the income at this time to pay back my loan and I 've been given the option of forbearance from Navient but not once was I told I would still be charged for interest until I read an article about Navient being sued and it mentioned it in the article.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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 was a victim of a scam from applying for a job on XXXX and the day I applied the sit was reported as a scam, yet I was never notified, I took the check in hopes that this was a good check and I had a job. I let Bank of America know my concerns with the check and how I received it, they had it on hold and I talked to several different employees and they reassured me the check was in good standing, I went down to my local Bank of America branch in XXXX, Ca and was explaining to the teller how I go this job and the check and how I was concerned about it she assured me that the check had cleared, I took out the money and then left the bank I was informed to go back into the bank and go to a different teller to deposit the money into another Bank of America account, I told the teller he wanted to me to go to a different employee to deposit the money she said no I can help and so I explained to her the situation and she finished the transaction. I have been to the FBI and have made police reports and have wrote the XXXX.I notified the bank that day at XXXX on XXXX XXXX 2016 and reported the account I had deposited the money into and called the bank of the check that was sent to me, the account had been red flagged due to frudulent activity and the check was no good. Since thisI had my tax return that was going into there that I could n't change but was told since the account was closed it would be rejected and a check would be issued out to me. Today XXXX XXXX, 2016 I had gotten a call from Bank of America informing me that XXXX was wrong about my account being closed that in fact it was closed. However I have a letter stating to me that is dated on the XXXX of XXXX that my account has been, and my last statement that does n't show the money coming in. This does n't seem right to me and the Police officer and FBI agent suggested that Bank of America had not caught this and should have been aware ; and as a result I am suffering over {$4000.00} and plus is financial loss.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
What happened simplified, Subjects : Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, My husband and hisdeceased mother ( the victim of Identity Theft ) according to Federal Trade a commission ). 
XX/XX/XXXX my mother in law passed away from that date up until beginning XX/XX/XXXX mymother in law had been receiving regular Social Security Benefit checks directly deposited into heraccount I believe the last XXXX numbers of her account XXXX. my husband and myself also have bankaccounts in Bank of America XXXX My husband confessed to me that he was fearful of the prospect of the FBIfinding out about it, my husband was indited and convicted of defrauding the government of federalfunds among other charges and was sentenced to 3 years in federal prison and without my permissionhe went ahead and took transferred money out of our marital joint account to cover the loss of thestolen Social Security benefits through her unauthorized ATM card. I believe that total was about XXXXdollars. My husband and I are going through a divorce and that money was part of my equalization ofassets a little over XXXX. 
I had alerted first the Federal Trade Commission, got a reference number got all the requirementsrequested a police report number, the detective called me to say basically it 's a waste of time that Iwould have to know all the ATM 's he withdrew those funds from his mothers account. I would need asubpoena to open my mother in laws accounts even though I had a POA. I tgan than called the office ofinspector general sent in my complaint and was time stamped and signed. I called couple days ago andshe sounded pretty confident in referring me to Consumer Financial Protection Bureau and in hoped totry and recover those funds from my bank account. 
Thank you for you time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
In XX/XX/2016 I received a mailer from Navient listing options to reduce the payment on my private student loans, including a 0.25 percentage point interest rate reduction for enrolling in automatic payments. I called Navient to confirm that my loans were eligible for the rate reduction. The agent confirmed that they were, so I set up automatic payments. Those payments have successfully processed for three months now. However, my rate and payment have not changed. I contacted Navient today to express my concern and was told my loans are not eligible for the rate reduction. I believe that either the agent today lied to me to meet goals for denying interest rate reductions, or the agent in XXXX lied to me to meet goals for enrolling customers in automatic payments. When I confronted the agent today with this interpretation and asked for identifying information for the agent from XXXX, he disconnected from the chat service we were using to communicate. I would like assistance securing my interest rate reduction and back payments for the reduction I have been entitled to since enrolling in automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I setup auto pay for the account. But unfortunately later on I find out it was not. When I get letter from the card service regarding late payment I contact them and pay the payment immediately. It was totally unintentional mistake and when I explain it to the card service they waive the late fee. In 2016 when I check my credit report I saw they put a 30 days delequint report on my credit report. I talk with card service and explain them that it 's an unintentional mistake and request them to remove the report from my credit report. But they denied my request by explaining that it a valid report. I do n't know what to do. It 's hurting my credit report. Please help me to solve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Dear Sir/Madam, Re : Bank of America Core Checking Account ( # XXXX ) and Regular Savings ( # XXXX ) I am filing a complaint against Bank of America for unauthorized charging service fee on my regular savings account without any prior notification. We open Core Checking account in XX/XX/XXXX and was persuaded to also open a regular savings account. We were told at the time that the XXXX accounts would be linked and there would n't be any charges or fees as long as we maintained our monthly balance no less than {$1500.00} in our core checking account. Since then, we have met our minimum balance requirement and maintained at least {$100.00} in our savings account as well. 
However, starting from XX/XX/XXXX, the Bank imposes a monthly charge of {$5.00} on the grounds that our savings account has less than {$300.00} even though our balance in the core checking account always far exceeds {$1500.00} and the two accounts are supposed to be linked. We challenged their unauthorized debit and were told that there was a letter of advice sent out in XX/XX/XXXX. We never receive such letter or any electronic communication from the Bank. 
Finally, the Bank agreed to refund me but for some reasons, not the full amount of the 5 months of charges. We file this complaint because we feel being misled and we do n't know how many of consumers are being treated like that. We would appreciate your prompt attention to the matter. 
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 2017-01-20 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: MA

Complaint narrative:
Have had several issues with bank of America on their processing of payments. Had made purchases and what they do is hold the purchases and when a big transaction comes in they pay that out first and then I overdraft on all the other purchase resulting in multiple overdraft fees. contacted the bank several times and was told that is how they conduct transaction processing, Even though the other items were presented the night before they process checks first and then ACH transactions. Explained to them that is not fair to Consumers because they are taking advantage of them with all the fees.

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 2016-01-07 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I am getting over XXXX calls a day from this number. They will leave a recorded message stating that " This is XXXX XXXX from Navient. Please return my call at ( XXXX ) XXXX. '' The calls are occasionally after XXXX. I am late with my current month 's payment to Navient and will be paying it next week, although I have also received these frequent ( XXXX times per day ) calls before even when not behind on payment. It is my understanding that frequent calling is harassment and illegal. Anything you could do to stop them from doing this to myself and other Navient borrowers would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 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: NY

Complaint narrative:
I recently re-enrolled in school for my XXXX XXXX at the University XXXX XXXX. Prior to re-enrolling I called my loan servicer, Navient, and requested information on how to make sure my loans would be put into deferment during my time back at school. They informed me there was nothing I needed to do and that NSLDS would inform them when I was officially enrolled. Fast forward to a few weeks after I had been attending classes. At this point I had received a letter from my other student loan servicer, XXXX, stating they were informed I was in school and my account was now in deferment, nothing from Navient. I called Navient and was told they had no information verifying that I was enrolled in school again. I nicely pointed out I had just received a new federal loan from Navient to cover the cost of the tuition for my XXXX XXXX and it was already showing up on my account with the status of " in school ''. They said they could not do anything because the mere fact that I had a new loan did not really mean I was enrolled ( How else would I have gotten the loan? ), they suggested we conference call with the school. We called the school and they verified I was in fact enrolled in school and they had sent the information to the NSLDS and Navient should be able to see it. Navient simply stated they could n't and to try again later. A week or two later I got a call from Navient requesting I provide proof I was in school and some additional forms to bring to the school, up to this point I have not had time to get them filled out ( I work full time and attend school, when would I have time to wait in line at the financial aid office for an hour or XXXX just to get a form stamped? ), on my account it now states that my loans are " waiting for documentation of forbearance '', which is n't even what I 'm trying to do. I will eventually get the forms stamped but I find this absolutely ridiculous. First that clearly Navient is ignoring the XXXX as both my school and other loan servicer agree the information stating I 'm enrolled is there, and second that I have a brand new loan with Navient stating I am in school and they refuse to accept that as proof. Again I ask how could I get a new federal student loan without being enrolled in school?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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: IA

Complaint narrative:
An escrow company submitted XXXX payoff checks to Navient on my behalf. The checks were overnight shipped to the proper address, an employee at that address signed to accept the delivery, and I received confirmation that the package was delivered. The checks cleared the bank on Jume XXXX, but Navient has not applied the amounts to my account. They say that they did not cash the checks, that XXXX XXXX cashed the checks, and that I need to resubmit checks to the proper address and deal with XXXX XXXX to get a refund. I confirmed the address with Navient, sent them the deliver confirmation, sent them copies of the cancelled checks, proving that the checks were addressed at made out to the proper entity. Still, the refuse to resolve the issue and credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to complain about practices of Bank of America XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Bank of America I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that " We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states " Balance '' in the " Account Summary '' section on the XXXX page of the bill and does not specify " Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief