vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX I got an auto loan from J.P. Morgan Chase Bank. The contract I signed was for the Amount Financed : XXXX, payment schedule of XXXX payments of {$510.00} and XXXX final payment of {$510.00} due on XXXX/XXXX/XXXX. In XXXX XXXX, I was in the process of paying off the auto loan ; however, after contacting Chase to find out my payoff amount, this amount was different from what I had calculated so I asked Chase to send me a itemized statement listing all payments made, interest payments, and principal. First thing I noticed on the itemized statement there was a charge of {$190.00} ADDED to my original loan of {$22000.00} ( this is what my contract states I OWE and SIGNED for ) which now made my total loan for the amount of {$22000.00}. Therefore the {$190.00} ADDED to the principal of the loan, would affect the interest over the course of the loan. I contacted Chase in reference to this discrepancy and no one could tell me what this charge was for, in fact, the charge was ADDED to the PAYMENT column. ( So in reality, this should be a PAYMENT, not an ADDED charge. ) I called Chase several times, talked to several people asking if they could do an audit on my account, and I was told they do not have the manpower to do this. I took all my auto loan paperwork to an accountant, they calculated the payments, interest, etc. and showed that Chase has been PAID IN FULL and there is a CREDIT on my account for {$470.00}. ( based on beginning balance of {$22000.00} ) Based on the amount of {$22000.00} ( the amount showing on the itemized statement, adding the {$190.00} ) there is a CREDIT of {$400.00}. Chase is stating that I owe {$560.00}. Based on the information submitted, i disagree with this amount owed. In looking over the itemized that Chase sent me, Their statement showed several months where the FULL payment that I made was applied to the interest, nothing applied to the principal. I understand that interest is accrued daily, and computed on the principal of the loan. I would appreciate any help you can give me on this matter, as I have gone in person to the J.P. Morgan Chase Bank in XXXX XXXX, Michigan sat down with a representative with my paperwork, and she also could not help me. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 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: FL

Complaint narrative:
My monthly payments under my for my department of education loans are {$30.00}. The monthly payment for my ( consolidated ) Federal loans are {$130.00}. The total amount of the loans I am responsible for paying each month under my IBR is {$160.00}. This has been the amount I am to pay since my IDR started. However, my amount due for XX/XX/XXXX is {$260.00} for my federal loans. This is an increase of {$98.00} on my federal loans. 

I missed my XX/XX/XXXX payment. I made the missed payments and paid the current amount due for the loans. On XX/XX/XXXX, I made a payment in the amount of {$320.00} ( which included fees ) for the federal loan. I paid XXXX for my department of education loans to bring them current. I paid a total of {$390.00} XX/XX/XXXX to bring both loans current ( including fees based on the XX/XX/XXXX bill ). 
However, my XX/XX/XXXX statement is showing I owe {$98.00} in fees. There should be no fees as since my last payment I paid all outstanding fees, past due payments and current amount due. Additionally, per the breakdown of my payments the late fees total {$14.00}. Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
Per my phone call with Navient on XX/XX/XXXX, I was advised that the payment I made on XX/XX/XXXX for the past due and current amount was applied by paying the past due balance, the current amount due and adding the remaining balance to the principal. This makes no since, because the amount I paid included payment for fees according to the monthly bill and their website. I paid the fees to remove them but they applied them in a manner that was not beneficial to me. When I asked about my current amount due I was told the balance was {$41000.00}. Which could not be accurate if the payment I made on XX/XX/XXXX was applied to the balance of the loan along with what I paid toward fees being applied to the principal balance, my amount due should be less the amounts. I was told the additional funds that I paid ( which according to the statement was for fees ) were applied to the principal balance. If they were applied to the principal balance why did my balance remain the same? If my account had a balance for past due fees why are the past due fees showing up now, and why are they so high when I only missed the one payment XX/XX/XXXX? Do I get charged late fees for payments that I make timely. I only missed one payment. If the late fees are {$98.00} that is excessive and needs to be explained thoroughly. 
Questions : Why was my payment not applied based off my statement? 
Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
If the amount I paid for fees was added to my principal balance why did the payment not reduce my balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I have written several letters to XXXX and Best Service Co to have debit verified on XX/XX/2016 and XX/XX/2016 as of today I have not received a response. Enteries on credit reports need to be removed both parties have not responded in a timely manner, is past the 30 day response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 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: FL

Complaint narrative:
I have a loan with Navient for my privet school loans. On my credit report it states I am negative. And I am not. I have spoken to them to update it and they have n't. I am having a lot!!!!! Of issues with them. They have not updated anything payment wise! And they keep sending me bills saying I owe and is past due of XXXX {$.00} I have spoken to 3 different people. And they said they have updated my account. But never did!! Ugh!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 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: PA

Complaint narrative:
I recently began using the " snowball '' method to pay off my student loans. I have them on a Navient auto-payment plan that takes {$360.00} per month from my account, and I have been making " extra '' payments for about 6 months. Today I realized that the extra payments I have been making are being allocated toward interest. I did not realize this was happening and called to find out how to avoid this. I explained the situation to the representative and had to ask her 3 times how to avoid this because she did n't want to answer my question. On the third time she tried evade my question, I told her I work in finance and do n't need her to give me a lesson on how payment allocation works, I just want to know how to send an extra payment toward principle only and finally she told me that when making a payment through their website as I had been, you ca n't select a principal only payment and that I would have to either send a check with written instructions for principal payment only or call them when I want to make a principal only payment. This is not clear and though I should have checked on this sooner, I think it is a terrible business practice to impose on student loan borrowers trying to make extra payments to get out of debt. I think the rep was deliberately trying to avoid giving me an answer to the question of how to make a principal only payment as it took me asking the exact same question multiple times to get an answer. I was not able to find ( though it may exist ) any information about this in their help section which is what prompted my call. 

Their system needs to either let the borrower make principal only payments or clearly state how the payment is being broken down when processed manually through their system, upon processing or in the confirmation email. Further, reps should not avoid answering the borrowers questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Bank of America who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Bank of America reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, " After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed out my mortgage loan after I moved XXXX XXXX, 2016. When they closed out my loan they added a note that I was over 120 days late in paying my mortgage which lowered by credit score XXXX points. I have not been late in paying in over 7 years and was in very good standing. SO GOOD that after I moved and got the BEST rate with another mortgage company that Bank of America offered and issued me a credit card with a high balance. They THEN reported my account as closed to all XXXX credit companies and the mortgage as being closed with them however they added a note that I had been 120 days late. This is WEIRD at best!

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 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I complained on XXXX of XXXX, 2015 regarding my mortgage with Bank of America. After the initial complain they have forwarded me to another department. The new representative seems like work for another company that is hired by Bank Of America. They have requested me the change in circumstances paperwork that I have submitted within a day or two. I have also provided all the supporting income documents for example, bank statements, and profit and loss statements. In addition I have also provided the pay stub for my wife and bank statements of my daughter because according to the website I can add household income too, even if they are not on loan. It seems that foreclosure date is coming and they are trying to gain more time. According to the law, once they receive change in modification documents complete package. They should stop the foreclosure but again Bank of America is trying to play the same witty gimmicks, that they have played with XXXX of Americans for throwing out people out of their houses. Again the person I am working with left me a phone message and after that I tried calling him XXXX times but he was not available. I got a hold of their another manager who started another paper trail which I have provided within hours and it seems like she stopped picking up her phone too. Once they realized that they might can not ask for any possible papers in the world, they stop picking up the phones. Even I had to tell the, m that a person in household can contribute in the qualification process because my initial representative XXXX XXXX have absolutely fooled us for all this time telling that we can not use any other income if its not in the mortgage. Any way I am attaching all the documents provided to bank of America for change in circumstances and hope that someone would take a look at it and ask them for answers. Since they play with peoples emotions by asking some kind of paperwork and after you provide them they tell you that no we cant use this because of some reason and then you provide them more and so on. Please stop this mega monster company from playing with peoples emotion because if they cant do it tell us in first place why play these games with the innocent customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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: CA

Complaint narrative:
I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Bank of America and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.

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 2015-09-14 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have XXXX of Bank of America Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Bank of Americacredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want bank of america refund all cash or power rewards to me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My loan payment has gone from {$2100.00} per month to $ {$2200.00} per month to {$2400.00} per month in a year. While mortgage rates range 3.4 % to 3.75 % my rate as gone from 3.75 % to 4.75 % in less than a year and is scheduled to go to 5.00 %. In the meantime I have applied for Home Financial Assistance and Modification based on increasing unaffordable payments as well as becoming unemployed XXXX 2016 and beginning to suffer unforeseen illness and mounting medical expense as of XXXX 2016. The bank per attached letter has denied modification options and escalated a notice of forced short sale in no more than 45 days. However as of XXXX 2016 my loan is current based on the following. per the bank they hold {$820.00} in unapplied funds and in XXXX I made payments of {$2200.00} and {$1200.00}. the combination of the unapplied funds and my payments total {$4200.00} and cover any amount considered past due as of XXXX 2016. I request bank credit and apply unapplied funds as well as my payments listed here, and acknowledge doing so, and acknowledge that as of XXXX 2016 my loan is current. I request bank cease and desist from force 45 day timeline for forced short sale because the loan is current as of XXXX 2016.

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 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.

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 2016-02-18 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:
I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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: FL

Complaint narrative:
I was a guarantor on a loan for my Kids, and I am know being Audit by the IRSI spend an entire week trying to get information for the loan in question by IRSCancellation of Debt : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX / Date XXXX/XXXX/12 / Amount Reported to IRS : $ XXXX have called every one under the sun to try to get this information, and I have not been able too get anywhere. I have a date line to get this information to IRS by XXXX XXXX according to the XXXX XXXX, the loan is with : NavientXXXXXXXX XXXX XXXX, PA XXXX Help

Company response to consumer: Closed with explanation