vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-23 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: NC

Complaint narrative:
Navient has changed my life in a drastic negative way. I am XXXX years old now. XXXX. I have been on XXXX since XXXX. Navient has continued to harass my mother XXXX and I at least XXXX times a day. They said that I currently owed XXXX in private student loans that I cosigned on for my education. I explained to them that I am on XXXX and I can not afford to pay anything. I also stated that I applied for XXXX Forgiveness for my Federal loans and asked if they could assist me in applying for a program like such for my private loans. I quote that the lady responded to me by saying, " I have never her of such a program and if there is one it would be a true act of XXXX if you get approved, we want our money. '' She also said I do n't care what you have, we will just keep coming after your mother and take all that she has because she is primary. '' Then she proceeded in laughing at me and hanging up the phone on me. I just screamed at the top of my lungs when I got off the phone with her and cried like a baby. There has also been a man calling everyday around the clock saying he is my personal account manager. He leaves nasty messages on my phone as well. I feel like my whole world is ending right in front of my eyes. When my mother took out the loans in XXXX I was XXXX of XXXX XXXX. She had no clue that this would happen to me or we would 've came up with a different route like training classes. XXXX I will be on XXXX for the rest of my life. My mother filed a complaint and was told that there is a forgiveness program out there for this circumstance. I do not believe my mother should be held accountable for this. I read on the Navient page that the only way my mother can get out of this is if XXXX. XXXX I have gone downhill beyond measure. I got married on XXXX/XXXX/XXXX and my mother could not afford to give me a big wedding so we got married in her living room. XXXX days before our wedding day Navient called me and let me know that they wanted {$700.00} a month or else they were going to start wage garnishments. My marriage has not been enjoyable at all. I thought I was finally going to be happy. XXXX I have had to change my XXXX over and over because of my XXXX. I was told by my XXXX to go back to school because I needed something to help my mind get back on track. That I what I did. I obtained my degree XXXX. XXXX I am receiving the proper help. These last XXXX months have been so hard because I feel like everything that I have worked so hard to build within myself is being taken away and broken down. My mother has another daughter a year older than me on XXXX with XXXX. Our family is struggling and we can not afford this. I promise I did not know this was going to happen. I need the forgiveness program on behalf of my mother and I. I need help or I 'm not going to survive. Please!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: OR

Complaint narrative:
I have submitted a form to release a cosigner from XXXX of my XXXX Navient private student loans. I have met the requirements listed here, https : //www.navient.com/assets/pdf/Application-to-Request-Release-of-Cosigners.pdf and was denied a release of cosigner because my cosigner, not I, had made the payments. The information that I would have to make the payments was not made available to me. On a following phone conversation I was told it was because my credit did not meet their required standards. I inquired about the required credit minimum and told it was not possible to tell. I was unable to learn the requirements by talking to the Navient representatives. There is no information regarding this available on their website and it was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On Monday XX/XX/XXXX I noticed a charge when viewing my checking account online that I did not make it was for XXXX in the amount of {$96.00} and it was showing as processing. I called bank of america immediately to report it as a fraudulant charge. I spoke with a gentleman who stated the charge would no longer be on my account in 48-72 hours and he issued me a new debit card which he said I would receive in 5-7 business days. I checked my bank today XX/XX/XXXX and the charge had processed, I called bank of america again to report this issue and the first woman I spoke with had me on hold approximately 15 minutes while she looked into this and then told me she would need to transfer me to a different department. She transferred my call and I was then speaking with a woman named XXXX I gave all of my information to her all over again and she said it appeared that my claim had not been processed, and she needed to put me on hold to check if she could find the existing claim or needed to submit a new one, but instead my call was somehow transferred so I once again gave all of my information and explained the situation and explained that XXXX believed my claim had not been submitted as it should have, this woman stated that I just needed to wait to hear back from their fraud department, even though multiple times I tried to explain what XXXX had said about my claim not possibly being submitted. I asked to speak to a supervisor she told me that no one was available and that she could take my number and have someone call me back in 30-40 minutes it has been an hour and 20 minutes and I still have not received a call back from bank of america or a call from their fraud department. I ended up calling XXXX myself and explained the situation. They confirmed it was indeed a fraudulant charge and the item purchased for {$96.00} had been mailed to a Florida address, and I do not live in Florida or even know anyone there. She said she would be submitting the information to her fraud department and forwarding me the information I would need to file a police report. I want bank of america to refund the {$96.00} to my account as they initially stated they would.

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 2017-01-27 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: MN

Complaint narrative:
In reviewing my loans with Navient it came to my attention that they had incorrectly applied my payments for 2015. When I made extra payments to XXXX of my loans, their automatic system reset the " due '' date on that loan. I noticed the change in date immediately, and called to have them continue applying payments to that loan. Despite my instructions, their system continued to misapply my payments, allowing interest to grow on that XXXX loan ( considerably ) so that every addition advance payment I made, was absorbed almost entirely by the interest. I trusted them to apply the payments as I had directed, and when I continued to see the same amount taken out of my bank account for payment, it appeared to me that they were doing what I instructed. I only recently discovered they were simply applying the extra payments to other loans, and skipping the loan I had asked them not to.I did speak with a representative who acknowledged the issue with my account and is working to fix it. My concern, is that I no longer have faith in this company to accurately apply my payments and manage my loans. I want additional investigations into this matter to ensure they adjust my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 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:
Fraud on my student loan by XXXX.Multiple violations of Higher Education Act.. Denied unemployment deferment in XXXX 1999, for job searches that were not required as of XXXX XXXX, 1999. Loan was forced into repurchase by XXXX XXXX XXXX but Navient continues to try to collect more money though loan was paid by offset year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 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: TX

Complaint narrative:
I have been banking with Bank of America since XXXX or XXXX. At this present time, I find Bank of America to be the biggest criminals out there. In XXXX I opened up and IRA with this company, and I guess the interest rate was okay at the time. Currently my money only nets me {$1.00} a month. On the other end, I have a credit card with this company and they are earning over {$600.00} a year in interest off of me. This is a deplorable way to treat a customer, in fact it is a crime if you ask me. They send out correspondences stating you can get 0 % interest for a certain amount of time, but it is a trap only to get the consumer to pay more interest. I feel that everyone should know about this, this is a trap to keep consumers in debt. Bank of America is for hard working people, but they do not care at all about their clients.

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 2017-02-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Both XXXX and XXXX have several inaccuracies in their reports -- they are either still showing accounts that have been fully paid off or accounts that have considerably lower balances that what is reflected in their reports. The accounts that I am disputing are : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 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: MA

Complaint narrative:
In the fall of XXXX I borrowed {$86000.00} in PLUS loans to help fund my children 's college education. In XXXX I was laid off and late with payments. A XXXX collector said over the telephone that he would stop collection activities if I requested a forbearance. He mentioned no financial consequences during the conversation and offered no alternative payment solutions. 
Due to the economic recession, I took a job for a few years at half my regular salary. I was completely unaware that full interest deferred during the forbearance would become capitalized. I resumed full payment of the loan every month in the summer of XXXX. This month I examined the history of my loan with Navient and discovered {$16000.00} of capitalized interest had been added to my principal balance. I also discovered that over the 9 year history of this loan of {$86000.00} I have paid Navient {$63000.00} in monthly payments. But my current balance is over {$93000.00}. 
Last month I was laid off again so today I called Navient and asked them about lower payment options. Their call center supervisor offered an " interest-only '' repayment option that reduced my $ 750 monthly payment to {$650.00}. This, of course is just as difficult to pay and does not reduce the {$93000.00} balance. 
This family needs relief from XXXX / Navient. To borrow {$86000.00}, pay back {$63000.00} over 9 years, and end up with a {$93000.00} balance should be criminal. To get laid off, and offered an " interest-only '' payment option is making this situation incredibly difficult. 
Thanks for any help you can influence against these lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: WA

Complaint narrative:
Forged signatures of my deceased father and step mother on XXXX note and deed. As well as loan application. By Countrywide Home LoansRefusal to take payment by Bank of America home loan servicing in XXXX XXXX, then defaulted the loan, then sold the the loan to XXXX. They never sent me notice of sale recorded with XXXX XXXX records office. And I received notice of transfer of loan to XXXX XXXX XXXX XXXX five months after transfer on XXXX XXXX XXXX. The document was dated XXXX XXXX. This was received only after calling them to report their sale being void and that I never received documents or any notice. 
Failure to allow me to assume deceased fathers loan. Required me to refinance in my name and credit. Recorded sale and transfer of XXXX forged deed and note being sold in XXXX has XXXX XXXX allegedly Vice President signature. No other signature. She has never been a vp for any company. And only a account executive. Last employed with Countrywide and Bank of America XXXX. She is listed as a Robo-signer online. Her profile online has her work history as proof. notary XXXX CA know for this kind of fraud. Request for recording made by B of A. Bank of America was not the lender only the servicer and can not default a loan in there name or transfer assignment or sale of deed or note. Only the original Lender which Countrywide went bankrupt XXXX. Also XXXX purchased and made deal with B Of A after knowing that their loans originated by Countrywide are fraudulently done by their own record of winning judgement XXXX of XXXX against Bank of America foe selling them these loans. Yet they still made the agreement. So XXXX is XXXX part knowing of fraud and still contracting and helping these defaults and foreclosures. So they are guilty willingly contracting. I feel like this shows back hand deals between companies to settle dispute. Why would either one deal with the other concerning these Countrywide loans??? 
Also cost of fees and charges go up and up. No reason for this increase in cost every year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient has been calling me multiple times a day about my Personal Loans. I am behind on payments. They have also been calling my in-laws and leaving messages on their machine about my debt and that I need to call to get it settled. Their number is not on my account, only my c ell phone number is. I also do not have any cosigners on my loans. There is no reason for them to be calling my in-laws to get in touch with me or to discuss my debt. That is my personal business that I did not want to share with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my bank of america accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from bank of America forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think bank of america should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: OH

Complaint narrative:
In XXXX 2015, Navient Solutions XXXX Inc. sent me a statement that did not appear to be correct. In response, I attempted to contact customer service and get a complete accounting. Instead of providing me with the documents, they reported me delinquent to the major credit reporting agencies. I hired an attorney and in XXXX, my attorney requested all financial records from Navient Solutions XXXX Inc., including identification of the lender holding the note. In response, XXXX XXXX sent me a letter threatening to file a lawsuit against me if I did not make a payment. They still have not provided me or my attorney with an accounting showing the amount of money that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am unsure of the school associated with the group of student loans serviced by Navient. What I am complaining about is the excessive times I am called during the day by Navient. Back in XXXX I informed Navient of the loss of my job and the denial of my unemployment compensation application. I have made payments and as of today I am approximately 25 days past due. This is no reason for computer driven calls to me at the rate of XXXX or more per day to take place. XXXX of these calls has taken place first thing this morning. I am a senior citizen and I consider this to be harassment. During XXXX of the calls yesterday I informed the representative that there was no change in my status since the day before, prior call, and that I asked to the frequency to be reduced or I will send a cease communications letter based on Paragraph XXXX of The Fair Debt Collections Act. I bring this matter to the attention of the CFPB as there may be other consumers that are experiencing this type of activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a credit card with Bank of America more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Bank of America once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX has and is attempting to collect on a account from before XXXX they now have referred the account to some outside agency XXXX/XXXX/XXXX. this is beyond 7 seven years and illegal in my view. failed to contact me this was a phone from and employer XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation