vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I lost a card issued by AAA and told them I wanted it closed. They did so and sent me a replacement card. At the same time, I had been issued a new XXXX card and decided to use it and close the AAA card account. However, I had an auto payment on the AAA card ( $ 10 monthly to the XXXX ). I assumed the XXXX would not be able to bill the new card and would contact me. However, it seems the charge was automatically switched to the new card. I regard this as an invasion of privacy by the credit card company. They had no right to switch the auto payment to the new card without notifying me. In the past I have had problems when the card was the same but the expiry date changed, because the bank would then deny auto payment to vendors. But this new system is even worse. I should have the right to switch where I make payments.

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 2015-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can BOA close it abruptly without any cause?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
I have a family of XXXX with a XXXX wife. With threats of garishment of my wages and not being able to have my loans put on hold. Navient and XXXX has completely failed me. I can not afford to make payment and take care of a household at this current moment. The stress is so over the top is makes you want to run away. My loans through Navient started as XXXX {$4000.00} loans and now are over XXXX. Thats more than my income. They acall and pretend that they are from law offices or that they are detectives and to call back a XXXX number. They have called my wife 's cell phone several times in a day causing her stress she can not stress due to her XXXX XXXX They just applied the loans to my credit causing harm making us unable to get certainin loans that were needed to help pay bills. I pray that you can help in this situation against this horrible leech of a company. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 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: CA

Complaint narrative:
Trumped up my principal owed illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Bank of America to collect more fees from working people. This is ridiculous, I am switching banks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 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: VT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX Bank of America HAS AGREED TO REMOVE INQUIRY FROM MY XXXX REPORT. 
DELETE bank of America INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID

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 2015-09-26 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: TX

Complaint narrative:
For over 3 years I have tried to have XXXX XXXX and now Navient send a monthly billing statement to the student for her loan. 
As of today that is still not happening. 
I have called, I have sent emails, etc. 
There web site does not allow for this request. 
The loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a follow up to complaint numbers : CFPB # XXXX, XXXX, and XXXX ( filed under my former last name XXXX ) against Bank of America and XXXX XXXX. Both companies indicated in XX/XX/XXXX that they would submit and correct my credit report. Bank of America indicated that they would correct my credit report to reflect that the accounts were paid as agreed via short sale in XX/XX/XXXX. I learned today after applying for a loan, that my credit report still shows me owing Bank of America and in the amount of over XXXX dollars!!! I have no idea what this loan is for and it has the same loan number as the one paid under the short sale. 
XXXX XXXX should also be deleted from my credit report. I feel that Bank of America is continuing to harass me and purposely putting incorrect information on my credit report. Please help.

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 2015-07-21 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: PA

Complaint narrative:
I attended a financial aid meeting with a friend at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX XXXX, XXXX, PA XXXX. My friend was told that he would not need any private student loans because he would receive grants and federal student loans. I was asked to give my information to be used as a reference only. I did not question why my social security number was needed. I was added to a loan application as a cosigner without my knowledge or permission. All documents were signed electronically so I can not dispute my signature. The school applied for XXXX loans with my information. The XXXX loan was denied. The XXXX and the XXXX loan were approved. The school representative requested XXXX for one of the loans and XXXX for another loan. Those amounts were very high and again not necessary due to the PA state grants and federal loans my friend would receive. At the end of the day I am on the hook for over XXXX in private loans. I have battling back and forth with Navient formally XXXX XXXX about these accounts. Despite the charge offs I have a credit score in the XXXX. I was taught about credit at a young age and I would never have cosigned for a loan. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX closed its doors in 2012 making it impossible for me to dispute any claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX has been named in a class action lawsuit for fraudlent behavior and I feel that I am one of their victims. The loan was charged off of XXXX XXXX 's books years ago. I contacted XXXX XXXX XXXX the collection agency for XXXX XXXX and they were unable to send me information on the loan. I learned of the loan being handled by Navient by looking at my credit report. I contacted Navient and I was told by a Navient representative to dispute it through the FCC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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:
Upon enrollment into a graduate program, my loans were automatically entered into deferment status. I did not request a deferment, nor was I asked if I wanted to defer my loans. Additionally, it took three different calls to speak to a real human being. The IVR hung up on me twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Student Assist Corp keep calling. I do not have any student loan since not a student for decades. They keep calling by getting my phone from phone directory. They left message to call them back at XXXX. They call two or more times and daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I contacted XXXX XXXX in XXXX about qualifying for the federal student loan forgiveness program in XXXX after 120 on time payments and was on track to keep track of my government employment so I would qualify. In XXXX, I contacted Navient to make sure I was still on track, only for them to tell me I did not have the right type of loans for that. They now wanted to set up an income based repayment plan, which would not have benefited me at this point in any way since I would likely pay of the loans after 120 more on time payments just to qualify. I have been paying on {$33000.00} in student loan debt since XXXX at more than {$200.00} per month and still owe more than {$18000.00} on these loans. Something ca n't be right for 20 years of payments thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I started receiving outrageous robocalls from Bank of America on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on 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 2017-02-22 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have a balance transfer card with Bank of America with XXXX balance transfers at a promotional rate of 0 % APR. XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX and XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX. I was under the impression that payments would be allocated to the balance that the promotional rate expires first. However all payments are being applied to the balance with the expiration date of XXXX/XXXX/XXXX. Therefore my balance of $ XXXX will start having interest applied even if I have made enough payments to cover that balance. I was not informed about this payment application practice on the original contract nor is it detailed on any periodic statement. I would not have transferred either balance nor entered into the contract with BOA had I been presented this information. I feel like I did not have all of the relevant and material information presented to me prior to consummation of the contract.

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 non-monetary relief
Consumer complaint received 2015-12-02 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 applied for a job with Bank of America in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Bank of America would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Bank of America and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: NC

Complaint narrative:
Navient has made it absolutely impossible to change to an income-driven repayment plan. Every time I submit something it claims I failed to submit something else. I 've sent everything at least twice now. Now, it claims because I did n't include the word " gross '' on my income statement, they will not approve me for income-driven repayment. My loans were put into deferment during this period without my permission, which has cause my interest and balance to go up by at least {$1000.00}. I told them I would pay the full amount until this was resolved but I was still put on a deferral program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: NM

Complaint narrative:
I was with XXXX. I received paperwork claiming my payments were being applied towards my student loan forgiveness. I have documents showing I have seven years of credit towards the loan forgiveness. Then I was told I had been moved to my XXXX. My XXXX says navient had me in the wrong payment plan and now those seven years do n't count towards the 10 years of payments I have to make to get my public loan forgiveness. This will cost me roughly XXXX in additional payments. 
XXXX also handled my loan consolidation after I graduated. They insisted I had to consolidate into XXXX loans not XXXX. Now XXXX, also a Sallie Mae division, says it should have been XXXX but it 's too late now to fix it. That error will cost me another roughly {$6500.00} in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
My mom and myself got a Loan for XXXX University for {$2700.00}, it was hard enough to get accepted for that little of a loan because I was XXXX and went off my parents income and they " made too much ''. That was the only loan we applied for. I transferred to XXXX a semester later and paid completely out of pocket. I then went to beauty school and graduated from XXXX XXXX all out of pocket. We did direct withdrawal for my loan and canceled it when the payments should have ended. Well, Navient kept calling me demanding more money so, I asked them.. how much do I owe?? they said {$8000.00}!!! I go online and sure enough it says I have second loan for {$5500.00} for XXXX. So I demanded my promissory note for that loan and Navient could not provide my note for the XXXX loan but did for my XXXX XXXX. I get on federal student aid and again, no promissory note. So i try and dispute it ... after 6 hours of being thrown in circles they send me to the ombudmans group, who sent me to XXXX, who sent me back to ombudmans. I called XXXX 's financial aid and requested my payments with them and they have no evidence of a loan received for that XXXX amount. In fact my parents saved {$50000.00} for me to go to college and we paid out of pocket and before it was due and every school I went to called me into financial aid to tell me to STOP paying SO much and early because it was messing with their system as they wernt expecting {$10000.00} payments in advance.. I have checked my credit reports on all XXXX major credit reports and it shows my payments I was making towards my XXXX loan was dispersed to both loans, without my knowledge and before payments were even due for the fraudulent XXXX loan. So, I have two issues, I have a fraudulent loan I never received for {$5500.00} and I have payments that I have made that were not applied to the correct loan, resulting in high interest fees and phone calls every day demanding I make a payment and that I can go into forbearance and they are calling collections on me! It has been so stressful, I have been disputing this for 2 months now, nearly every day I have cried.. my parents have fought, my family has cried and cried over money we cant come up with because my parents think im lying and took this loan out.. another issue.. I live in Nebraska and the date of this XXXX loan ... I would have been XXXX XXXX XXXX and needed a parents signature as in the state of Nebraska you 're not an adult until 19 years of age. So again, its wrong! I have paid my student loan off and I never took out a second loan, nor did i receive, nor am i paying for it.. also the interest on my original XXXX loan is ridiculous because i made payments EARLY and on time every month!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
Chase Credit Card Bank, after I had closed my account and paid off any and all outstanding balance, for which they gave me confirmation of receipt of payment, created new debt on that closed account. I was unaware off this till I received a letter of debt collection months later, not in the form of account statement, claiming principal, interest and late fees while they were no longer sending me correspondence nor statements, as the account was closed. They have maintained a rigid and dishonest/abusive posture, at no time did they openly acknowledge the payment I had made to close the account, not honoring the confirmation of receipt of payment number they had issued me. The person handling the case at the executive office, XXXX XXXX, demonstrated a total lack of ethics, of basic honesty and of basic decency in my repeated dealings with her. The only way for this person to answer my requests has always been following my repeated complaints with the CFPB. As the agency has no power to arbitrate, XXXX XXXX has been free to bully me without any sign of human conscience whatsoever into paying the debt illegally created by the credit card department at Chase. 
I have recently requested from her a final statement in order to cut my losses, stop the abuse and dissociate myself from such an institution and such an individual. 
So far my request has remained unsatisfied. 
As I can not fight the case via this agency, and I do n't reside in XXXX, DE to defend my case in person, I hereby reiterate my request for a final statement in order to pay what she/the bank wish to extort from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.

Company response to consumer: Closed with explanation