vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-30 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: OH

Complaint narrative:
I lost my job back in XXXX of 2015 I have been looking for work but I am also a single full time father of XXXX children. I have been paying my bills though they may be late they are all getting paid. Navient who handles my private loans every time I speak to them and I think something is resolved I get a phone call 20 days later and they tell me things are late and payments have not been made. This month I have now spoke to XXXX different people. including XXXX supervisors. XXXX supervisors also gave me XXXX different answers. The XXXX phone representatives gave different answers. I am trying to keep everything from being 30 days over due. I have had XXXX people say they were reapplying payments XXXX of which was a supervisors after I spoke to the first supervisor he assured me things were caught up and handled. Today I spoke to a different supervisor and he tells me my account is past due including an amount from XXXX 2015. When I asked him to pull the phone records he refused at this point I became upset and requested them and said I had to go through court. When I again proceeded to tell him then go back and check the phone records from his previous supervisor he refused and I called him incompetent he hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
While reviewing my credit report, I noticed that a collection has been reported on my file by XXXX. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that XXXX., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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: NY

Complaint narrative:
I am in a five year XXXX at XXXX.I am XXXX through my thesis year. Recently, I am being harassed by my student loan provider ( Navient AKA XXXX XXXX ) to make payments IMMEDIATEY regarding XXXX of my student loans. The amount their asking is XXXX of my monthly income ( before taxes. ) They refuse to adjust the payments, saying that the payments are already " so low. '' I have requested that they apply in-school forbearance and they responded that I should have read the fine print, which says that " in-school is only 48 months. '' Dude, I was n't even legally an adult when I signed those papers. I got no warning over the summer that my payments would due soon, which is the time when I could have saved for or attempted to pick up a second job. I only get calls when they want money. They call every day, even though I am not even thirty days past due. I am actively paying tuition so that I can even graduate in the spring, and paying XXXX XXXX {$100.00} a month. I ca n't do anymore than I am already doing and still expect to get any value out of all this education. The only option that they gave me was to pay a {$100.00} fee to get a one month forbearance. 

I 'm so stuck and frustrated and they wo n't even treat me as a person. It 's like talking to a robot who only sees you as a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been on the Income Based plan for years but my monthly bill continues to rise. I appreciate having the ability to pay less but if you get the slightest raise, they increase your payment! I do n't see how this type of plan will ever help someone like me pay the loans back and be able to live. I have a mortgage, monthly bills, health care, car notes, etc. They do n't seem to care that you have to live! I have tried multiple times to get my payments lower but despite my efforts, they require your taxes every year to make sure you do n't make more money. It is n't fair. The plan should at least allow a XXXX year guarantee of the payments you have before requesting to see your income again. That would be the only way you can ever get ahead! I have always paid and I intend to continue but we need a break and Navient needs to work with us to help make it easier to pay the loans back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: UT

Complaint narrative:
I was charged capitalized interest for being 3 weeks late verifying my income. I received just a standard " New document ready to view! '' XX/XX/XXXX. This is well before the renewal date and in no way indicated in the email any action was required on my part. 

I only went and checked verify because I was concerned I had n't received notification it was time for me to do so. While I was able to verify and lower my payment back to IBR levels I took an almost {$4000.00} hit on capitalized interest. 

This process is incredibly deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: CO

Complaint narrative:
I feel we we 're mislead with the forbearance. The interest that accrued over the course of forbearance is close to {$20000.00} in 5 years. The original loan was {$58000.00}. We did not fully understand this process. During this time, we went through a bankruptcy. This is our daughter 's student loan taken out as a parent loan. We also did not realize she was not on the loan at all as the plan was for her to pay her loan. She worked in low income schools as a XXXX and was not able to get the loan discounted as it was in our names only. We would have done the original loan as a cosigner if we had been offered that option. Our complai n't is with the servicer both XXXX and Navient. The school attended was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: PA

Complaint narrative:
Navient re-amortizes my loan every quarter so they can keep making money from interest. When my loan started, it had payments around {$100.00} per month. I have been making separate individual extra payments and as a result my auto-debits got down to about {$30.00} a month. This should be illegal as they recalculate the payment based on amount and time remaining on the loan for the purpose to keep my loan alive as long as possible to make as much money from interest as they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: NE

Complaint narrative:
Payments are not allocated properly ; i.e. to the principal on the highest interest loan first.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 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:
I have researched my records and I am showing my last payment was over 7 years ago and this should no longer be reporting on my credit. It appears they are using a close date and not a last payment date. I am requesting a copy of the last payment ( XXXX XXXX ) they have record of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words " and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Bank of America be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I had traveled to XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made online payment of XXXX on account balance of XXXX and requested a statement sent to me by email so I can check balance. My account was blocked disallowing me online access after the request, I could n't access online account or reach BoA by the either the toll free numbers from XXXX. 

Late payment was due to my inability to go online to pay on the account. BoA blocked the account access because they thought it was online fraud since I was using foreign network XXXX XXXX to access my account. I had tried to resolve this issue since my return with BoA, unfortunately the representative I spoke with did n't want to hear the effort I had taken to pay on the account balance. I have since paid XXXX original balance ; and have written to BoA to either waived or reduce the late and finance charges of XXXX. I also visited a local BoA office to see if they can help ; unfortunately I was told to deal with their collection agency. 

As of this writing no response from BoA on my petition. I have been a loyal customer since XX/XX/XXXX, I have paid on my account on time, this situation was very unfortunate, and was out of my control. This had affected my credit score created derogatory and negative information on my outstanding credit with all XXXX credit rating agencies. 

I would like your good office to assist me in resolving this issue with BoA to restore my credit score, because it was my very intent to pay on my account during my long absence that was the very reason why I requested for statement be sent by email since I know I will not be around the view my mailed statement. I have never informed any my credit card companies when I travel to foreign countries before. So I did n't know if I had to inform BoA of my trip to XXXX for that matter.

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 2015-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently opened a checking account with Bank of America. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Bank of America replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My brother and I applied for a home mortgage as first time buyers wit BOA this year. We intended to put 20 % down for a home costing {$150000.00}. Our combined salaries are $ XXXX. We were declined based on my bother not having enough trade accounts and because my debt to credit ratio was too high. Here is where the incompetence becomes egregious. BOA did not include any of the credit accounts my brother indeed possessed on the loan application, so it appears as he had no credit history and the credit card omitted was a BOA card ( and the other was a cell phone bill, both having more than the year of required payment histories )! For me, I told both the mortgage officer and his immediate supervisor that all of my credit cards were paid done to reflect 25 % of the total credit for each which cost me about {$9000.00}. I paid the cards on Monday. Yet, BOA then went ahead and pulled my credit report again on Tuesday, then declined the loan on Wednesday and said there was no change in my credit debt ratios and that my report only showed a {$24.00} reduction in balances. Even a security guard at BOA knows that credit reports are not updated so quickly as to reflect payments made on accounts in a day. I was also charged the {$450.00} for the home appraisal to be done. When I asked the mortgage officer about this he told me that there was no way I could have been charged when the appraisal had not taken place. I sent him a copy of the charge and got no response from him until he sent the e-mail informing us of the loan denial. I was also able to log into the BOA mortgage section and noticed that many of the documents that we submitted had not been uploaded into the system as if they had no record of our submissions just before the denial It seems to me that if BOA was interested in financing the loan they would have advised us to push back the closing date and allow time for the payments on my credit cards to be updated on my credit report and actually included my brother 's trade accounts on the application. The e-mail informing is we were declined came almost 2 weeks after repeatedly contacting our officer to ask for a status update and two weeks before the closing date. The whole experience has made us reevaluate our relationships with the bank and made us grateful that we did not enter into a 30-year relationship with a bank that has shown an extraordinary lack of competent business practices and professionalism.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-14 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: WI

Complaint narrative:
I am being contacted by a company called Navient that has refused to validate the debt but is pursuing collections. I do not recognize the debt. I have sent two letters for validation and each time Navient has refused, stating I am not the legal party. I have included all legal information required for validation including name and supposed account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-02 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: TX

Complaint narrative:
XX/XX/XXXX, I submitted a complaint to CFPB about the overdraft fees that had been applied to my account. The fees were excessive and I was very dissatisfied with the fact that I was often getting charged {$35.00} for payment of small items or where the overdraft was less than {$35.00}. I am again recording a complaint about the practice for XX/XX/XXXX. During the year, I was charged overdrafts for either ( i ) processing items that were in an amount far less than {$35.00}, ( ii ) where the associated overdraft was less than {$35.00}. In there was one instance where I was charged for an overdraft of {$17.00} or ( iii ) charged multiple times where the processing sequence of items was completed such that the largest item was processed first and then each smaller item would generate a fee. I would like to get Bank of America to improve its policies to help more and so I am requesting that my account be reviewed.

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 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The account is over the Statutes of Limitations and I have a bad credit because of this account. It is with XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016 I made a payment of {$2400.00} to Bank of America for my AAA Visa card not realizing that I was signed up for auto pay, so on XXXX XXXX, 2016 the auto payment of {$2400.00} was posted again. I received a statement from Bank of America showing that I had a credit of {$1300.00} ( copy enclosed ). ( in the mean time AAA switch banks and as of XXXX XXXX, no longer have a credit card with Bank of America ) so I called Bank of America on XXXX XXXX, and asked that the credit amount be transferred back to my bank account, I was told that it would take 3 to 5 days for it to post. On XXXX XXXX, I received a letter from Bank of America dated XXXX XXXX stating that as I requested they had transferred {$1300.00} back into my account. 
On XXXX XXXX, I checked my bank account I the transfer had not posted, I then called Bank of America and told them, the person that answer the phone told me that sometime those transfer take up to 10 days. I called back later to ask why would a electronic transfer made on the XXXX, take 10 day to post. This time I Talked to a rep named XXXX after I explained my problem she said the only thing she could do was to file a complain ( no:XXXX ) she gave me a phone number and told me to call the next day to see what they had found. On XXXX XXXX after checking by bank account and finding that the refund had not yet posted I called Bank of America again this time I talked to XXXX who after going thru the whole story again talked to her supervisor who told her that the problem was that as of XXXX XXXX they had no access to my account and that I should call the new bank because they now have my information, this puzzled me but I went ahead and called the new bank ( XXXX I do n't have any other info on the new bank because I have not yet received an statement from them ) they told me that they do not have any info on my account as of XXXX XXXX. Still puzzled as to why the new bank would have anything to do with my overpayment that was made to Bank of America I called back this time I talked to a rep named XXXX, she told me that I had to wait 30 days for the refund to post on my account she did not say anything about not being able to access my account, I questioned why a wire transfer would take 30 days and all she could say that that was the way it was. 
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money back.

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