vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-24 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: MA

Complaint narrative:
I contacted Navient regarding XXXX private loans on XXXX XXXX, 2015, I called in to the Navient customer service line and was advised by representative XXXX that I was eligible for revaluation of my monthly loan payment amount, due to recent change in income due to health related events. She advised me to call back in on XXXX XXXX, 2015, after my payment due date of XXXX XXXX, 2015 and request a revaluation of finances in order to decrease my monthly payment amount. She also offered to give me a call on the XXXX XXXX, 2015 at XXXX in order to assist me with the revaluation of finances. 

When I did not receive a call from this representative on XXXX XXXX, 2015 at XXXX, I called in and spoke with representatives XXXX and XXXX. They XXXX explained that I was misinformed by representative XXXX and that I was not eligible for loan payment recalculation and any that any possible payment that I make, below the past due amount for the month of XXXX, would not bring my account back to current status. 

I have since contacted the Navient advocate department via phone on XXXX XXXX, and requested that my call with representative XXXX be reviewed and revaluation of finances be granted do to the misinformation I was provided. Presently my XXXX private loans reflect past due because of this. 

XXXX contacted me late in the afternoon ( XXXX -- she leaves for the day at XXXX, this left me little to no time to return her call ) on XXXX XXXX during my scheduled work hours, I was unable to take her call. She left a message providing me with her extension XXXX, however I have attempted to contact her several times and she remains unavailable, with no option to leave a voice mail message. 

I have sent XXXX several direct e-mails, requesting that she contact me via e-mail as to avoid further miscalled and miscommunication. I have received no response from her, and my account continues to reflect past due amount, putting me in danger of being removed from the payment program, and ultimately affecting my credit score. 

I would greatly appreciate your assistance with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XXXX XXXX I had a payment due on my Chase credit card. I went online at approximately XXXX CST to make this payment and completed the payment around XXXX that evening. After my statement was cut I noticed that I had received a late fee on my account and the payment that I processed at XXXX on XXXX did not go through until XXXX. I was unware of the cut-off policy that Chase has that payments processed after XXXX EST are processed and dated for the next business day. I then later found out that if you call customer service and process a payment over the phone they can date the payment for the same date until midnight the same day. Because of the lack of information given and available to me the customer service rep that I spoke with on XXXX stated that he would be reversing the late fee assessed to my account since I was late by & lt ; an hour and if I had know about the payment policy I could have easily avoided this situation. 

I have since messaged Chase numerous times following up on this fee reversal and they claim that they do not have a record of my call on XXXX and will not reverse the fee. I am very disappointed given the circumstances and the commitment by the customer service rep that the fee for this " late '' payment is still outstanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: MN

Complaint narrative:
I 've been paying Navient for 11 years, on a {$2600.00} student loan. Every month, I pay a minimum of {$48.00}, totaling {$4600.00} and a total of 100 payments. Please help me, I still owe over half of the original balance. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: WI

Complaint narrative:
Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a letter in the mail stating I had a ticket that I owed money for. When I called to find out what they were talking abut they said it was for a speeding ticket in Illinois in 1999. I was nowhere near there at that time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: MA

Complaint narrative:
Back in XX/XX/XXXX I had XXXX XXXX dollars in Debt for students loans. I 've been making small payments to them each month since then up to XX/XX/XXXX. Now my balance shows XXXX XXXX dollars. Its extreme painful to keep seeing this loan going up instead of down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Predatory lending complaint against Bank of America.The bank has refused to refinance my loan stating I do not make enough income for this loan. 
The bank has refused to offer any program of assistance on this loan stating I make too much money and can afford this loan. 
The bank 's current loan has a monthly payment with will increase by approximately XXXX per year. The bank will apply extra fees and charges due to my inability to stay current on this new and unmanageable payment.

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 2016-11-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Bank of America called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Bank of America received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. 
Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated

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 2016-12-08 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: MD

Complaint narrative:
XXXX issued a consent to Disbursement of Funds to the Bank of American legal department on XX/XX/2016 at XXXX. All XXXX of our Bank Accounts with Bank of America are currently frozen. To date, Bank of America claims that they have not received anything from XXXX company, and to date, all XXXX of our Bank XXXX remain frozen. After speaking with the Agent for the Plaintiff, XXXX several times today, he faxed to me the signed XXXX order ( which was signed by my husband on XXXX XXXX, 2016 ) along with the confirmation that it was sent. For 7 days our account has been frozen. All of our paychecks, and other monies are unavailable to us, leaving us without money for food, gas, or the ability to provide for our XXXX for XXXX. Because of BOA 's refusal to resolve this matter in a timely fashion, it has cause undue hardship on my family and crippled us both financially and emotionally at a time when we should be celebrating this joyous holiday. We are unable to pay anything and have to borrow money just to keep our heads above water. Please help us resolve this issue. This is the second time BOA has frozen our accounts. The first time they had our accounts frozen for XXXX hours with no explanation or apology. Please help! We are in a dire situation.

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 2016-01-06 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Bank of America applied only {$500.00} to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocating any of my payments to that higher APR.

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

Complaint narrative:
I overpaid the FHA MIP, and I am having a hard time getting the amount of money I overpaid refunded to me.

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 2016-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Navient is my student loan servicer. They have not provided an explanation of why my interest payments vary so wildly from month to month. They do not provide monthly statements that allow you to track payments, and where your funds are applied.They do not provide a telephone number to speak with a representative with a reasonable wait time ( & lt ; 10 minutes ). They do not provide useful answers to my questions via emails. They do not let you show a record of the emails you have sent them, they just disappear and you have no proof of what you contacted them about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened a bar in XXXX NC which was owned and operated by XXXX XXXX XXXX. The company bank account was with Banks of America as was my personal account. I took out a credit card with the bank for the company which was to cover any unauthorized overdraft facility with the companies bank account. 
The bar failed and the credit card had some {$3000.00} outstanding on it which the company could not pay. 
Bank of America accessed my personal account and deducted {$500.00} from it to set off against the credit card debt of the company. I have repeatedly advised the bank that I did not recall giving or signing any personal guarantee for the company credit card debt and asked the bank to forward to me a copy of the signed guarantee. 
This request has been put in writing on XXXX occasions over the past year yet the bank have to date not provided a copy. I have therefore requested repeatedly the return of my {$500.00} taken from my personal account and the bank have simply ignored me. I also asked them who I needed to contact to get this matter adjudicated and they did not respond. 

as I do not recall signing a personal guarantee for the company credit card and the bank are unable to provide me with a copy of that document I seek to recover my {$500.00}

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 2016-12-13 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: IL

Complaint narrative:
Navient called my mother in law 's phone number about my student loan debt when she is located in Hawaii and it was XXXX there and when I told the loan provider not to call again, she ( XXXX XXXX XXXX ) informed me that she had " called a lot of numbers that day looking for '' me. I told her she broke the Fair Debt Collection Practices Act as she had called a number in Hawaii and she told me that she had not as my loan is past due. She also informed me at the end of the call- which did not end well- that she will continue to call even though I told her not to call anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
In XXXX I completed my XXXX XXXX XXXX and in XXXX I completed my XXXX XXXX XXXX from XXXX University. In XXXX my husband and I were forced to file bankruptcy due to insurmountable amount of medical bills. 

Since this time, I have been diagnosed with an XXXX which has also caused several other sometimes XXXX conditions. Since XXXX I have had eight XXXX. 

It is very much a hardship on me to maintain daily living expenses, care for a family which consist of my husband and our XXXX year old son, pay medical bills and pay over XXXX XXXX XXXX ( {$400.00} ) a month in student loans. 

Navient has called my father, ( co-signer for private loan ) and I several times with what seems like no understanding, demanding a payment be made. In XXXX XXXX my Grandmother was in the XXXX in XXXX, Georgia. My father received a call from a Navient representative, he explained the situation with my Grandmother and they were persistent in wanting more details about which form of payment he would be using and when a payment could be made. My Father hung up the phone due to the attitude and demanding payment information. My Grandmother passed away the next day due to a XXXX. 

Please consider this very challenging hardship. 

Thank-you for your time and consideration. Should you have any further questions or need any additional information, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America refuse to offer me the {$1000.00} sign on promotion of my business checking account. 

On XXXX XXXX, XXXX, I opened my business checking account XXXX in their branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The business banker, XXXX XXXX, applied the {$1000.00} promotion ( open business checking plus business credit card ) on my account and applied business credit card for me. XXXX XXXX told me that opening the business checking account and the business credit card account will qualify me for the {$1000.00} promotion. Usually the promotion will show up in my bank account about 5 months. 

I have not got my {$1000.00} promotion till now. Bank of America told me that my promotion was denied because I did not complete the spending requirement of my business credit card. The banker, XXXX XXXX, never told me this requirement. I sent her several emails, ask for explanation. She never reply my email. I went to her branch several times, she avoided to meet me. I got her cell phone number in her branch. I called her several times and left her several voice message. She never get back to me. 

I called the Bank of America Customer Service center for help on XXXX XXXX, XXXX. One supervisor told me the only thing they can do is forward this to the local branch manager. I should get a telephone call from the local branch manager in 2 days for a solution. 2 days later, no one called me. I called the Bank of America Customer Service center for explanation. They told me the local branch manager need 2 more days to handle this. I should get a telephone call in the next 2 days. By till now, I did not get any telephone call yet. 

I am a loyal customer of Bank of America for more than 10 years now. I have several personal accounts and XXXX brokerage accounts with them for many years. I keep more than {$15000.00} in my business checking account and did many transactions. Now they play games with me, refuse to give me the {$1000.00} promotion and I can not get the explanation from the local banker. 

I am very angry and want to file a complaint. 

I want Bank of America offer me the {$1000.00} sign on bonus for my business checking account.

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 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i have opened credit line with BOA since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt report.

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