vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Bank of America initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Bank of America does n't believe me, and I want to prove that it was n't 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 2017-03-26 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: NY

Complaint narrative:
Navient maliciously does not allow you to pay off higher interest loans, even after bringing it to their attention. I called customer service after trying to pay off a 6.5 % loan and the customer service rep said " let me log into your account, it should allow us to choose which loan you would like to pay off. '' After he logged in he found the EXACT same thing as me, it automatically applies the payment to the lowest interest rate loan. All he could say to me was " that is really weird, it wont let me either but it should. Give me 24 hours XXXX and we will have it rectified. '' Well, I gave them more than a week and the website still does not allow you to choose which loans you want to pay off. With XXXX Americans in default you would think the US Govt would want people like myself trying to pay off their debt EARLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 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: CT

Complaint narrative:
Hi, A little over a month ago my father passed away unexpectedly. He was the co-signer of a couple of my student loans that I have with Navient. I havent missed a payment on any of my loans in 3-4 years at this point. I got a call yesterday from Navient alerting me that one of my loans that was co-signed by my father was referred to XXXX XXXX and that they were responsible for collecting the $ XXXX balance that was left. I talked to the woman that called from Navient and got the account information from her, logged onto my account and compared the information to what she was telling me. Come to find out that this loan she spoke of, was co-signed by my father and mother. This was after the lady on the phone was trying to tell me that I needed to apply with my mother as a co-signer or this loan could default if I didnt take action. My mother was already on there as a co-signer!!! They referred this loan to a debt collector when nothing was wrong!! My father passed away, but my mother is still around, and she is on the loan already. This has caused so much XXXX to my mother and I during this already tough situation. She has been dealing with an estate lawyer, and having to go to probate court, and now this unnecessary burden on top of things? This is completely uncalled for, and something that should not have happened. I am at risk of hurting my credit score for something completely out of my control. Something needs to be done about their terrible and unethical handling of this situation. This is out of control!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 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: MO

Complaint narrative:
XXXX sent a payment to Navient of {$120000.00} and they wo n't respond to e-mails or post to my account. I 've never been late on any payments. I believe they are holding to collect interest each day they do n't post.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: CA

Complaint narrative:
I am an XXXX XXXX XXXX enrolled in the XXXX Student Loan Repayment Program. During my eight years of education I incurred a loan debt burden of about {$200000.00}, divided into dozens of smaller loans ( XXXX, XXXX, consolidation, etc. ) and spread among XXXX lenders, with interest rates ranging from 2-7 %. 

I have XXXX student loans that are currently owned by Navient. XXXX of these are at a 6.8 % rate, XXXX at 2.3 %. When the XXXX sends a lump sum payment each year, Navient distributes that payment evenly over all XXXX loans, even though some carry a high interest rate and some carry a low XXXX. When I request to have them apply this payment only to the higher interest loans, I am told that they can not because the XXXX will not allow them to. When I informed the representative that the XXXX has no such regulation, I was informed that this is " guidance from the XXXX. '' While this seems like a trivial complaint, it will cost me ( and the XXXX ) thousands of dollars over the life of my loans. 

Last year I filed this complaint with the XXXX. Navient acquiesced to my request to redistribute my payments after being contacted by the Ombudsman 's office, but they reversed the changes after an " internal audit '' a few months later, after the complaint had been resolved.

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

Complaint narrative:
The repayment options offered by Navient that are for those who ca n't afford standard payments do not factor in all life expenses. I am married, both my wife and I have high student debt consolidated through Navient. We have XXXX children, XXXX in XXXX school, XXXX in day care. We both work full time, have a townhouse, XXXX cars for traveling to work and transporting the kids, and have multiple household expenses. When applying for different repayment options through Navient they sometimes cost more then the standard or close to it because Navient does not account for all the other expenses that we have as a family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: FL

Complaint narrative:
My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.

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 2017-01-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I applied and received a Bank of America credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Bank of America but they were unwilling to reverse the changes that they made.

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 2017-01-20 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: GA

Complaint narrative:
I refinanced my loan in XXXX and my interest rate and payment was reduced to {$45.00} per month with payments automatically deducted from my checking account. I received notice that Navient was now servicing my loans and that I needed to setup an account online. In XXXX, my payment frequency changed from monthly to every other month with a payment of {$100.00}. In XXXX, my payment frequency changed to monthly with a payment of $ XXXX/month. I was declared XXXX in XXXX and began a claim for Social Security XXXX. I have not had an income in two years and I 'm completely dependent on my spouse and my mother makes my loan payments. I called Navient to inquire about assistance with my loan with regard to my lack of income and I was told my only option was forebarence. I was uncomfortable with that option so I have been struggling with my payments.

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: OH

Complaint narrative:
Currently you have a lawsuit with Navient and XXXX XXXX and did n't know who to contact about my same issue with the company? I have taken loans from XXXX XXXX and they transferred them to Navient. I am currently in a forbearance program and racking up interest. I did n't know if we were part of the law suit or what direction should I take to get some relief? Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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: FL

Complaint narrative:
Hello. I am concerned about the recent allegations against Navient and would like my student loans to be verified. My monthly payments are increasing and Navient has not been very accommodating with a repayment plan. Unfortunately, with the income base repayment plan, Navient does not take into consideration other financial responsibilities of the borrower. I have explained and provided evidence that I am the only employed adult in my household with the responsibility of paying all household bills and daycare for my XXXX children. My husband is unemployed. I can not afford a monthly payment of over {$1000.00} a month in student loans alone. In the case that they can not be verified I would like to request that the loans be removed from my credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: PA

Complaint narrative:
We are finishing up putting XXXX of our children through college- all with multiple loans which we cosigned for and some have now released us as cosigners. It is an impossible task to not get financial aid and to do this without loans! Our children have been good about paying them and when fallen behind- we help if possible, Since I had a XXXX last year, I ca n't keep helping and our son XXXX has had some work decreases this year due to Obama 's ridiculous energy rules and he got behind on two payments that we cosigned for. We have been on these loans for 7 years- now our credit score dropped XXXX points yesterday due to Navient refusing to remove us from this loan and our son is so discouraged because he can never get ahead between the late fees and interest payments he then has to catch up on. This is a brutal process and leads one to just walk away from responsibility when they ca n't and wo n't cut any slack! HELP!!!!! None of us can do this anymore and we should be removed from these loans NOW- we ca n't keep getting upset - we paid these loans for a long enough time when he needed it but since this stroke- it is the cause of constant upset and turmoil which is only adding to my XXXX health. Please get them to help our son see the light of day and get our name removed from these Navient loans so my credit score stops dropping due to these ridiculous people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of 2010 my wife and I had an appointment with Bank Of America to work out a acceptable mortgage plan to make our mortgage more affordable. I was working on XXXX that day. I was tasked to pick up a vehicle at XXXX. XXXX airport, pick up a drive, whom would then pick up a bus. Then we would return the bus to XXXX XXXX XXXX XXXX in XXXX. There shpuld have been plenty of time to d this and get back to home base at XXXX XXXX XXXX That is and hour from my house in XXXX XXXX On the trip tp XXXX XXXX XXXX XXXX from XXXX XXXX , the bus broke down on XXXX XXXX in XXXX XXXX By the time tow truck got to us, we returned to XXXX XXXX XXXX , and parked the other vehicle, and then drove the hour home, I had missed the XX/XX/XXXX. meeting with the Bank Of America financial representative XXXX My wife attempted to call ahead of the meeting time, explain what happened to me, and rescheduale. They, Bank of America, flat out refused to rescheduale the meeting. Since that day we were treated like criminals. Now we have had to short sale out home, can not find a place to live. We have two months before we have to move out. Bank of America sold our mortgage to XXXX XXXX XXXX Bank. XXXX XXXX XXXX started off treating us the same way as Bank Of America, probably to do notes By XXXX XXXX from the XXXX. XXXX. office.We had our rights violated by not getting another meeting to work out the financial issues. Because of this we were not able to qualify for a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Other financial service — Check cashing
Issue: Unexpected/Other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear CFPB, I contacted Bank of America to close out my health savings account on XXXX XXXX, 2015. Bank of America advised me that the account would be closed and I would receive a refund check for the funds that were in the account. I received a check from BOA in the amount of {$570.00}. On XXXX XXXX, 2015 I deposited the check BOA owed me to my XXXX bank account. On XXXX XXXX, 2015 to my horrific surprise BOA reversed the check causing my bank account to be overdrafed and causing financial harm. I contacted BOA directly to find out why they took my money on XXXX XXXX and the response I received was, " We are sorry the check was reversed, we have been advised by other consumers of the same issue and we are working to escalate to find out why this happened and will contact you the latest Friday XXXX XXXX. '' Not only was BOA not helpful, they did n't not return my funds. Due to their incompetence, I now have to pay a reverse checking fee and overdraft fee. This is unacceptable and unethical what BOA has done to me. I am a hard working single woman who should not be penalized due to BOA terrible mistake. The worst thing about the entire situation is that they could not tell me why they took my money they owe me. I hereby demand that the {$570.00} be returned to my account immediately along with the {$22.00} for reverse check and overdraft fee I now have to pay. BOA has not only violated UDAAP laws, they have also caused stress and financial issues on my part for what they did.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I lost my credit card I went online as soon as i realized, which was late in the evening, reported it lost and requested a replacement card. I called and reported XXXX transactions as fraud XXXX for {$50.00} & XXXX for {$75.00}. I was advised I 'd get a call back to the number on my account. That was over a month ago im still waiting for the call. So i ordered statement copies, like I 've done in the past, I reviewed my account two days later to see a fee for {$100.00} for statement copies. I canceled the order and asked for a credit i got confirmation it was canceled but i was not issued a credit for the fee. Which i was only advised that there may be a fee in a message AFTER i submitted the order.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have tried numerous times to get my student loan payment lowered to an affordable monthly amount based on my income. Navient has denied any affordable price and only gives me outrages quotes I can not afford. When i told them I ca n't afford to pay they told me my credit can go bad and this will affect me. I asked them if they can garnish my wages and she said possibly which at that point i felt trapped. They said go ahead and pay the amount you are able to contribute each month but you will still be in bad standing as long as you are not paying the amount Navient is requesting. I asked what is the point of paying if i will still be in bad standing. I do not know how else to go about getting affordable payments as I already have other debts owed to the state and ca n't afford to pay what they ask of me. They call from multiple random numbers now harassing me to pay what i can not afford. It is impossible to avoid them as they call from different numbers every time they call.

Company response to consumer: Closed with explanation