vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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:
In XXXX XXXX I took out XXXX loans which totaled roughly {$35000.00} from XXXX XXXX so I could attend a XXXX XXXX XXXX XXXX XXXX in California. My interest rates ranged from 4 % up to 14 %. 
When I graduated 10 months later I was making {$11.00} an hour as a XXXX and making monthly payments totaling {$5500.00} in the first year. I struggled to make payments and was hounded by phone calls and letters constantly until I caught up. I was able to pay back over {$16000.00} the three years after I had graduated. 
When I lost my job the payments were too much for me to bear financially so I called XXXX XXXX and spoke to customer service. I was recommended to go into forbearance for lower payments and as far as I was told, forbearance was my best option. 

I tried to get info on how to remove my mom as co signer from my loans because at that point some of my late and missed payments had started to show on mine and my moms credit reports. I was never given any direction on how to do that and I was also told my mothers name would only be removed when my loans were paid off. 
In XXXX XXXX I started a lower {$110.00} a month payment arrangement which lasted for three years. I missed a few payments when my debit card that was in file expired and my loans defaulted in XXXX XXXX. 
I am currently paying {$250.00} a month to Navient plus {$50.00} a month to XXXX. 
My original loan amount was roughly {$35000.00} My current loan balance is roughly {$49000.00} I have paid {$28000.00} towards my student loans. 
Dealing with XXXX XXXX has been the bane of my existence for the last ten years. They use bullying, threats and misinformation to get paid and I truly believe that I am being taken advantage of along with so many other people from my generation who were just trying to get an education so we could get ahead and live the American Dream. Because of my student loans I 've had to put off my dreams of having a family and living in my own. 
I feel hopeless and uncertain that I 'll ever be done with these loans. The total is so large now and I have n't even made a dent in it in TEN YEARS. 
I would so appreciate any information that would help me get in board with this lawsuit against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-15 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:
I unfortunately did not find a good paying job after graduation. As I anticipated having to repay back my loans, XXXXNavient wanted me to repay back a ridiculous monthly payment that I simply could not afford. I would offer a lower payment that I could afford and they would refuse and tell me I could just go on a forbearance and/or deferment. If I had know then that I could do an income based repayment plan rather than accepting the forbearance and/or deferment each time I would not have accrued as much interest over time. I kept telling them I can pay something and they would not accept it. 
They said I could pay whatever I wanted, but I would still be on the deferment and/or forbearance. If only I had more options 10 years ago. 
I went back to school again to try to get a better job and after years of school and accrued interest I wo n't even begin to make a dent in my payment. I luckily am now on an income-based repayment plan just wish I had n't been pushed into forbearance and/or deferment as the only option for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: CA

Complaint narrative:
Bank of America. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Bank of America and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15 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 had XXXX and was out of work for 6 month just recently lost my mother the only offered me a forbearance with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 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: OH

Complaint narrative:
I experienced a problem with my personal bank sending an amount of money, through bill pay, to my Bank of America debit card account. My personal bank said the Bank of America bill pay address was not correct and the check meant for Bank of America was returned to my personal bank and marked undeliverable by the USPS. I called Bank of America to find out if they had changed their address so I could give any new address for Bank of America to my personal bank. I was told, by the Bank of America automated voice that I had to wait THREE HOURS on the phone for a customer associate to help me. OR, Bank of America would call me back in THREE HOURS. This is a ridiculous amount of time for me to wait to speak to a bank that has my money and has loads of its own money. I do n't want them to call me back in three hours. I could be anywhere by then and not in the position to discuss sensitive banking information. That is the nature of this complaint : the amount of time Bank of America says I have to wait for 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 2017-02-01 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: IL

Complaint narrative:
When I graduated from school i could n't find a job for almost 2 years. XXXX XXXX told me to go into forbearance. Next when I did receive a job i started at XXXX a year, and again they steered me towards forbearance vs income based repayment program. This ended up affecting my credit score and credit report. They still have not deleted the reports they made on my credit. Navient will now not answer any questions regarding hidden amounts of money affecting one of my loans. Every time I call I keep getting a customer service rep who is not from the united states and does not understand my questions. I have XXXX loan for XXXX and another loan for XXXX at the same interest rate. the XXXX has interest of about XXXX $ amonth and the XXXX has XXXX $ charges a month. They will not tell me where these increases are coming from and they will not fix the bug or problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17 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: CA

Complaint narrative:
XXXX at Navient told that it will cost XXXX dollars to process my FORBEARANCE PAYMENT on XXXX XXXX, 2015. However, XXXX and her supervisor at Navient said they refused to give me a forbearance despite me being in-school and Navient taking XXXX dollars out of bank account. Navient is trying to ruin my credit and they must be stopped!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19 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: GA

Complaint narrative:
FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My bank of america accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
After deciding to pay for an international wire transfer from my online BofA checking acct. instead of using my debit card in order to avoid a 3 % of total amount per scheduled fee ( about {$200.00} ), I submitted an amount XXXX ( XXXX ) quite aware that the foreign exchange rate the bank used might be less favorable to me than around XXXX {$5700.00} ( via XXXX inquiry at the time ) but was totally shocked with over {$5900.00} and an untimely advice that " Bank of America, N.A., may make money from the foreign currency exchange. '' This figure was n't shown until after a warning in the submission form that the exchange rate ( whatever that was XXXX would only be valid within 10 minutes so I had to hurry up and subject myself to whatever extra charges they could get away with. No international wire fee XXXX {$35.00} XXXX and no exchange rate transparency nor disclosures before submitting the form! Customer beware!

Company public response: Company 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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I attended XXXX school XX/XX/XXXX and was informed my only option was defer my payments until graduation. I then entered a sixth month 'grace ' period, of which I collected so much interest. I assumed this was my only option. Also, i have since signed up for automatic debit for payments XX/XX/XXXX to get a .25 % discount on qualifying interest rates and I was awarded this credit FINALLY XX/XX/XXXX according to my statement. I never received notice that i received the interest rate deduction or any reason why it was so delayed in being applied to my accounts.. ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: CA

Complaint narrative:
I worked as a XXXX for about ten years and I have documented that amount of Public Service to Navient and they denied my request for Forgiveness. Further I graduated with a XXXX in XXXX, then began XXXX. I began paying back my student loans then. That was 20 years ago now. Navient, Life of the loan history, that I will send you if you like, only goes back to beginning of XXXX, so 2 years of history and payments are missing. They gave me credit for 70 payments and have received back to amount in dollars and cents of over XXXX XXXX XXXX, {$22000.00} and that is just about exactly all I borrowed in the first place. Then they are also saying that I have paid them {$5200.00} in interest. But they are still demanding another {$9100.00} plus dollars in principal and interest, with {$3200.00} of Capitalized interest. I think that I have paid both in the fact of working in Public Service, XXXX, and in the fact that I have paid all the amount I ever borrowed. 
The fact they are asking for another {$9100.00}. plus dollars is a 50 % or nearly rate of return on the initial loan. They are making 150 % investment on me and I did the Public Service work. It just is not Right. Please help? I can also send the documentation of my years of service to verify what is written here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For the past 5 years I have been in a foreclosure status with Bank of America. I have returned all of the documents requested. As requested by Bank of America, I have submitted the same documents over and over. I lost my job and got behind in my payments. However, I have been employed for the last 4 years. At XXXX, I went back to college and got my XXXX. I have lived in my home for XXXX years on a 30 year mortgage. I do not want to lose it now. It seems for the past XXXX years Bank of America has been giving me the run-around. It seems they do not want to keep my home on their books. After XXXX years I find this very disturbing. I have been living in fear for 5 years. XXXX. This foreclosure is constantly on my mind!

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 2016-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a notice from a credit monitoring company that a NEW collection account was added to my credit bureau. I looked it up and it was Jefferson Capital Systems. I have contacted them asking for debt validation and have had no response. I DID NOT receive any notice from this company giving me right to validate or dispute this debt. This debt also says it is NEW and was opened in XXXX 2016 but is also in collections. That is impossible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing this complaint against BANK OF AMERICA , N.A . ( hereinafter BOA ) for continually violating the Homeowner bill of rights statute. On XXXX XXXX, 2015 a letter was sent from someone by the name of XXXX XXXX ( XXXX XXXX ). I have a point of contact established pursuant to the statute CCP 2923.7 by the name of XXXX XXXX. I have requested information from my point of contact with no response from XXXX XXXX. I have delivered a letter via XXXX certified mail article number XXXX dated XXXX XXXX, 2015 to XXXX XXXX 's supervisor XXXX XXXX that was received and signed for on XXXX XXXX, 2015. 

There has been another letter dated XXXX XXXX, 2015 sent from XXXX XXXX making more unlawful and illegal threats to me. XXXX XXXX is not my point of contact according to the statute. I have requested XXXX XXXX supervisor XXXX XXXX to be my point of contact accordingly to statute CCP 2923.7 ( d ). I have attempted to call XXXX XXXX on more than one occasion leaving detailed voicemails on her voicemail. There has been no call back from XXXX XXXX or XXXX XXXX to present date. I have uploaded a declaration in support of this complaint. XXXX XXXX and BOA are proving an act to commit deceit, fraud, and concealment of an issue of material fact. Further BOA has sent a letter making a false statement by alleging BOA is satisfying the due diligence statute CCP 2423.5. I have uploaded this document from BOA to prove the false statements BOA is alleging so they can attempt to foreclose on my house they have no rights too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted " after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 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: MI

Complaint narrative:
I obtained a student loan through XXXX XXXX for my XXXX XXXX expense in XXXX. The loan was taken over by Navient student loans in XXXX or XXXX. 
Recently there was a balance of {$50.00} due. Navient Student loans has harassed my phone by calling me Everyday from Sunday-Saturday including holidays from XXXX, every 2 hours or about 6 times a day or 42 times a week and 168 a month nonstop. Navient also call and when voicemail comes on to record the message, they do not leave a message. So, they have called so much as to leave my voicemail full with empty responses and block my ability to receive messages from other persons. 
This is harassment and I am reporting them so this type of practice will stop starting with me. 
These type of phone calls interrupt the general use of my phone, harass me and interrupt my phone use. Navient has other ways of contacting me, they have my addresss and email and have contacted me by email and even went as far as to sent letters to my old address that I have not lived at in 20 years. Currenlty my relative is XXXX in the hospital and my phone needs to be freed up for this and other purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XX/XX/XXXX, I had paid off a Federal Stafford loan made through XXXX XXXX. I lived " debt-free '' and without using any credit for the next few years. Upon moving to a new state and renting a new apartment, I recieved a credit report claiming that I still had {$140.00} outstanding debt against the loan. Surprised, I contacted XXXX XXXX who were n't willing to give me any information about the loan, debt, or payments. 

Later that month, Pioneer Credit Recovery contacted my family ( NOT ME! ) concerning the " outstanding debt ''. I contacted them, asking why no one had made any collection attempts in the last 4 years so we could address the issue. I have asked them for any information concerning the issue and they have n't yet shown any documentation of attempts to collect from XX/XX/XXXX-XX/XX/XXXX. 

Since I have paid the debt already, I am currently in the process of disputing the validity of the debt and complaining that the companies involved did n't make adequate attempts to contact me so that we could have resolved the issue at an earlier date.

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