vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I use my annual bonus from my employer as well as my tax returns to prepay a large portion of my student loans ' annual obligation. This allows me to continue to continue to prepay a smaller amount each month so I can stay ahead of the annual obligation. 
Navient 's ( my servicer ) interface, I believe, is intentionally designed to obscure the next date that a payment is actually due. For example, I used a large bonus to prepay {$30000.00} on my private loan, pushing my next due date out to some time in XXXX, but the payment due date still reads XXXX/XXXX/XXXX ( today! ). 
To figure out when my next payment is ACTUALLY due, I have to call Navient. I believe this is intentionally done to confuse customers and extract more payments, for fear of falling behind. 

- XXXX XXXX

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: TX

Complaint narrative:
The company on more than one occasion refused to answer questions regarding the student loans that I had with them. This lack of information and the directives that they did provide resulted in my loans going into default. Once in default they refused to work within me and even tho I continued to mail payments they were not applied to my account. I was then thrown into exorbitant payments drawn off the top of my bi weekly paycheck through my employer. It barely leaves me enough money to get by with which then caused me to not be able to make my mortgage payment and I lost my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 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:
This Complaint is made against XXXX XXXX and XXXX Bank Of America. 
1. I make a consumer complaint with the Illinois XXXX XXXX XXXX against XXXX XXXX XXXX and Bank Of America for engaging in violation of the Illinois Consumer Fraud & Deceptive Act. 
2. XXXX XXXX in retaliation had XXXX XXXX 's Bank of America accounts closed and XXXX 's XXXX Credit Card account XXXX XXXX XXXX XXXX which was in good standing and paided on time as agreed, I was never late paying on a credit card payment the entire time the Credit Card was issued. 
I also was advised that My checking account will be closed by Bank of America before XXXX XXXX, 2016. 
XXXX XXXX XXXX and Bank of America has engaged in retaliation for making a complaint with the Illinois XXXX office as a XXXX Senior Citizen, by closing out my Checking and Credit Card accounts.

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Two loans through Navient doubled due to accrued interest. Went from XXXX to XXXX. I 've asked for a lower payment, but I do n't meet the income continent plans. They do n't take into account other students loans, house payment, car payment, etc. They are rude, unwilling to help, and should be held accountable for misleading practices concerning accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19 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:
Navient illegally placed a returned payment towards my student loan account stating that there was insufficient funds in my checking account on XXXX XXXX, 2015. After contacting my bank, my financial institution verified that there was no XXXX transaction placed in the amount of {$250.00} towards my checking account from Navient. And now, I am receiving harassing calls stating that I have not made a valid payment towrd my student loan account. In which the the payment was made on XXXX XXXX, 2015, via the Navient online payment site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: NE

Complaint narrative:
Have never been offered any low repayment plans or anything like that or an income-based driven payment plan I 'm always in forbearance and delinquent I can not pay my loans back due to financial reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 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: MI

Complaint narrative:
I have student loans through Navient ( formerly through XXXX XXXX ). I have consistently submitted paperwork for income based repayment before the due date. They have not responded in a timely manner ( sometimes 2-4 months after paperwork is submitted ) so I have huge late payments and fees that are added onto my loans. This last time I submitted income based repayment application, it was submitted well before the due date and I spoke with a representative to get exactly what proof would be accepted. After the previous IBRP expired, I was informed the paperwork was illegible. I finally was able to contact a representative who told me that the proof was fine, it just needed to be signed by my husband because it 's his income. Because of their poor customer service and innaccurate responses, I 'm charged late fees and have more money being added to my loans. When I graduated in 2006, my loan balance was approximately {$46000.00}. It is now nearly {$60000.00}.

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: FL

Complaint narrative:
I attended, XXXX XXXX XXXX XXXX Florida 8 years ago school and was over charged for XXXX different type of over XXXX dollars in loans that I did n't use for the whole program. The school stated a check will be sent back to me was never receive. It is 2017 and still nothing received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We settled a short sale agreement with Bank of America Home loan on both first and second mortgage and sold our home on XXXX/XXXX/XXXX through escrow and the title company wired funds to BAnk of America and paid off the XXXX loans. 
However Bank of America turned around and sold the second mortgage, which we had paid off back in XXXX to XXXX in XXXX and we got collection notice in XXXX from XXXX. We 've called and submitted closing & pay-off statement/documentation on both loans from XXXX XXXX XXXX XXXX to both financial institutions to get this resolved and filed official complaints. But we were either got ignored or told that it was not their problem. XXXX is sending us collection letters and negatively reporting us to the credit bureau on a mortgage that we paid and satisfied and it should not even be existed. 
Our credits were ruined badly and we are deeply distressed by this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16 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: NJ

Complaint narrative:
As a XXXX, to went to XXXX school back in XXXX and finally finished in XXXX as I worked to support my family and take care of a elderly and sick parent. During that time, we took out loans for XXXX University. We needed to student loans so I could keep going to school while raising a family, trying to pay a mortgage, and caring for my dad. During those years, my ex-wife was in charge of the finances and she made payments. In XXXX, she began a divorce process which ended in XXXX. During that time, I took over the finances and looked at the loan balances an discovered we had hardly paid down anything. I asked for the payment history from the loan server and XXXX ( agency that I think issued the loans ) and my ex-wife had been making payment. When I looked at old bills and inquired with the bank, they said that only minimal payments were being made. However, when you looked at the bills the minimum payment was in larger print. It appeared to be the payment that was required to pay down the loan. Almost 24 years later, I am still paying down this loan which is at 8 % and have barely made a dent in it. Meanwhile, I have increased the payments but I can only increase them so much as a teacher, single parent, who is also helping his adult children get through college. I feel like i will be paying this loan forever. When I was in the middle of the divorce in XXXX and the housing market collapsed I had to file for bankruptcy. I asked for some forgiveness of the loan but was denied. Meanwhile, I had to borrow money from friends to survive and interest kept accumulating on these loans. I think this is all very unfair. I will be XXXX by the time this loan is finally paid off, assuming my health stays in tact and I can keep working full time as a teacher. Meanwhile, my hands are tied in trying to help me kids and they are also getting mired in student loans. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
We have been solicited by our current servicer, JP Morgan Chase for a HARP refinance. The loan is owned by XXXX XXXX ( XXXX ). Last year and again this year, we submitted our application over the phone and supplied Chase with all documents as requested. We have a HELOC with XXXX Bank, and understand that loan would need to be subordinated. In XXXX, Chase denied our loan stating that XXXX did not respond to their request for subordation. According to XXXX, Chase ( via their title company, XXXX XXXX ) never contacted XXXX Bank. At that time, we were offered a standard refinance at a higher interest rate and significant out-of-pocket closing costs, including an appraisal, title search, etc. In XXXX XXXX, after numerous solicitations, we applied a second time for a HARP refi, and were assured that the issues that occurred previously would not happen again. The last communication we received from Chase was on XXXX/XXXX/XXXX, via secured email in response to my email requesting an update on the process. In that email, XXXX XXXX at Chase Bank indicated that he just received request from his processor that XXXX was requesting income verification and a copy of our Hazard Insurance XXXX. We supplied all of these documents on XXXX/XXXX/XXXX. Since then, again, we were notified by Chase over the telephone that our refinance loan was withdrawn because XXXX was requesting documentation that Chase could not or would not provide. We contacted XXXX directly and were told that they requested from Chase, through XXXX, either income verification and an appraisal OR a written request from us as borrowers to reduce our Line of Credit limit to equal the current outstanding principal balance. We agreed to those terms, notified both XXXX Bank, Chase and XXXX XXXX of our intentions and received an email back from XXXX indicating that the " title order was cancelled ''. We have had no further communication from Chase either via US mail or electronically, that there were any issues or concerns with our loan application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: MI

Complaint narrative:
I am on an income based repayment plan. It seems within the last year my loans have skyrocketed $ XXXX making my total debt $ XXXX. After checking my credit report on XXXX/XXXX/2017 the loan balance has went up by roughly {$500.00}. The interest on my loans are absolutely absurd and it makes it impossible to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am with Bank of America now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have an account that twice in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Bank of America ) with Bank of America via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Bank of America has misplaced my Income Tax Refund. I have encountered several rude and disinterested Bank of America Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Bank of America can do about it and that I need to contact the IRS. Other representatives of Bank of America just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Bank of America still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Bank of America seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Bank of America for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Bank of America but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Bank of America has proved that they could care less.

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 2016-09-11 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: MD

Complaint narrative:
Navient has been harassing and threatening me and my parents over the past few years. They call up to 10 times a day, sometimes not telling us who they are, and often call repeatedly during the weekends. I sent Navient a cease and desist letter, and received a response from their Ombudsman 's office that all phone communication would stop ( this was done in XX/XX/XXXX ), but today my parents reported to me that they are still calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I need someone to address this issue expeditiously : Two years ago the XXXX turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the XXXX XXXX XXXX. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the XXXX that my XXXX XXXX XXXX XXXX was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop and Decease Letter ASAP these people are misrepresenting the XXXX XXXX XXXX which is a Federal Agency. Pioneer Credit Recovery Needs to Be Stopped By the Government for Misrepresentation of Government Loan Accounts. 

On last Friday ( XXXX ) my job gave me some papers that will be giving a XXXX Collections XXXX the right to garnish my wages after I sent them in supporting documents explaining my financial condition. In the letter Pioneer Credit Recovery sent to your oXXXXfice they lie, and said that I did n't send in my XXXX. I can send the information that I sent them. Plus I have always told them that I could afford only {$300.00} dollars a month this Company XXXX XXXX Wants to receive {$550.00} a Month which I ca n't Afford. This company has lie on me I 've been advised to Sue them by an Attorney for wrongful and unethical business practices, because have harassed me by continuing to call and not except my financial agreement that I was willing to pay. Now they want to garnish wages at there amount which will greatly affect my bill agreements that I currently have. I 've never missed a payment with Pioneer Credit Recovery XXXX agency they are just unfit to represent the Federal Government. Feel free to call me at : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My brother has a Bank of America credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Bank of America is trying to garnish his bank account where his XXXX social security is paid into. Bank of America has been provided all this information but persists in collection despite having proof his only, meager income is exempt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04 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: NJ

Complaint narrative:
I have an account with Bank of America and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my 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