vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In 2013 a XXXX male approaced me an manipulated me an pressured me into the bank of America on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks

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 2015-08-25 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: NY

Complaint narrative:
I am contacting you in regards to my student loan with Navient. To start, let me briefly explain.I had previously made payment arrangement through consolidation back in XXXX 2015 and I assumed the payments were being made through direct payment via credit card. I had no idea that my loan was in potential default. I had no access to my gmail account and was notified by my employer to contact Navient immediately. I did just that and was advised that I need to full pay my total balance due no later than XXXX/XXXX/15 which is over $ 13k.I am in not situation where I can full pay this loan and was hoping to set up another payment arrangement. I was told they will not work with me unless I am full paying the balance due and further collection action will be taken on or after XXXX/XXXX/15. I would really like to set up another payment arrangement if you can help with this matter it would be greatly appreciated. 

Thank you for your consideration. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: CA

Complaint narrative:
I attended XXXX XXXX University from XXXX - XXXX for an XXXX degree. During that period, I was working full-time and had to essentially complete classes late at night on my pace. It is important to note that XXXX XXXX was working toward their accreditation and was in " pending status '' during this period. Consequently, XXXX changed their name to XXXX XXXX University and altered their curriculum requirements when the accreditation was not approved. Shortly afterward, the school closed and left no transcript records or resources to obtain any from a repository. I contacted XXXX XXXX at the time to see if they had received complaints from other students with outstanding loans paid to XXXX XXXX. They refused to answer and informed me that the debt would not be forgiven irregardless of the fact that federal student loans are indeed forgiven on those grounds. My father was the principle guarantor on the loan and was paying it on time. He passed away and we were informed that the debt would be discarded with the furnishing of a death certificate. Again, this was not the case as after I sent a certificate, I was informed that I was named as a the responsible party now. During this time which reached through XXXX, no payments were made. XXXX XXXX charged the debt off and sold it to XXXX ( which Navient refers to as " their '' resolutions team ) which is utter deception because Interstate is a cut throat debt collector that is NOT a part of Navient. All I want in this is the opportunity to either A ) Be forgiven of the {$4300.00} debt due to the school closing and no access to my body of work, or B ) To have my account placed back with Navient or XXXX XXXX in good standing so I can resume payments and not have it decimate my credit as it has done during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: LA

Complaint narrative:
Before retiring from my Federal Job I neglected to change my email address so that I could update my XXXX account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my XXXX Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. XXXX times more than what the original loan payment was.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Ex Girl friend had trouble talking to Bank Of America I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Bank of America and they misappropriated funds that is how they got my information

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 non-monetary relief
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:
I have loans with XXXX XXXX now Navient. I was told by customer service reps that the only option when I was unable to make my full payment was to take forbearance when I graduated from school and unable to get a job making enough to cover the payment and my living expenses. A few years later during the recession I was laid off and unable to make payments. I was basically told too bad I should borrow money from family or decrease my living expenses by XXXX XXXX employees. My payments were over XXXX of my take home pay. My balance has since ballooned to double what I originally borrowed. I feel as though I 'll never rid myself of these loans and am still digging out from the damage missed payments have done to my credit due to predatory lending and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have recently found information that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX as individuals and Representative ( s ) or Agent ( s ) of XXXX XXXX XXXX have submitting false evidence under the penalty of perjury into the Circuit Court of XXXX XXXX County. XXXX XXXX XXXX has foreclosed on the subject property in XX/XX/XXXX using the name of the original XXXX and a license number that expired in XX/XX/XXXX.XXXX XXXX XXXX of XXXX under the penalty of perjury affirmed that the purchase of the subject property was fairly sold and bought at a fair price. The subject property was purchased by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and auctioned by Auctioneer XXXX XXXX XXXX for XXXX. I have reason to believe the bidding and auction of the subject property were rigged by XXXX XXXX XXXX, XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX. Sworn Affidavits filed in case number XXXX to also include the Assignment of Deed of Trust, the Deed of Appointment of Substitute Trustee and the Writ of Possession and Eviction filed by the Defendant XXXX XXXX XXXX of XXXX are in fact willful and deceptive violations of 15 U.S.C. 1692e ( 13 ), 15 U.S.C. 1692f ( 6 ), 15 U.S.C. 1692e ( 4 ) and 18 U.S.C. 1621. There are many irregularities in the assignment of DEED OF TRUST and the process in which such DEED OF TRUST was allegedly transferred, conveyed, assigned, sold, recorded, etc. As asserted, these defects left the foreclosing entities without authenticating documentation to the property and without the authority to foreclose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 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: PA

Complaint narrative:
Earlier in the year, addressee, XXXX XXXX aka XXXX XXXX, applied for XXXX ; upon approval many loans were discharged. Addressee, noticed that Navient possessed a few XXXX loans, which were not discharged. Addressee, XXXX XXXX aka XXXX XXXX, called Navient and requested to know why the loans were not discharged, and a respresentative from Navient stated that it was due to name differences. Addressee, XXXX XXXX aka XXXX XXXX, then went about to gather the necessary information to encourage and quick and speedly discourage, a Navient representative informed the addressee of the receipt of information, which the addressee has via email and other information. The addressee, that Navient has not discharged the loans in question. Addressee XXXX XXXX aka XXXX XXXX, is asking Naviet why the loans have n't been dischanged, to sent the addressee the origin of the loans and to expand why the loans, the year of which, is currently under federal question?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I just read a VERY Very similar story as mine on your site, and it is with Bank of America. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be " telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all.

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 2017-03-06 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:
I was encouraged to defer my payment for three months by Navient. I told every financial counselor I spoke with from Navient that I was unemployed and looking for a job and that I could not afford payments. They told me I could take a deferment for three months once my account was up to date. I asked my Mom to help me make that payment and after the payment was received they told me I was unable to take a deferment. I received countless calls every day ( 3 or more times daily, at all hours of the day ) from navient financial counselors. Several months later I found out I was in a deferment for three months, and I asked why I was still receiving harrassing calls from navient workers. All the counselor I was speaking with did was apologize. I still am not employed full time, I work part time and it is difficult for me to make my payments every month ( although I do, about 50 % + of my income is paid to student loans ). I told navient counselors this and asked for information on other payment plans. I began asking this in XXXX and was told an email would be sent out to my mother ( these loans are in her name ) and that they would sent mail about repayment plans to our house. Nothing was sent and I have been asking them every month since XXXX about this. I am disgusted with dealing with Navient/ XXXX XXXX and I hope these circumstances change for the people who are indebted by them. If my payments were lower I could afford to do a lot more, but with the circumstance I am in now, I would have to make at least double what I make now to ever be able to move out and live on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/16 I authorized an online bill payment through my Bank of America ( BOA ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called BOA and spoke to a lady in the fraud department who told me " there was nothing BOA could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in BOA who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states " XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my BOA account is minus {$93.00} and BOA has no idea what happened and tells me " there is nothing they can do about it. '' The intended recipient of the payment never received the payment and BOA states it was " never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}.

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 2015-12-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Told me in order for legal action to be seized, I would have to pay a lump sum of {$720.00} or XXXX monthly payments of {$370.00}. I only had until XXXX/XXXX/16 to make either payment arrangements. Which was 7 days from the date I was contacted. Advised that my wages would be garnished and/or my taxes would be taken once they 're filed if I had n't made arrangements by then.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 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 knew that I was eligible to consolidate my student loans, half of which would come due 6 months later ( XX/XX/XXXX ), the other half immediately. I began calling Navient the day after I graduated to set a forebearance on the necessary loans so they would all be due in XX/XX/XXXX, allowing me to consolidate them all at once. Once they were notified of my graduation, they were happy to do this for me. 

Three months later ( XX/XX/XXXX ) I start getting notifications of payments due that month. I called again and spoke to a supervisor, and they said the agreement we made was only for my government loans, not the private ones. Even though they assured me in XX/XX/XXXX that ALL of my loans were included, they would not defer my loans as promised. 

My private student loans with Navient total roughly {$27000.00}, and the payments are roughly $ XXXX/month. Additionally, they wanted to charge me $ XXXX/loan ( XXXX ) to lower my monthly payment to a realistic amount. Since I could not afford an extra {$150.00}, they could do nothing more for me. 

After hitting my credit with a 60 day past-due notice, I called again to try to negotiate a reasonable payment. I was told that I could either pay the past due amount ( $ 1,000+ ) and request a lower payment, or allow them to take payments out of my bank account monthly. I explained that I do not get paid on the same day/date every month, as it 's a 2 week pay period. I was offering to make payments if they could make them reasonable, but they refused to help. Not only was the agent refusing to look at my account to see the previous conversations I 'd had with other agents, but he lied and told me no supervisors were in the building XXXX-XXXX. Roughly 20 min later, a supervisor called me back. She refused to apologize that the agent lied to me, or even acknowledge it. She then informed me that she will be referring my account for litigation and disconnected the call. 

I WANT to make payments, but they continually lie to me and refuse to accept any type of agreement that would n't overly benefit them. I do n't understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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:
My issue is with XXXXNavient. I have been dealing with them for 10 years now and am at the end. From deceptive practices, to late fees, to repayment fees, to outright lies it 's all there. I would like to be part of the lawsuit if possible. I am attaching all documentation I have including a detailed timeline and the latest letter that was sent requesting the release of my parents as cosigners. The latest issue is that I am in a repayment program with no paperwork, they refuse to change the due date on XXXX of my loans and keep charging me late fees although the program is set up for the payment to be direct debited on the XXXX of every month. Again I am attaching all detailed paperwork so you can better understand my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 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: WA

Complaint narrative:
In 2007 I graduated from the University of XXXX. On XXXX XXXX, 2007 I refinanced my student loans on a 20 year fixed rate loan with a monthly payment of {$240.00}. Over the years I have made minimum payments religiously, in some instances I paid more than the minimum payment. The loan has been sold several times, the current institution is Navient. I received a letter from Navient telling me in 60 days they are changing the terms of my loan and are basing that change on time remaining in repayment, outstanding balance, interest rate, past delinquency and/or late payments, resumption of standard repayment after a period of reduced payments, other account activity that may have affected the repayment schedule. None of these factors apply, my loan is a fixed rate loan with a specific time period so how could my time or % rate have changed? I have not been late, nor asked for a reduced payment. My question is, " is it legal for Navient to just change the terms of my fixed rate loan? ''

Company response to consumer: Closed with explanation