vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Navient called my workplace and one of my supervisors answered the phone, speaking with them briefly. He asked them not to call me at work and informed me that the " student loan people are looking for you again. '' A year ago or so, after I had instructed them to never contact me at work, but only my cell phone, Navient assured me that they had deleted the work number from their system and noted that I was to never be contacted at work. On my break, I called Navient, and the representative I spoke with confirmed the note that I was to never be contacted at work and that the number was flagged for deletion but that it had never been deleted from their system and she had to seek help from a supervisor to remove it. 

Navient has been sending multiple bills, both for old closed loans that had been reconsolidated with the Department of Education, and the newly consolidated loan with amounts and due dates that differ, making it appear that I owed not {$150000.00} but rather {$310000.00}. The representative confirmed that it still appeared that all the loans were active, but told me to disregard some of the statements I 've been receiving, and by the end of the call said that my account had been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was in XXXX school until I could not continue due to XXXX. I have equested requested an IDR last year, as I explained this situation. I received a noticed that I received a bill of XXXX by XXXX XXXX. When I called to address this process again, I was referred to a sub program. They want XXXX by XXXX XXXX. I had my last operation XXXX XXXX, 2017. I am still in recovery. My XXXX hearing is XXXX XXXX, 2017. Currently I do not have an income. I believe I been scammed by Navient. XXXX University Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
When filling out information to purchase plane tickets online, an offer for an XXXX XXXX Visa Signature Credit Card was made available to me. I signed up for the card and was approved immediately and then the card was used to pay for the plane tickets as intended. When the card finally arrived a couple weeks later and the bonuses that I expected to see were different than what was offered to me when signing up for the card, I became suspicious. I received a different card than the one promoted to me without anything in the terms and conditions saying that they can do that and without any prompting to me to have my decision on if I want to accept this other card instead of the one that I signed up for and believed that I was being approved for and having the tickets charged to. I tried to work things out with the service numbers provided by the card but to no avail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I am in forebrance. It shows on my credit report i am over 149 days pass due

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was charged XXXX for a loan I did n't receive

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a credit card with Bank of America. I have had this card for quite some time and there are multiple balances with difference interest rates on this card. I thought if I made a monthly payment that is higher than my minimum payment due then that extra amount would be applied to the balance with highest interest rate first. But they are not doing this and I asked about it and was told that this is not how they distribute the extra amount that is paid over the minimum due. But I thought this was a regulation in the CARD Act. Am I misinterpreting the law?

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 2017-02-22 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: AZ

Complaint narrative:
In XXXX I took out a private loan for XXXX XXXX XXXX ( now closed ) ; In XXXX I graduated XXXX. I was unable to find gainful employment for several years. When my forbearance was expired, I asked XXXX XXXX for help. I did not have the money or the cosigner for their only offer for assistance. Today I have a default judgement. I have tried to talk to XXXX/navient many, many times. They tell me to talk to the attorneys. I tried to make a settlement offer with the attorneys two separate times ; they ignore me. I am being charged {$100000.00}, I have already been garnished almost {$25000.00}. I am told I have to pay upwards of {$120000.00} for an education that cost less than {$50000.00} and took me over 10 years of hard work to make at least $ XXXX/year. No one will talk to me. This is extortion

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX XXXX money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of Bank of America Card Services, NA./FIA Card Services , N.A XXXX problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 XXXX XX/XX/XXXX, Bank of American wrote off this bill. Thus leaving a balance of XXXX owed. 3 ) The original bill of sale was from Bank of America to FIA card Services, N.A 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in Delaware, I am not sure if they are legally able to operate in the state of Georgia.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: AK

Complaint narrative:
Not sure how but, I have ended up with over XXXX loans. I feel that I have been " wronged '' when it was XXXX/Navient, I have been over charged with interest and this puts me at a disadvantage in trying to pay back and reflect poorly on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 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: FL

Complaint narrative:
BK OF AMER ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BK OF AMER or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BK OF AMER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2015-09-30 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: PA

Complaint narrative:
I am a recent college graduate from the University XXXX XXXX in XXXX Pennsylvania XXXX one of the first in my family ). However, due to financial difficulties after attempting to pay completely out of pocket I took out loans through XXXX XXXX ( now Navient ), totaling roughly 60,000 over 3 years with my grandfather as a cosigner. During college I paid all interest to keep the loan as low as possible after I gradtuated. When initially getting the loans they were to be paid over a course of about 20 years. However, once I received my first statement after graduation, I saw that the amount due was just under {$800.00}, something that was impossible for me to afford. I attempted calling Navient to inquire as to why the loan was so high, and they informed me that my loan had been changed to an 8 year loan and neither I nor my cosigner were informed of this change. Due to this, I forebore my first payment. Over the next several months, I attempted to figure this out with Navient, from which came nothing but a series of false information, Navient hanging up on me mid-call several times, and three more forebearances ( as well as misinformation regarding the forebearances ), with no results. All I want to do is make my payments, but I can not, nor can my cosigner afford the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX XXXX XXXX has required that I get a new credit card number for American Express and XXXX approximately once a year ( sometimes more frequently ) without verifying a reasonable need to undergo the hardship that changing credit card numbers presents. Many Americans have the majority of their payments to businesses on automatic or recurring payments. When the credit card number changes, it is a very time consuming venture to change this number with all of these businesses. If one forgets to change the number with a business or the number does not successfully get changed, this can lead to late fees and can lead to a mark on the consumer 's credit record. In every case with XXXX XXXX XXXX, they gave an XXXX number to call with questions. It was said there was a merchant that possibly compromised the account but when asking the represntative which merchant was involved and what the compomise was, the answer is " we do not have that information ''. I have called the customer service number each time to complain about this practice but no one appears to care what this is doing to consumers. The customer has a right to know why they are being put through all of this hassle and the credit card compny should be required to verify that it was a big enough threat to merit these inconveniences. It is even possible that XXXX is changing these numbers periodically in a similar fashion that is recommended for changing passwords. This is not acceptable. Please intervene an help to spur legislation that will prevent credit card companies from running consumers in circles just to protect themselves from the slightest chance of merchant compomise. If it has to be, so be it-but the consumer should have the right to know exactly what merchant is involved and what the violation was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Due to personal difficulties I faced in the winter of XX/XX/2013, I fell severely behind on my Bank of America credit card payments. Eventually, the company 's collections department presented me with a settlement offer in XXXX large installments. At the end of that year I received a Form XXXX for the shortfall as reckoned by the company and reported that amount as income on my tax returns. 

This account is being reported as a settled " collection '' account on credit reports that I have obtained. However, Bank of America is not reporting a " Date of First Delinquency '' for this account although I am told that it is a legal requirement to do so. This date is important for determining when settled accounts must by law be deleted from XXXX 's credit file. In particular, the state in which I live, XXXX, has a special statute of limitations when it comes to settled accounts, and so it is particularly important that Bank of America report this 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
Consumer complaint received 2017-01-19 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:
Sallie Mae/XXXX used unlawful and predatory practices to target my former school XXXX XXXX into taking out absurd amounts of money to enroll in their program. XXXX XXXX closed in 2016 and I believe Sallie Mae/XXXX needs to be looked into for all the students that were taken advantage of at XXXX. We are in enormous amounts of debt due to default on payments because our lender would n't let us pay what we could be requested insane amounts from us. XXXX promised us careers where we could pay these amounts and this was untrue. Please hear our stories!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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: FL

Complaint narrative:
Have XXXX student loans with Navient. Have been making a consolidated payment each month. Received a letter of default and called. They stated I have n't been making payments. Checked online and all payments PER THEIR website have been made. They have now sent me to a collection agency. This is Insane!! And each time I call I receive a different answer. If I am making the agreed payment each month I know it 's not legal to send me to collections. This company has the worst collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I missed a payment XX/XX/XXXX and did n't realize it until I received a letter from Navient XX/XX/XXXX. I was unable to make the entire payment at one time so I broke it up into 4 smaller payments and scheduled automatic deductions from my checking account via Navient 's website. I have one more payment left and Navient collectors have started calling my place of employment. Now the owner of the company I work for is questioning me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
I have tried to lower my monthly payment time after time. I have asked if my cosigners could be taken off the loans. Navient will not help and has stated that I need to include cosigners income when trying to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
AMERICOLLECT INC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AMERICOLLECT INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AMERICOLLECT INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA THE Alleged Investor /Owner of the Note on my property located in XXXX XXXX XXXX XXXX Ca XXXX violated XXXX of the codes of the Fair debt Collection Practices Act XXXX XXXX XXXX sec XXXX ( b ). 
BANK OF AMERICA refusal or ignore to respond a certified letter sent on XXXX/XXXX/2015. 
BANK OF AMERICA Failed to respond my Debt Validation letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation