vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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: FL

Complaint narrative:
I have contacted Navient on several occasions to discuss the options for repayment of my loans. On each occasion my willingness has been met with opposition and very unpleasant experiences. Representatives have seemed unwilling to arrange a repayment plan that is reasonable or at the least, manageable. I have been required to complete income verification forms and have done so each time I am asked, only to be advised on a few of those occasions that my paperwork was not received. There seems to be a lack of organization on the part of this lender and a high level of resistance to assist account holders like myself, who are willing to enter into a repayment plan. I 've also contacted Navient to discuss the options for Public Service employees in regards to repayments plans as I am XXXX and have been for several years. When inquiring, I was more or less advised no such option existed although I had obtained information online advising such programs were.

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: NJ

Complaint narrative:
I believe my loan is direct ( Sent Straight to XXXX XXXX XXXX XXXX ) but im a little confused. Payment kept going up and changing. The rate a was n't ever the same. I called and they " fixed '' It but I still do n't seem to be making a dent. I 've paid a significant amount in six months and probably only got XXXX off my loan. Not sure what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: GreenSky, LLC
State: WI

Complaint narrative:
I have been doing business with greenskycredit aka XXXX and have been paying an authorized dealer on a weekly basis by automatic w/d from my account. It has come to my attention when I recieved my bill and late fees and excess interest that this party has not been posting my payments. On the following dates the payments were pulled from my account and on the following dates they were credited to my credit account. 
XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX posted XXXX XXXX/XXXX/15 XXXX never posted XXXX/XXXX/15 XXXX never posted This company has also been assessing late fees on this account the most recent one was assessed on XXXX/XXXX/15. This is a direct result of the destributor failing to post payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My friend and I used my another friend 's phone number and sent XXXX dollar to him on XXXX, and we were XXXX in Bank of America XXXX But the friend never received the money. I went and called to Bank of America lots of times, and the assistant said that the money was transferred to the another person who has same phone number with my friend, which means there are 2 people have same phone number. The assistant also said that they tried to call the person and got my money back, but it did n't work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
False advertisement, deceiving and unfair business practices demonstrated by Bank of America. I intended to use balance transfer checks that I have been receiving as " as special offer '' from Bank of America. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: NJ

Complaint narrative:
On or about XXXX XXXX, 2016 i have notified Navient Loan Servicing about a Student Loan that was being reported to all XXXX credit bureaus with my personal information I have submitted a formal dispute under the Fair and Accurate Credit Transactions Act about the student loan account XXXX a total of XXXX accounts where being reported all having the same account number. I submitted a original copy of a police report per there request however they still continue to report to the credit bureaus that the account is valid. I also requested validation of the debt in which i received no response from Navient Loan Servicing proving that the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.

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 2015-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have a home equity line of credit with Bank of America, and I responded to a letter which notified me of the option of applying for a home loan modification. I had previously signed up for paperless billing, so I was relying on their account access for getting my statements. Once I had applied and begun the modification process, Bank of America blocked my access to online statements. Furthermore, my online access no longer will tell me the payment amount due, and I am not even sure if my payments are being applied properly. When I called them to ask about this, I kept getting referred to many different customer service departments, none of which could help me, and all of which said that I would not be able to access my statements or account information while the modification process is active. I need a copy of my statement to submit to the StepForwardMichigan ( HAMP ) program, and I am unable to apply until I have this information. I believe Bank of America is deliberately trying to get me to stumble so that they can begin adverse action - I can not think of a legitimate reason for blocking account access for a customer in good standing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.

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 2015-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
my mortgage remodification was approved XXXX yrs ago. initially when I signed the contract there was an error in the document and months later they called me in to resign it for the XXXX time. now XXXX yrs later they told me I need to resign it again. which I did for the XXXX time. I was told in writing by XXXX XXXX if I did n't sign it they would not let me make any more pre payments to my sub loan. ( this is in my contract that I can make any prepayments with no penalty ) .so I would n't have any problems later, I signed this for the XXXX time. they also brought me a paper to sign to get an EIN # I am XXXX yrs old and do n't know why I would need this but I signed it anyway. I was also told in writing that I would receive a check for {$500.00} for my trouble which I never got. Now they are calling my home everyday asking me to do it again for the XXXX time. the bank calls my house everyday they went as far as to send a representative here last week with the same paperwork again which he left with my XXXX yr old grandson who said the representative took pictures of the front of my home. this is ridiculous I refused to be upset with this anymore and in turn the bank has now blocked my access to my online mortgage payment option. when I press to make a payment on my loan the screen reads that I am not able to use mortgage pay on the web at this time and gives me a phone # to call. when I call the number they tell me that I have to speak to my acct manager and I am sent to voice mail. this is a lot of aggravation for someone my age. in addition since the modification has been in effect in 2013 I have never missed a payment or been late and each month for at least a year I have been paying XXXX months at a time. I feel this is harassment and I would appreciate any help or advice you can offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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:
XXXX XXXX University offered me a No payments no interest loan for the balance of my tuition after I graduated I was told that I would n't have to pay every month but I should pay some every once in awhile there was no minimum fee and no minimum payment after a year I found out it was put to collections. once I found out it was in collections imediately negotiated a prompt settlement for {$2000.00} that was due by XXXX XXXX I completed payment of {$2000.00} on XXXX XXXX 2015 on the basis that XXXX release my degree and all documentation between XXXX and myself be submitted to me as well. after a few months I had not received anything and then I got a letter in the mail from XXXX saying I should use my tax refund to pay off my remaining balance of XXXX dollars. I immediately called and asked what had happened they told me I had not made payment in the proper amount of time. so I ask to speak to a manager and that I was told they would return my call within XXXX hours I have since call the XXXX more times are over the course of XXXX weeks without so much as a return phone call or have spoken to a manager. I did everything general revenue corporation asked, I have a recorded phone conversation of them stating the {$2000.00} balance that I would pay and the subsequent payment information I am a XXXX I also have bank statements proving I paid the {$2000.00} and my account still has not been closed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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:
Since my loan has been with Navient, I have been advised to go into into forbearance and not to pay interest. Then when I wanted to go the income-driven repayment plans, I was told my payment would be XXXX a month. When I went to start, this was not the case. So I as advised to go into forberance. Each loan advisor I spoke to gave me an entirely different story. Thy did not keep me informed of deadlines or changes to the payment amounts and continued to guide me not to pay at this time, as a supervisor would call me back to sort things out, because each advisor came up with a different amount to pay back. I was also waiting on my income-driven plan amount in a letter so I could buy a home. It never came after many attempts. Then of course the amounted quoted over the phone changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been a Bank of America customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Bank of America associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.

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 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In the past 30 days, there have been numerous instances that have resulted in our institution fraudulently and without cause having money taken from our account, by Bank of America. The first instance was on XXXX/XXXX/2016. A deposit was taken to the XXXX XXXX BOA, counted, and we were given a deposit slip. Later on, we noticed {$3100.00} has been deducted without our knowledge. We were later sent a piece of paper a deposit totaling {$6200.00} was missing {$3100.00}. There is no way their correspondence was even close to accurate. We went down to XXXX XXXX, where the young teller who counted the money admitted that the whole amount was in the deposit bags when he counted it. He was given stern looks, and then employees began searching through the trash ( hopefully they were n't looking for the deposit! But the timing was obviously suspect ). After speaking to XXXX XXXX, a representative at the branch, they eventually decided to credit us back the money ; however, they put it into the wrong bank account, and we had to have it transferred over. This was the first instance of Bank of America taking money from our account, saying we never deposited it even with a valid deposit slip. 

Next, on XXXX/XXXX/2016, Bank of America decided to deposit the same deposit into our account twice in the amount of {$1300.00}. Upon being alerted to their error, they they proceeded to deduct {$1300.00} out of our account, which is obviously {$20.00} more than their original error. Again, we had to call XXXX XXXX. Although we received no follow up call, the issue was eventually resolved, and the bank account does not even reflect their initial error, which is odd. 

Finally, on XXXX/XXXX/2016, we received another notice from Bank of America. This notice says that a deposit of {$5900.00} had been missing {$1000.00}, and they deducted that amount from our account. Again, the money was counted at the XXXX XXXX XXXX, and we were given a deposit slip. Even with this evidence, they took the money from our account. After trying to call XXXX XXXX again to see where our money went this time, we were stone walled, and not given any further information and would not let us speak to XXXX XXXX about their discrepancy. At this moment, they still have the {$1000.00} they took from us, with no sign of them even investigating where our money went. 

This is the XXXX time in 30 days that this branch has lost our money. We have had to fight them to get the money back XXXX, and are now out {$1000.00}, with no reasonable reason. We have valid deposit slips, and we have the notices from company. And we are getting no response from the XXXX XXXX XXXX any longer.

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 2016-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. 

Sincerely, XXXX, IL 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 2016-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
i was paying cbe XXXX and i calledto pay less and they said no so stopped payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a " Home Equity Line Of Credit '' with Bank of America. They sent me a letter stating that it would be closed as of XXXX/XXXX/2016. But that I could apply for a new lie of credit. 
I called said yes and they opened an application under LoanApp # XXXX. I sent in my info as directed, I was assigned to XXXX XXXX XXXX XXXX. 
Bof A came back and told me at first that I had to Globally Li, ft for thirty days, the security freezes I have with the XXXX credit bureaus so that they could do a credit check. After many calls back and forth they stated that I only has to lift the freeze with XXXX. I did a selective lift for them and furnished BofA with a code to use. They came back and said they can only use a global lift. I told them I have been a victim of Identity Theft and would not do a global. They said goodby. They sent me a letter saying that they would not go forward with load app as I refused to give them access to my credit reports. 
I feel that I, and anyone else who has been a victim of identity theft are being discriminated against. Is this against the law?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Identity theft/ XXXX, XXXX Bank Delaware XXXX XXXX.XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: ME

Complaint narrative:
I received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?

Company response to consumer: Closed with non-monetary relief