vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-11 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: OR

Complaint narrative:
I have been enrolled in the XXXX XXXX XXXX XXXX for loan repayment. I am nearing the end of my 2 year commitment. I am required to verify that the entire XXXX dollars provided to me was put on my non-cosigned signature loans. I reviewed my account and found that I was approximately XXXX dollars short. So I contacted navient, gave the the loan number that the money needed to go on and requested a receipt verifying that this was done. The check was a bank check and my bank also printed the loan on number on the check. I did not receive a receipt so I checked my account and found that Navient had spread the funds over several accounts. If I can not verify that all of the XXXX dollars went to the XXXX listed loans, I can be fined over double of the amount given. ( over XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 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: MD

Complaint narrative:
I had been in the process of obtaining an income-based repayment option from Navient, the company which services my student loans. In early XXXX, In order to allow me time to complete the necessary forms, Navient put my loans in forbearance until XXXX XXXX. However, as of Monday, XXXX XXXX, I was informed that my loan repayment date was moved up to XXXX XXXX. I called Navient on XXXX XXXX and explained that my financial situation did not permit me to begin repaying my loans within three weeks. I requested that the original date of XXXX XXXX be reinstated. They refused, stating that I had no time left for forbearance. This simply does n't add up as XXXX XXXX was originally the end date of my forbearance. I believe that Navient deliberately misled and even lied to me. They indicated that had I waited later to submit the income-driven repayment paperwork, I would have been able to begin repaying my loan on XXXX XXXX as originally agreed. Clearly Navient is incapable of keeping their word as to when repayment should commence. Had I known that I would be given such shoddy treatment, I would have delayed submitting my paperwork until the last minute. XXXX XXXX was always an option. Changing my repayment start date is capricious and arbitrary. I 've NEVER seen this occur with a credit card, bank loan, or any other installment plan. This feels borderline criminal.

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: SC

Complaint narrative:
I was trying to get a lower payment as I became XXXX and was n't able to work anymore. My income was reduce tremendously but I still wanted to try to make payments on my loan. So when I reached out to Navient they informed me that my best option would be a forbearance that way I would have more time to get on my feet. So when my forbearance ended the payments was too much to handle. I 'm a single XXXX mother of XXXX. I barely can afford food to feed a family of XXXX better yet pay $ XXXX+ a month for student loan. I know they have to be repaid but they could have have me lower monthly payments or explained all options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
When I reviewed my bank of America SAVINGS account today I noticed that the bank has been charging me Monthly Maintenance Fees for 6 months now. I now realize they have a rule where a fee will be charged If I do not have at least one qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my savings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with bank of america and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my phone if you ever want to talk dont stealthily keep charging me fees and take away my hard earned money. 

STOP STEALTHILY STEALING MY MONEY BANK OF AMERICA!!! I DO NOT EARN AND DEPOSIT MONEY IN THE BANK SO YOU CAN DEDUCT FEES EVERY MONTH. I WILL CONTACT THE ATTORNEY GENERAL OF MASSACHUSETTS AND SENATOR XXXX OFFICE DIRECTLY IF YOU EVER STEAL MY MONEY THROUGH FEES. CALL ME BEFORE YOU WANT TO CHARGE ME FEES.

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 2017-01-21 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: CT

Complaint narrative:
So I 'm still in school and not even 6 months after my anticipated graduation date did they tell me I had to start paying off their loan when I was told they would take 6 months after my graduation date when I was settled in with a job that I 'd pay. But now they 're constantly harassing my family and I are about payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, 2016, Bank of America issued my monthly statement which showed a payment due on XXXX/XXXX/2016, of {$150.00}. I logged into their website that day, and, since it then showed a payment due for XXXX, I made a payment of {$220.00}. When next statement came out on XX/XX/XXXX, it showed my payment on XX/XX/XXXX, posted XX/XX/XXXX, but it said I was overdue, and I was charged a late fee of {$27.00}. I called customer service, and they could n't help me, so I requested a supervisor. I spoke to XXXX, who said all he could do was remove the late fee, return my payment to me and have me pay it again. I reluctantly agreed to this since he said it was the only option to make the account current without making double payments. The fact remains that the website said I had a payment due, and I paid it in good faith. Now I am stuck paying extra interest on the {$220.00} which will now post over a month later. This may not be a huge amount of money, but it 's wrong in principle and has caused me to waste a lot of time and aggravation. I feel punished for trying to stay on top of my bill. The bottom line XXXX told him is " never pay the payment on the statement closing date, no matter what the website says ''. He did say he would submit my feedback about the site.

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 2016-11-09 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I applied to obtain a XXXX rewards XXXX card issued by Bank of America because of the reward programs that was listed on the ad I read in my monthly XXXX car club magazine. 
Here is the problem, the ad stated that if I used my XXXX rewards XXXX at XXXX approved car care centers I would be awarded triple points. However, I am not earning triple points. I have filed XXXX reports with Bank of America and have not been supplied with an answer that addresses the contradictions between what is being advertised as to what is actually being practiced.

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 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Bank of America did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Bank of Americas employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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: FL

Complaint narrative:
I reported in XX/XX/XXXX against a furniture store to Bank of America and XXXX XXXX that the furniture store would not accept a return I asked for reporting the item was defective and fraud. I was assured that the charges would be reversed under such conditions.. A banking representative indicated all she needed was a statement in order to reverse charges for a refund, which I did. I made several attempts to return a Mattress, several phone calls, etc. I am requesting my funds to be reversed back in my checking account. The bank indicated too much time has lapsed when I reported this issue in a timely manner. 
As a consequence, the merchant had every excuse not to return the Mattress. 
A Banking representative even contacted XXXX XXXX and everyone at the store indicated that he or she can not speak English. However, on the contrary ; the furniture store ; in particular wrote in English and XXXX who answered the phone wrote the order. 
Recently as of yesterday ; the bank stated that my charges could not be reversed due to a time-lapse. I wrote all my statements and provided information in a timely manner to Bank Of America. Bank of America has insurance for such claims. Bank of America reversed the charges from my checking account in the amount of {$580.00}. 
This has been going on for seven months, and this claim should have been resolved. 
The Merchant even indicated to the Bank that I am enjoying the mattress ; which I never used and welcome the opportunity even today for XXXX XXXX to pick up the Mattress. 
I contacted the Merchant immediately after receipt of this Mattress, and the merchant was very uncooperative, and I could not even speak to a representative which is unethical business practice and fraud.

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 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: WA

Complaint narrative:
In 2014 I rented a car from XXXX, XXXX in XXXX. During the rental period, without damage to the vehicle, the car experienced a flat tire. Upon return of the vehicle to XXXX at XXXX, XXXX, it was determined I was not at fault for the flat. There was no damage to the tire and this was admitted to by the agents to which I returned the vehicle, otherwise in perfect condition. Three months later, XXXX applied damage costs of nearly XXXX dollars to my credit card. I appealed to my credit card company and the charges were reversed. Since, XXXX has turned this debt over to a US collection agency. I am receiving up to 10 phone calls per day. They have not sent a letter to me to substantiate the charges as it appears they are required to. 

I have a perfect credit score and have never defaulted in any debt, nor even been late in payments. I feel that the charges XXXX has attempted to apply to my card post my rental were egregious and bordering on criminal. 

The collection agency has not corresponded with me other than an initial letter in which they asked for my explanation of the debt. They have not substantiated the debt by writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I had made arrangement with bank of America to take the XXXX out of my account for over draft fees and to close my account out. when I got paid on XXXX/XXXX/16 I noticed that my whole paycheck is taken from the bank. I also contact my HR department on my job to let them know not put money into my account. so they decided to put money into my account after I told them that it was close due to fraud. when I got paid that 's when bank took my whole check and not the XXXX. I also called them before XXXX and after XXXX explaining what they was suppose to be doing and they kept getting me run round about my pay check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I am in receipt of your letter stating that my dispute of items in my credit report was " irrelevant and frivolous. '' I am upset that your credit reporting agency would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 
Enclosed is the disputed items highlighted. 
XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # Opened Date XX/XX/XXXX $ {$4500.00} FRAUD ACCOUNT XXXX ACC # XXXX Inquired that is not mine XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission. 
If you have any questions, please contact me at the address listed below. 
Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX 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 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: IN

Complaint narrative:
Every time I try to figure out payment with ancient they tell me I need a forbearance and now I have a ton more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 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: GA

Complaint narrative:
Jefferson Capital System is a debt collection company that is trying to collect on a debt for XXXX COLLEGES ( Financial ) in which I do not owe a balance too. This account is not mine. There 's no way they should still be trying to collect money for a company that filed bankruptcy and owes XXXX student XXXX dollars. I NEED THIS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I 'm a member of the credit union in XXXX NC. I went into my local branch this morning to get my taxes done and i was treated very wrongly by a lady named XXXX XXXX. She was very rude and unprofessional and i told her that i will be sending a complaint about her actions this morning, i had her to return my tax documents and i left the branch and this is my complaint and i want to know what is going to be done about it and how soon. 


Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 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:
I had a joint account at Bank of America and they let the other party close the account without my knowledge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
NAVIENT ( or XXXX ) is not updating my student loan payment information, which is adversely affecting my credit score ( see document # XXXX XXXX. Over the past year, I paid approximately {$10000.00} per month, and I paid off my student loans in XXXX 2016 XXXX see document # XXXX XXXX. HoweverXXXX shows that I have a balance of {$100000.00}, which is incorrect ( see document # XXXX ). I have not had a balance that high since XXXX. I called NAVIENT on XXXX XXXX, 2016, and the customer service representative was unhelpful, saying the issue is with XXXX, although she could not tell me if NAVIENT had sent the correct, updated information to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient XXXX continues to call even after I have informed them the individual the are calling for does NO exsist at the number they are calling. I have spoken with XXXX representatives and informed them the number they are calling is mine. I have had this number for 24 years and to PLEASE stop calling. Now I get calls2 to 3 times daily and on Saturdays and Sundays. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
From XXXX/XXXX/16 thru XXXX/XXXX/16 I have received 38 phone calls from a company that identifies itself as Student Assistance Corporation. 

On or about the evening of XXXX/XXXX/16 I answered a unidentified call that instructed me to contact their office on the next business day. I researched the number left on my phone and identified that caller as Student Assistance Corp. I called their office and inquired as to the reason for the call. I was told that there was no reason that my account was current and the call was ended. 


On XXXX/XXXX/16 I received 4 calls, when I spoke with one of their managers I was told that they did not know why they were calling me, but since they had me on the phone could they confirm some information ( my contact information ) I complied and ask that in the future they correspond with me thru the postal system. I then contacted Navient to inquire as to the reason for that calls, they claimed that they did not know of a reason for the calls as my student loan account is current.I repeated my request that they use the postal system for future correspondence with me. 

XXXX/XXXX/16 I received 5 calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 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: KY

Complaint narrative:
I created a payment plan for my private loan the middle of last year that was suppose to last a year. They stopped taking the money out of my account around the time I filed bankruptcy so I thought it was charged off. My US education loan sent me mail saying I had to start paying them. I checked my account and realized I owed on my private loan also. I called they informed that since it wasnt charged off that I had to repay and I couldnt get my original payment plan back. I explained how I couldnt afford XXXX dollars a month especially having to pay my other loan back. They said there werent any programs that would reduce my payment. If I just pay what I can afford the late fee will still accrue. Is there anyway to get my original payment plan back?

Company response to consumer: Closed with explanation