vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.

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 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I graduated XXXX College in XXXX Alabama in 2006, for XXXX Diploma and XXXX Degree. And I am paying student loans for XXXX/Navient and Direct Loan/XXXX.Why am I paying for my student loans and the school has closed down a few years ago?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have repeatedly asked for evidence to support your reporting, but yet again, your company have failed to provide me with a copy of any viable evidence, substantiating their claims. 
Given that I believe you are acting in bad faith, and have not complied with the Federal Trade Commission ( 15 USC 41, et seq. ), I will filed a Small Claims lawsuit against you for failure to validate late payment on credit report. ( FCRA Section 611 Part ( A ) ( 1 ) I have maintained careful records of your company actions, and you are now required to appear at Superior Court of California , XXXX Dept. BM XXXX California XXXX on I am seeking {$5000.00} in damages for : 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Navient Solutions Inc. has failed to validate the late payments. Failure to remove item off credit report. Fail to provide proof of item. Deformation. Violation of the Fair Credit Reporting Act, Negligent Establishment of Identify Fraud. On other separate occasions they failed to provide me written proof of any late payments which I requested in writing on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
i consolidated my loan through XXXX XXXX, I had XXXX loans, they were charging me interest on each loan and when I talked to them to do this my understanding was that they would make the loans XXXX, so I was told to pay {$2500.00} to start with I which I could n't even tell where that was deducted. We have been paying more on the loan than they asked each month and we have been paying for about 16-17 years and still owe alot ... so each year we get a payment slip for 12 months, this year we did n't get one so I called and I was told that when it was time to make another payment we would get them, we are payed ahead to try to save on interest, so I tried to make payment on the phone and she wanted to charge me for the payment {$14.00}. I have never had anyone charge me to make a payment, because I did n't have slips to mail in ... .said I was paid up so until an actual payment was due they would not send payment slips ... and interest on XXXX accounts is not cheap ... this is not a consolidation.

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

Complaint narrative:
I 've been having on going problems with naviet ( formely XXXX ) my loan was originally taken out XX/XX/2010 when I went to XXXX and I have been making steady payments.the principle never seems to go down.im single taking care of my sick father providing for a house.they have puts marks on my credit report, which have hurt my credit.I always ask to see records on how much I have paid and they cant ever really give me a current balance.very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: PA

Complaint narrative:
In XXXX, I applied for unemployment in California, they issued a debit card from Bank of America, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Bank of America three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Bank of America again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Bank of America one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. Thank you.

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 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Im here to complain about Navient. Navient is the worse company and i feel like they take things lightly. it is unfair becuase they have total control over my credit. They reported me to collections and they made the mistake. i paid for a forberance and they applied the money wrong. it took them months to get it right. i dont understand how this could have happened.they are not here to help. they mislead people. i told them i cant afford the payments and i paid what i could. they refuse to lower it to a more affordable payment. the intrests rate are too high. this is too much with my bills and other exspenses. its begining to be so stressful on me. i have cried many times behind this. i do not want them handeling my loans

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Calling every XXXX or XXXX, I spoke with an agent, said I would make payment over the internet. This was agreed with the agent since I do not give my personal information to persons who direct call me regardless of the phone number that is calling. I then proceeded to the website and made a payment within minutes of speaking to the agent. I also at that time requested they not contact me with auto dialed collection calls. XXXX Hours later I received an automated call. I then hung up, and called the company and got in touch with another agent and stated that I have a pending payment on record, and to please stop calling me. He stated that they would not stop calling me unless I wanted to make another payment over the phone. At which point I brought up my stance on giving information over the phone and the fact that if they called me once in a day that I would most likely not have additional money the XXXX, XXXX, XXXX, XXXX, or XXXX time during the day. He then stated that they could call at least XXXX times in the day with no penalty. That in my book is still harassment. I could understand XXXX or XXXX with the possibility of having missed XXXX of the calls, but XXXX?! I would like something to be done about this. It is not right for a loan collector to harass someone into payment. Not only that but when you call them they are less than cooperative with an attitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I have worked with NELNET since 2011 to resolve a complaint I have regarding their servicing of my loan while making payments under an Income Based Repayment Plan under the Public Service Loan Forgiveness Program. NelNet continues to maintain that I consolidated my loans and any payments prior to consolidation do not count towards the PSLF program. I have asked to see the contract where I agreed to forfeit PSLF payments in exchange for consolidation and they are unable to produce it. I believe they operated in bad faith when consolidating my loans without obtaining my permission to forfeit almost a year 's worth of PSLF payments. My new loan servicer has been honest and operated in good faith. As such, I believe this to be a deceptive business practice of NelNet and/or the Dept of Education that is hurting students who are making regular payments under an Income Based Repayment Plan while working with vulnerable populations under the PSLF program. I would like for my payments made to NelNet to count towards PSLF like I was told they would. I do not need NelNet to call me and tell me the exact same thing they have told me XXXX or more times over the past years. I need someone to hold them accountable for their deceptive and abusive loan servicing practices. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I knew there would be payments, but the amount they are asking for is not possible. I 've been sent bills for anywhere from {$800.00} on the low end to {$2200.00}. This is more money than I make in one month. I 've explained this many times to many agents after waiting over 20 minutes and getting transferred to multiple people after the shake down from the first level staff. I 've hung up in tears more times than I care to admit. They suggest moving in with my widower father ( in order to save on housing expenses so I can pay my loan bills ) and suggest I get more jobs in order to pay them faster. It honestly feels like I 'm dealing with loan sharks when I call them. I went part time for four years to complete my XXXX XXXX XXXX in another state at a more prestigious University and I owe about four small automobiles worth of payments because I finished my XXXX XXXX in another state that did n't have scholarships available. After graduating XXXX XXXX XXXX, I make {$10000.00} less per year than I did in the year 2000. I 'm simply not making enough to pay the lowest amounts they insist I pay, so I file forbearances and deferments for hardship but feel I could pay something reasonable ( small car payment amount? ) but they just decline to accept it so my interest continues to accrue. I feel trapped in this vicious cycle.

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: NY

Complaint narrative:
I am set to begin repaying my loans on XXXX XXXX. I called navient to see what my payment options were and they gave me what my monthly payments would be. I asked if the payments could be lowered and they told me that was the lowest they could go. By XXXX I will be paying about {$400.00} and this is not something that I can afford. I believe that these companies are setting newly graduated students up for failure and it is a shame. While I do understand this money needs to be paid back it needs to be done in a decent fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been repaying student loans mostly consistently since 2005. I have XXXX loans, XXXX Private unsubsidized, XXXX federal ( XXXX subsidized and XXXX unsubsidized ). The total amount borrowed since 2005, the XXXX is {$50000.00}. I recently checked the amount I paid over XXXX years of repayment and have paid nearly {$19000.00} in interest only payments on these loans with principal only being reduced slightly by approximately {$2500.00}. 

As of today, XXXX XXXX. I still owe in the ball park of {$47000.00}. I recently spoke with Navient to explore ways in which I can repay these loans back faster because I feel like the amount I 've been paying should have reduced principal more than {$2500.00}. Considering I have 10 years of diligent and consistent repayments on my record, Navient was unwilling to work with me to make paying off my loans easier. They would n't offer me reduced interest rates, would n't re-negotiate a lower lump sum payback, would n't work with me to ensure that any money 's I pay above their monthly minimum would be used toward the principal of any specific loan. 

Their unwillingness to work with me to help me pay these loans back is criminal and their interest rates are predatory. Something has to be done to offer flexibility in repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a formal notice of dispute regarding information that Bank of America sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Bank of America verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Bank of America report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Bank of America did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX.

Company public response: Company 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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
During my deferment when I boulder pay my loans they continued to charge interest and raised my loan during that time. When finally making a large payment of {$2500.00} and asked to go toward smaller loan. They used all of it toward interests.

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

Complaint narrative:
XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet BOA sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have had a Bank of America Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Bank of America Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Bank of America has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Bank of America and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip.

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 2016-09-23 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: FL

Complaint narrative:
I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX. When I initially spoke with someone they lied and told me that they were accredited. Had I known that they were not I would not have attended that school. I was also pressured into attending the school, when I left I had people contacting me for weeks. When I completed the necessary paperwork to attend, they told me I was not eligible for any grants and that I would have to take out student loans. I later found out while attending another institution that I was eligible for grants and did not have to pay out of pocket or take out loans. I Do n't think it is fair that I was basically taken advantage of and received a degree that is now laughed at when on interview. Fortunately I continued my education at other public universities. I hate that I fell prey to their scam. I also has a private " genesis '' loan that was paid in full. What can be done to help me with the loans that are now due for payment for a degree that I ca n't even use and Is n't even considered while searching for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have fraud alert on my Chase Visa card, which I appreciate, but I DO N'T appreciate how they use it! I made a credit card purchase from an overseas internet vendor -- whom I have used before and who I know is reliable. Instead of just alerting me that this purchase looked suspicious and asking me if it was valid, Chase DECLINED the transaction -- even when I verified that it was legitimate. This put the burden on me to re-contact the vendor and start all over again!!! Also, it delayed the shipment of time-sensitive items. Obviously Chase did n't want to be exposed to fraudulent charges so instead of just putting a hold on the transaction until they verified whether it was legit, they declined it, making more work for me. NO OTHER credit card company I do business with uses this procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Last year I made a lump sum payment with an XXXX educational award. There was {$75.00} left after all the unpaid interest was paid. I instructed Navient to put the remaining money towards loan # XXXX. Instead they applied it to loan # XXXX. Loan # XXXX is a lower interest rate loan than loan # XXXX. When I called to correct this mistake, I was told that the entire amount would be " taken back off '' and that interest would continue to accrue while their mistake was being corrected. I declined, and left it as it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I have been in contact with Ally Financial 's overseas customer service department, then their fraud department, then several supervisors, and never received several return phone calls as promised about the fact that they have erroneously reported that I paid XXXX payments thirty days late to the credit bureaus, when even by their latest missive that is INCORRECT. A single car payment was {$660.00} per month at that time. Many attempts to have this rectified have them ascertaining that they reported it correctly ; when from what they 're saying and what they sent to all of the credit bureaus {$1200.00}, is not reflective of what they, themselves is incorrect. I have been going on with this issue for two months and either they are n't doing the math, or they 're just refusing to correct their errors. Thank you.

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