vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Navient is reporting false information and is not responding to lawful request to investigate : Navient did n't respond to my direct certified mail complaint ( signed recieved XXXX/XXXX/16 ) of reporting false information on my credit reports. Navient did n't record my dispute in my Navient account or notify credit bureaus of the dispute. Navient never notified me of negative information at any point. When first contacting Navient by phone, Navient admitted having no record of notifying me of anything when I informed them my Federal Student Loan had been in deferral at the time they are reporting me as delinquent. On that call, they did admit the records were very old and incomplete. They said I 'd have to send them a written dispute via US Mail, which I did as refereed to above. Note : I had disputed this first with all XXXX major credit bureaus and found that the false info came back as " Verified '' by Navient. I then emailed and called Navient for help and then ultimately ended up sending the dispute by US mail per their insistence that the phone call and email disputes would not be accepted by them. It is now XXXX/XXXX/16, I have not heard from Navient and the credit bureaus have again " verified '' the false information with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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 was attending a XXXX school in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX which I had to take out a XXXX XXXX loan. The school closed and I continued to make payments and here it is, 16 years later, the loans are still outstanding. My loan needs to be removed or reviewed. I believe I 'm subject to an expensive subprime loan which prevents me to pay down my loans. Please look into my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX/XXXX/15, I received an e-mail statement from Bank of America 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted BOA via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that BOA was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this " delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted BOA again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting BOA after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted BOA via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of BOA incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to BOA 's error. 

Not only did BOA misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of BOA 's error, is appalling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My home was vandalized two days before XXXX on XXXX XXXX, 2015. I reported the incident to my insurance company who has dragged their feet in making good on the claim, however, they finally issued a check which was sent to Bank of America. Bank of America had numerous request prior to them issuing the check to begin the work, all request which were told to me or put in writing I complied with. I have been calling Bank of America on a daily basis to insure the completion of the process. Bank of America representative stated to me the reason I was facing challenges with the process is because some borrowers take the money and do not repair the home? I am at a loss as to why this statement was told to me? Bank of America was in receipt of my contractors license and the bid to repair the home. I believe this statement was made to me because I am a XXXX borrower, XXXX XXXX, and I fail to see what the statement had to do with my process. The representative from Bank of America as added additional stress and worry regarding the completion of my home, I feel there is a hidden agenda, and not all borrowers are practically accused of stealing. I have been in my home for over 12 years I am vested and want the work completed more than anyone. The conditions in which me and my son currently live while waiting on the repairs has been a struggle. Because of the damage to the carpets and floors we are force to walk on plywood, it is almost impossible to keep the home warm. Once we are home we spend as little time downstairs where it is freezing and most of our time is confined to our bedrooms. I was not aware until now, that Bank of America had XXXX set 's of standards for borrowers, one they feel at liberty to say anything to and treat anyway without regard, and the other, they quickly process their claims.,

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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient raised my interest rate significantly on my Signature Student Loan, during a time of financial hardship, making it more difficult to pay down the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Bank of America accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX, we deposit a check in my account for {$2800.00} after calling the bank it originated from and verifying it 's legitimacy. On the day we deposited the check, our bank locations system happened to be down so we called to get an update on the status of the check. The Bank of America rep told us they would release {$100.00} on XXXX/XXXX/2016 and the rest once the check has cleared. The entire check cleared the next morning so we called back and the rep told us it takes 3-5 days to clear and the bank could still pull the funds until then. We called back a few times and were told the same thing by different reps for the first week. The following week, a female rep informed us that it actually takes 10 days to clear and the funds could be pulled back until that time. The last rep we talked to told us that the funds had been cleared by both banks and that there was no way either bank would come back after that period of time stating the check was n't cleared. We waited until XXXX/XXXX/2016 to use any money from the check. On XXXX/XXXX/2016, I checked my bank account and it showed they were pulling the funds back out of my account and my account was now negative almost {$3000.00} from the check being pulled back and our cell phone bill still processing. The only thing it showed on my online banking account was debit/hold for {$2800.00} on XXXX/XXXX/2016. I called customer service and spoke with a man who said he did n't have any explanation on his side as well and put me on hold to get his supervisor. Neither could tell me what was going on and stated that the only thing they could do is submit the charge-back for review as high priority but I would still need to find another way to be repaid ( wire transfer, money order, etc ) for the funds that were pulled back out of my account. I do n't understand how anyone can pull funds that were verified by both banks and cleared over two months ago. We verified the check with the original bank and called Bank of America almost everyday to verify the check had cleared before we touched any funds from it. No one has an explanation and I 've been getting the run around from Bank of America since we deposited the check back in 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 monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.

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 2017-03-22 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: FL

Complaint narrative:
I was working for a not for profit XXXX since XX/XX/XXXX. In XX/XX/XXXX I was informed after making phone calls to Navient that some of my student loans did not qualify and I would need to re-consolidate. I have been on IBR since XXXX. When my loans were consolidated in XX/XX/XXXX, they did not put me on an IBR with the information that they already had from my application in XXXX, they put me on an extended service plan. Not until XX/XX/XXXX when I resubmitted by annual IBR did my payments start qualifying. So now I have XXXX sets of student loans ( {$80000.00} ) with 28 qualifying PSLF and XXXX sets of student loans ( totaling {$150000.00} ) with only XXXX qualifying payments. Navient at NO TIME told me that I needed RESUBMIT my IBR which they were well aware that I was already on after my consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: PA

Complaint narrative:
Hi I 've been having an issue with navient and the XXXX XXXX and my student loans, I 've been having a hard time getting answers about my student loans. I 've been redirected, hung up on. My loans have been bought and sold adding to the fees and penalties. It 's overwhelming, it 's scary, and it 's been making my life so horrible. I wish I did n't get the fake education from the XXXX. And then have to deal with predatory loans. It 's ruining my life. The XXXX is a sham. And the loan holders do n't give information, they do n't assist in any way. I have XXXX kids and a part time job so I can take care of them. Loan holders are asking for a ridiculous amount. I ca n't do it. And they wo n't help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14 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 America has an established policy of charging {$100.00} for a legal order. That includes any request from an authorized agency to debit, freeze, withhold, or otherwise place a limit on an account. I know about this policy and I know I agreed to it. I still think it 's outrageous and excessive. 

I was recently charged {$100.00} because the State of California requested a debit on my account for {$100.00} for state taxes owed. Whether I owe this amount or not is not Bank of America 's concern, and I certainly expect the bank to respond appropriately to authorized agency requests. What I have a problem with is the {$100.00} fee. That {$100.00} has nothing to do with the State of California ; it 's purely the bank 's policy. It 's ridiculous for the bank to charge {$100.00} when it 's almost certain that no human being had any part in processing the State of California 's request. It 's substantially more offensive than the {$35.00} fee they charge for insufficient funds ( which again, no human being had any part in processing ). At least for insufficient funds the bank has a legitimate problem with the customer. But the {$100.00} legal fee? Bank customers are basically being charged for a few milliseconds of computer time. If the account has the funds to fulfill the agency request, why is the bank charging a fee? What is it for? Just an extra opportunity to really stick it to the customer? 

I called the bank and their representative said that there was nothing he could do about the fee, since it was in compliance with bank policy. Yes, it 's bank policy. I get that. I 'm not stupid. But I can promise Bank of America this : I will absolutely file a complaint every time the bank charges me a disproportionate fee for a service that essentially costs them nothing. I will file a complaint every time the bank charges me a fee that clearly impacts low-income individuals disproportionately more than high income individuals. I will not choose the " tell a story '' option. I will file a complaint. At least then the bank will be obligated to have a human being personally respond and mail me some dead tree correspondence, and I 'll get my money 's worth for all the fees they charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA/XXXX is reporting for XX/XX/XXXX as 90 days behind however reported XX/XX/XXXX to XX/XX/XXXX in good standing. It would not be possible to be 90 days late if the account was in good standing the month prior. This is significantly bringing down my credit.

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 2016-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
There is an unknown item listed through Swiss Colony which I have no idea what this is. Disputed, requested validation and of course nothing received but still is listed on my credit file. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
There is a debt collection account that was opened under me by the company name of " CBE. '' I have experienced identity theft for a few years now. This company I have never heard of. It states I owe {$320.00}! I need help disputing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
A XXXX XXXX from Pioneer Recovery Services ( XXXX ) has called at least XXXX co-workers -- on their cell phones -- which is in direct violation of the Fair Credit Act.

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 2015-05-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Iwas paying a mortgage company called nation star and wasput into foreclosure It was supposed to be service by BAC home lending I would like to know in writing when did XXXX XXXX start servicing the loan and when did she stop in writing. I was told she did not service the loan any more when I called her inXXXX of 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have paid XXXX XXXX now Navient every month until recently when I became unemployed and my wife could no longer afford to make payments to them on my behalf due to medical bills. I called Navient several times to see if I could request a financial hardship. They proceeded to tell me there was nothing they could do. I would just have to make the payments. I receive approximately XXXX to XXXX calls per day from them requesting money. Are there any options that I can take as to keep my credit in tack, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 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: WV

Complaint narrative:
Was XXXX XXXX loan, transfered to Navient, Now XXXX on my credit report, as Write off. When we call Navient to get it corrected, they have no record of the load. 
Killing my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 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: NY

Complaint narrative:
To cut down my loan faster, i wanted to do XXXX things 1 ) make bi-weekly payments and 2 ) put additional money each month into my loan. They said they could n't do the first, and then to do the second, i 'd have to MAIL a LETTER with a check and an explicit request to put the extra money into the PRINCIPAL. I complied, but when the money showed up, it went into my interest, not PRINCIPAL. There needs to be more regulation in this field to stop banks for figuring out how to maximize their profit. I got an education, not a Corvette.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Constar Financial Services, LLC
State: CA

Complaint narrative:
Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.

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