vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-05 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: NJ

Complaint narrative:
I am a co-signer on XXXX of my daughter 's private student loans with Navient. XX/XX/2015 I realized that my daughter 's loans were six payments late. I made a good faith effort to bring them up to date by making a payment of XXXX. 
I spoke with Navient specifically about my co-signed loans only, and not the ones my daughter and her mother had signed separately. On each call Navient kept pushing and referring to my daughter 's total loans and not my specific loan payments. 
On XXXX/XXXX/15 I Spoke Navient to reduce my payments of XXXX per month. I gave Navient my debt to income information along with my own Federal student loan debt and my need to pay medical bills for XXXX XXXX. 
On XXXX/XXXX/15 I was told my payments could be reduced to XXXX per month and then a few minutes later I was told that my daughter entered into a loan reduction program that she canceled an due to that cancellation I would not be able to reduce my payments. This is not a miscommunication it 's something else, the loans that I co-signed on were never a part of a loan reduction program established by my daughter or myself. 
On XXXX/XXXX/15 I was told by Navient that there is no way possible that I can reduce my co-signed loans, and also that in order to be removed from the loan as a co-signer that I would have to sign a co-signer waiver and pay a onetime fee of XXXX dollars in one payment to be removed as a co-signer this is not a miscommunication, if all phone calls to Navient are recorded then this would be easy to prove along with Navient 's web site that states that after 12 of on time payments a co-signer can be removed as a co-signer. 
For most of the time these loans existed I was XXXX Military XXXX, I was retired medically with XXXX and at no time was I given an opportunity to reduce payments due hardship or any other reason. If this is n't predatory lending than nothing is. Whether Military, XXXX or Just a U.S. Citizen no one should be treated in this manner. I wish I had enough money for an Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28 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 submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 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: CA

Complaint narrative:
NAVIENT is in direct violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. My complaint is very simple, once I am granted a deferment on any student loan, NAVIENT automatically reports the account as 90 days late. Now how can that be without a 30 and 60 day late payment history before it. It 's because NAVIENT uses the credit reporting system illegally, using it as a means to destroy a person 's personal credit history without merit or recourse. This practice has been consistent for decades, and I will seek private counsel to file suit if necessary. My student loans are now and have been in payment deferment since I obtained them. 
NAVIENT IS VIOLATING MY FCRA AND FDCPA RIGHTS. I DEMAND A CFPB INVESTIGATION ON THIS ABUSIVE CREDIT REPORTING PRACTICE TO CEASE THIS ACTIVITY ON AMERICAN CONSUMERS!!! 
NAVIENT MUST DELETE ALL NEGATIVE CREDIT HISTORIES ON ME IMMEDIATELY AND PERMANENTLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
First let me say, I have always paid for my homeowners insurance personally. It has never beenescrowed with any bank. My insurance policy stated the XXXX Lender was the XXXX lienholder, and they are still the XXXX lien holder. This can be verified with the XXXX XXXX XXXX XXXX XXXX Florida. Their phone number is XXXX. 

Bank of America has attempted to foreclosure on the XXXX lien, however they lost in the lower court arecurrently appealing that decision. They transferred the XXXX lien out of their name and into the nameof XXXX XXXX, on XX/XX/XXXX and therefore have no interest in the XXXX lien. InXX/XX/XXXX they notified my that they were no longer going to be the servicer for the XXXX lien and thatthey were transferred the servicing rights to XXXX as of XX/XX/XXXX. 

On XX/XX/XXXX Bank of America sent a letter to XXXX XXXX XXXX XXXX, requesting themto change their records to show XXXX Mortgage XXXX as the XXXX lien holder on my insurancepolicy. 

My issues are, Bank of America, currently not having any interest in the XXXX lien and having no interestleft in the XXXX lien, has authorized a change in my homeowners insurance, to reflect the XXXX lienhold to be a mortgage servicer/debt collect, for a lien transferred to someone else three years ago. Bankof America can not require my insurance company to alter my policy for the benefit of a company thatonly they have knowledge of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.

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 2016-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I Have been trying to modify an equity line balloon payment issue for 15 months now. I have attached the documentation that I just rec 'd by mail on XX/XX/2016, according to the documents, I need to have these returned by XX/XX/2016, this is not sufficient time, I could not get this there by then. 
Most importantly the agreement does not state the important facts, the interest rate I will be paying, whether the loan is a fixed rate or variable, the payment, or amortization schedule, and there is a capitalized amt, I have paid the int. pmt on this every month, never missed, never late.

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 2016-07-13 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 Unsecured Business Credit Card Charged off. Bank of America Recovery Services Debited my personal checking account for {$3000.00} on XXXX XXXX. Only leaving {$100.00} in my account. And XXXX was debited from business checking. I was under the assumption that they were required to leave sufficient funds XXXX for living expenses. I have made many attempts to reach the Recovery department. Calls never returned. They keep giving me the run around. I would like to at least get enough money returned to close out my bank accounts, as they are both overdrawn. Now I 'm unable to even close the accounts because of negative balance. They keep charging NSF fee 's.

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 2015-10-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have a Bank of America credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12 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: CA

Complaint narrative:
A month ago, I was charged fees by Bank of America for having Overdraft Protection and insufficient funds. After talking to them I told them I wanted to remove all overdraft protection so I would not incur those fees. I had to talk to a supervisor and he waived only XXXX charge out of XXXX. The past week I was again charged overdraft fees and when I called to complain, they said I only removed overdraft protection not all overdraft settings. And because the supervisor had previously told me about some other product they offer, at a charge, I should 've been aware and they would not refund anything else. This is a deceptive oractice to not fully educate customers on what overdraft protection and overdraft settings mean. When I said I want all overdraft to be turned off, they should do it. Instead they only removed overdraft protection and so they would still charge me overdraft fees. It 's ridiculous and close to fraudulent when they continue to charge customers. Even when the overdraft protection had worked previously they charge for that. They do not clearly define what fees are incurred, the amount of said fees, or properly inform customers.

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 2016-11-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We had a collection account for a credit card with Bank of America through XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency. XXXX offered us a {$4600.00} settlement of the debt approved by Bank of America of an original balance of {$6200.00}. We accepted the settlement with the agreement that the debt would show paid in full on our credit reports and no further obligation. We received a letter in writing from XXXX stating that the account will be considered settled and we will not be obligated to pay the remaining balance. Our credit reports were updated ; however, the balance now shows {$1600.00} instead of XXXX as agreed upon. My husband contacted XXXX yesterday, XXXX/XXXX/2016 to inquire about this. They advised that we would have to contact Bank of America. My husband then called Bank of America and inquired explaining the agreement that we have in writing. They informed him that the balance will remain unless we pay it for XXXX to 10 years on our credit reports. He explained the letter we have in writing that says it is settled with no further obligation. They continued to state that the balance would remain. My husband called back a 2nd time to speak with someone else and received the same answer. Based on this response it appears that we were misled and lied to by both XXXX & Bank of America per the agreement.

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 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CA

Complaint narrative:
The debt to XXXX XXXX is a checking account and credit card which is well past the 7 year period a person has to contact them. The company, as of recently, trying to collect the XXXX XXXX debt for pennies on the dollar is : From address : Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Return address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I had already sat in a XXXX XXXX branch, with a customer service XXXX, and spoke over the phone with another customer service specialist regarding this debt collection stretching past the 7 year period which I have proof of from a 2006 credit card statement. 

According to " Jefferson Capital Systems , LLC '' they will take XXXX % of the money owed and it will be paid off. From other people online who have fallen for similar debt collection agency tactics it does n't work. XXXX pulled that on people and they are now in a class action lawsuit. These are not fair debt collecting practices, especially regarding the recent climate of the jobs market 4 to 5 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in XXXX of 2014 I contacted Bank of American in regards to XXXX payments I made. I made a payment in XX/XX/XXXX and then the following month in XX/XX/XXXX. I was told the payment was XXXX days late. I am very upset because I been a loyal customer with Bank of America for XXXX years and I have never been late on my credit card bill. And I always pay my bill before the due date. They did nothing to help me and they told me I was late. I told them I was not I asked them if they could remove they late fee or reverse it and they told me no. As a loyal customer they should have done it anyway. I have an excellent bill history with them and they did nothing to help me and were very rude as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-03 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:
in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has made false and or erroneous claims of a pattern of late payments alleging that all my accounts are late. In a letter I received on XX/XX/XXXX Bank of America said they closed my Bank of America Visa account which was paid off. Record will show that we maintained an excellent credit rating up until XX/XX/XXXX. The issue is not with all other accounts it is with XXXX account Bank of America Home Equity line of credit. XX/XX/XXXX I received a letter from Bank of America informing me that my Home Equity line of credit will change from interest only ( approx. {$370.00} per month ) payment to principle and interest only ( Approx. {$780.00} per month ). I reached out to Bank of America and applied several time for a home loan modification but was rejected because I was current on all my accounts. I have on several occasions requested that Bank of America extend my interest only payments until the value of the home increases which will allow us to refinance our home to reduce our monthly payments. Earlier this year we tried to refinance our home through Bank of America but was turned down because there was not enough value in our home. My First mortgage is current along with all my other accounts. We have continued to make our monthly payment on the B of A Home Equity Line of Credit at the same payment of the interest only amount. Bank of America has turned us down for four home loan modifications. Bank of America customer service staff has threaten to begin foreclosure procedures if the payment are not brought current. I strongly feel that Bank of America is dealing unfairly in their home loan resolutions.

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 2016-12-19 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 OBTAINED A LOAN IN XX/XX/XXXX FOR MY DAUGHTER AT XXXX, THE STUDENT LOAN HAS BEEN ON DEFERRED STATUS SINCE THAT TIME AND WAS THROUGH XXXX. REPAYMENT IS NOW START TO BEGIN ON XX/XX/XXXX. THE LOAN HAS BEEN SOLD TO NAVIENT. NAVIENT IS TRYING TO COLLECT A LATE FEE THAT THEY SAY WAS CHARGED BY XXXX. THERE IS LEGALLY NO LATE FEE DUE AS THIS LOAN HAS BEEN ON A CONSTANT DEFERRED STATUS UNTIL NEXT YEAR. NAVIENT IS TRYING TO COLLECT A FEE THAT THEY SAY XXXX ASSESSED AND NAVIENT WILL NOT REVERSE THE {$12.00} AND WANTS ME TO PAY IT. I AM NOT LEGALLY RESPONSIBLE FOR THIS FEE AND NAVIENT IS ILLEGALLY TRYING TO COLLECT A FEE I AM NOT LEGALLY RESPONSBILE FOR. THEY HANG UP ON ME ( SUPERVISOR XXXX HAS ) AND WILL NOT ISSUE A CREDIT ON THE ACCOUNT FOR THE {$12.00} FEE.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My debit card was stolen. Within 24 hours the thief hit XXXX ATMs, a gas station and an expensive restaurant. Bank of America has denied the claim saying the thief had the pin and suggested that I had given it to someone, which I had not. Then BOFA said the thief did n't keep checking the balance like most thiefs would (? ) suggesting I did it? They wont even check camera activity. They refuse to provide me access to any investigator, any consistent single contact ( just a customer service associate always from some other city and state ) by first name only. I have written them ( to a fax number ). They wo n't give me any supervisor name or manager name to talk to. When I go into a branch office of BOFA, all they do is pick up the phone and call the fraud department, explain that I am sitting there asking about the claim and then they accept their measly answer of its being investigated or now, the claim has been denied. I am at wits end. Can you please help me? This was a lot of money and it was the only money I had. Now I am in dire financial straits and I am struggling. I am borrowing small amounts of money to get by on to supplement my XXXX income now until I can begin to recover from this somehow, someway. Please, how else can I get BOFA to right this wrong?

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 2015-09-19 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: IL

Complaint narrative:
Hello, I have XXXX private loans through Naviant equal to a little over {$100000.00}. There have been multiple times where they have mishandled my account, providing false advertisement, charging incorrect fees, and harassing me at my work place. This past incident has sent me over the edge. Back in XXXX I was in the hospital for 3 days. I had been trying to keep up with payments, and finally was able to get a case manager. I supposedly entered into a lower interest rate payment plan, which would automatically take out the amount due from my bank account each month. I was granted access into the program because of my hospital stay and the resulting bills. Fast forward to a few weeks ago. I check my balance online and it says that I owe {$3000.00} and that I 'm 2 months behind in payment. This does n't make sense because I am enrolled in the lower payment option for at least 3 months. My bank account can prove that they have been taking money from my account every month. I have tried numerous times to contact them via phone and email and mailing address. So far I have heard nothing from them and my account has not been fixed. They have been negatively reporting on my credit score, and I do n't know who else to contact. I am making payments and I am going to graduate school at the same time. I will make one last attempt to contact them and get this problem resolved tomorrow. If I do not get a solution from them, then I will be contacting my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: MT

Complaint narrative:
1. I did what Navient said to do, write on a piece a paper on which account you would like to make a payment to-instead of the normal payment, I wrote the amount the check number and wanted to pay off one of the loans in my consolidated loan. So I did, then got a statement showing Navient put the money towards both the loans, I called them not once but twice and talked with a manager they said they were sorry and that I would not have a payment until XX/XX/XXXX. 
2. Just received a letter for forbearance, which I did not request, I called immediately this evening and found out that a customer service agent did this, then XXXX the other service agent said the other service agent made a mistake. l asked her to send me a corrected letter and made sure that my loan, and my fixed interest stayed the same. 
I have had this loan for about 15 years it has been sold and bought many times, this is the worst company, I would like a different service provider.

Company response to consumer: Closed with explanation