vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am a Bank of America customer and was planning to travel to the XXXX XXXX on a cruise. I notified Bank of American on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Bank of America debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc.
State: IN

Complaint narrative:
My daughter, age XXXX, brought me her phone after returning home from school. She said " somebody wants to talk to mommy '' It was a very unprofessional woman asking for personal information. I instructed my wife to not give any information to the woman and end the call. The woman abruptly ended the call and called by 15 seconds later ( for the 5th time in the same day ) - I instructed my wife to give me the phone and I attempted to get her name and employee number. She refused to give me her name and employee number. I asked to speak to her manager, at the agents advice, but Again was rebuffed. She literally said " I can see your intelligence '' after repeating my demands several times. She abruptly ended the call once again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I co-signed on my daughter 's college loan several years ago. Navient, who purchased the loan, has robo-called me at least XXXX to four times daily about repayment with requests to call XXXX at XXXX to work out payment plans. My daughter has a statement that repayment does not begin until 2017. How can I stop these calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 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: TX

Complaint narrative:
I am a XXXX with private loans. Navient has been calling me to request that I start repayment, since my grace period of 4 years is over. I have spoken to them several times and have described my situation as follows : I am still in school. My program does not allow me to find work besides the assistantships that they require me to fulfill ( this is standard in the field in which I am pursuing my degree ). As a result, I am unable to procure for myself additional income. This is of importance because my stipend only covers my basic necessities. I have gone over my finances with them multiple times, in detail. I have shown that I am unable to repay at the moment. Whenever I offer to pay the amount that I am able to pay ( $ XXXX- {$100.00} per month ) they have rejected it saying that it is not enough. They claim that they are willing to help, however, in the end, if I do n't pay the minimum amount ( which I can not afford ) they will not compromise. In addition, I have colleagues that are also past their 4 year grace period and they are not being asked to repay. This fact is only to say that I wonder why I am being targeted and why they are unwilling to work with me. I wish that I could talk to someone to make an appeal, but I am only ever able to speak to associates that pressure and harass me and do not try to work with me on this issue. 
I would greatly appreciate any help. I am not trying to get out of repaying, I just have not completed my program and I worry about next year also because I still have one year of internship to complete, where my income will also be limited. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CA

Complaint narrative:
When I call to speak to customer service I am told one thing, then a month later I started receiving phone calls and emails telling me I was in default and my wages would be attached. I called customer service again and they stated that they have no record of payments or my calls. I ask for options, I am given only one option with a flat payment. I am told I do not qualify for the non-profit employment option. I tried to file for financial hardship due to assisting a family member, I was told that does n't matter. I said I had to get a second job and the payments I was making every two weeks was not sufficient. Absolutely no help or consideration, all they wanted was information on my second job. XXXX is my college.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a cashiers check for {$2900.00} into my Bank of America checking account. Bank of America placed a hold on the cashiers check to ensure that the check was good. After a few days, the bank cleared the check and the funds were made available to me. I then called the bank to verify that the check was good and the money could be spent. Bank of America confirmed that the check was good and the money could be spent. After I spent the money, Bank of America notified me that the cashiers check was fictitious. Bank of America now wants to collect the {$2900.00}, plus fees, from me. I do n't think this is right. Please help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1.This is regarding case number on file # XXXX & XXXX. Bank of America sent XXXX letters dated XX/XX/2016 and I received today. Per my XXXX above complaint file number, as mentioned per Bank of America and at the same time in these XXXX letters, there was returned payment. I am requesting and demand that Bank of America sent proof from bank that there is returned payment for both amount to confirmed in writing by bank that such returned was on certain date to finalize. I am attaching these XXXX letters for your record that you can investigate Bank of America of such. These will be sent via fax to you at XXXX with a cover letter. 
2. Desired resolution is that Bank of America have to get it done as requested with written letter confirming the return payment from the bank with the letterhead showing as coming from that certainspecificbank. 
3.My information have all on file with above mentioned case number. 
4.This is regarding Bank of America fraudulent adding, deleting, removing, closing account, changing numbers of balance of credit card account. 
5.I want the public to know that this is going on with the banking system within Bank of America XXXX corporate office do not answer calls and customer service calls roam around the world!!! ... minimize call center at least to where the corporate office is so that callers can be confident that it is not coming from fraudulent group of people in operation against the public and that there will be given address and phone numbers online or on the statement.

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 2016-01-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
A forbearance was process on my Private student loans serviced by Navient Inc for the XXXX 2015 to XXXX 2015 time period. Navient reported my student loans as 90 days past due as of XXXX 2015. I contacted the Executive Offices at Navient to update this reporting error and they refused. I 've attached a copy of the e-mail correspondence from the Navient representative which clearly states that a forbearance was processed on my account and therefore there is no way possible I could be 90 days past due in XXXX 2015. 
According to a recent FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( the identical situation I am currently in ). 
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of 2015 that any subsequently initiated deferments and or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 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: MA

Complaint narrative:
B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to " XXXX '' and " XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, " We are no longer having overdraft fees. " I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 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: PA

Complaint narrative:
I requested a deferment until I found a job that I could make the payment and the principle triple in the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My interest rate has done nothing but go up and I feel I am being taken advantaged of at 12.12 % interest rate. This was for college. Navient has refused on previous attempts to refinance. As a student with no loan knowledge, things were not properly explained. Nor have I received any notification as to why my interest rate keeps rising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX account with Bank of America.One account is a primary checking another checking account and also a Money Market account. Last month XXXX XXXX XXXX fees were added to my account by the bank.They added XXXX and a additional XXXX monthly fee. I called the bank to complain about this. They told me they added these fees because I had to many withdraws. I was told by a second representitive that they could refund me some of the money the bank had charged me. This person tranferred me to another representitive and they said there was nothing they can do to help me. I have had this account since XXXX and they did n't ever charge me. I ask them to not put additional charges on this account due to no activity since the month it happen but there has been another XXXX dollars fee added this month.

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 2017-02-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I first spoke with them while I was on welfare and financially unable to pay. I spoke with a women named XXXX and her supervisor, a XXXX. They stated that if I paid a part of it they would then help me to place the account in some status where they could not collect, I stated that I was going to dispute the original loan, due to the other party not upholding their side of the contract, and expalined the whole problem to them, they continued to call, sometimes as early as XXXX, they send quite a few emails and letters to my home address. I started to work, and I contacted them to let them know, and again to state that I was going to take the same legal actions other students that had taken against the school we attended, they stated they could help me dispute it, but that they would not be able to unless I paid a portion of the debit. I also stated that I was unable to recieve calls on my cellphone during my work hours as cellphones are prohibited to use at my job, they continue to call during working hours. I have tried to find a way to legally dispute the debitbut all the information I have found advises to seek legal representation, and I am financially unable to due so, I dont know what to do now. I refuse to pay any portion of the debit because I was given false statistics on graduation 's, I was given false wage amounts for the field I studied in the area I lived in, I was also not given my certification that the school had stated would be given, even though I made the XXXX 's List, due to the schools negligence in communicating with the gov't agency that awards the certificates, nor was I given a copy of my transcripts, despite repeated requests for them. I was also not informed that the credits earned at that school were not transferrable, so I cant enroll at another school, and due to being unable to prove I had attended and graduated from this program, I have not been able to work in the field I studied. The school was XXXX XXXX, part of XXXX Colleges, who have now filed for bancruptcy. I am not sure how to dispute the debit, and I have continued to call Navient and explain the situation, I have requested that they transfer me to this dept that they state they have that can assist me in dispiting the debit, but they refuse to do so unless I pay part of the debit. So, I am unsure now, what to do, or what options are available to me. I also feel it is unfair for them to have continued to charge interest among other fees during the time I was on welfare. And there is no contact information that I can find to speak directly with the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has not provided me with original copies of their XXXX XXXX, 2016 correspondence addressed to me. This is not the way to conduct business during the modification, loss mitigation and workout processes. I want original written communications from Bank of America at all times, not a copy of a faxed version of an original written document which is what I got.

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 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Hello. My daughter went to XXXX, a for-profit school out of XXXX. We were given no financial aid right out of the gate so we took multiple loans in my name ( her mother ) -all Federal in the beginning. The school had defrauded us by saying they will place her in an externship making good money, she made $ XXXX/hr on her XXXX ... not nearly enough to start making payments on the loans. The school told us it had a XXXX % job placement after school. That was also a lie. The school also told us it was accredited. Upon her trying to further her education down the line, it is now known the schools accreditation is lost and her credits are not able to be used as a base for furthering her education. The degree that we continue to pay for is utterly useless as no one accepts these credits. We were looking into Loan Forgiveness from being defrauded by the school, but were told since our Federal Loans were consolidated into private loans and they could not assist-even though the loans originally were federally backed. I have asked about Income Based / Income Sensitive repayment, which works for a time being all the while not touching the total amount due and tacks on interest, etc. and is not a solution by any means. I have extended repayment already and as long as it goes just to get the payment down and even that payment we struggle to meet every month. There needs to be a resolution here and we did n't realize that going to a for-profit school would become this kind of a hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that US Department of Education reported a late payment regarding my account XXXX I am requesting that this late payment be assessed for accuracy. 
I believe this reporting is incorrect because I 've received payment summary for the last 5 years enclosed. I have included the documentation to prove that I made payments during this time / that my loans were in forbearance/deferment and did n't require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank You. XXXX XXXX Loan Account # XXXX Loan Account # XXXX Correspondence Address Sallie Mae XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX

Company response to consumer: Closed with explanation