vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-08 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: AZ

Complaint narrative:
Multiple times I have attempted to pay down my student debt which is held by Navient, only to find that my attempts to pay did not work. The website did not correctly apply the amount I wanted to pay. This issue occurred more than XXXX times. I would be under the impression that I completed a payment and then I would go back a few months later to find that the payment did n't go through. The first time I assumed it was user error, but after that I was very careful about completing the process. XXXX further times, after making sure I completed everything the payment did not go through. A fellow student was having the same issues so we got in contact with a customer service representative and they were less than helpful, telling us it was obviously an issue on our part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have charges from bank of America that was fraud and they do n't want to resolve it

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 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been applying for bank accounts and have been denied. 
XXXX and Bank of America are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Bank of America account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ;

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
For the last 5 years Syndicated Office Systems and Central Financial Control has been putting duplicate debts on my credit report. I have attempted to dispute but was given the run around. These two companies have a total of {$19000.00} on my credit reports when they have only verified XXXX account for {$2300.00}. I have paid a few grand about {$3000.00} over the last few years only for them to never update my report or lessen the amounts. I am aware of a lawsuit against them and want these removed. They have ruined my life making credit hard to obtain because of the false information they have reported. I have attached my credit report that shows the same amounts being reported by the same company under differnt names. This has been a nightmare and they have been absolutely no help.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 — Having problems with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I ca n't make online payments through the Navient Website. I spend most of my time overseas and every so often when a payment is due I ca n't access the website. I have complained about this before.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
If you close a Bank of America checking account, and had paperless statements, you loose access to all your records for that account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
. I live in XXXX.. My car loan was past due. I made a payment on XX/XX/2016. My car was taken that night. My response from XXXX on XX/XX/2016 I explained that registration was due then insurance in order to maintain the vehicle, then payment was made. He stated that payment did not post and that I would have pay XXXX plus any applicable fees in order to get my vehicle back. This would have been understandable if I was not trying to maintain the vehicle legally and made payment.I feel due to the circumstances this shiul have been handled differently. 

Thank You For Your Consideration, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 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: NV

Complaint narrative:
Iam filing a complaint against Navient department of education loan servicing. I have been a student since XX/XX/XXXX, loan repayments are not due until you finish school. Right now Iam under the loan forgiveness program because Iam unable to start making payments. I have called every month for the last 5 years to indicate if I need I am able to make the monthly payment or if an extention is needed but the agent forgot to update my account and now my credit report is showing XXXX derogatoring marks, that is drastically affecting my credit. Navient is reporting that I have XXXX late payments for XX/XX/XXXX, and that is not correct. I have tried contacting them sending them letters to fix and delete the mistake made by their agent and I get no response from them! I have asked them in several occasions to please mail me the copy of my forbidance letter and they never do!! All they send is a summary of the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Today I received a letter from Bank of America dated XXXX XXXX XXXX. When I called the phone number on the back of the letter and I entered the last XXXX digits of account closed in XX/XX/XXXX, it said my first name and then said it was being " consolidated '' at my request!!!!! What? I asked the persons in XXXX ; XXXX and XXXX as I was bounced from state to state and disconnected again and again : where are the XXXX credit card statements I was promised two weeks ago? I was told they would be mailed so I can forward them to the XXXX credit reports - some of whom have already removed it based on the date alone. But others are miscommunicating the term " correctly reporting on your credit file '' which not true! Now - today - Bank of America has stripped their own computers of the furnished payment information in each month in XX/XX/XXXX and XXXX XXXX ; such that the bank 's responders to disputes ca n't see what they furnished in XX/XX/XXXX that is still on my credit report. Bank of America fabricated phony credit card statements to show the XX/XX/XXXX closing by me. However, they ca n't create documents in XX/XX/XXXX, as promised two weeks ago? The bank is hiding the fraud on this account by deleting the furnished data. That is fraud. The envelope received today did not come from XXXX either, despite the return address. It has been an annoying habit that letters are mailed from Bank of America from states other than the one it is written from. I suspect this is the bank 's way of avoiding the Attorney General of the state listed from having jurisdiction on the matter. This is compounding an already disasterous situation for no reason. The letter in no way allows a customer to talk directly to the place listed on the letter. Clearly, it was a fake form letter.

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
Consumer complaint received 2017-02-15 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: CA

Complaint narrative:
Navient took over my private student loans from XXXX. Nether of which are willing to help me get a payment plan that is reasonable. They have only pushed the matter of given them XXXX dollars right away and they will stop the interest rate from going up. My interest rate is almost 7 percent now on my student loans and it goes up everyday. 

They have told me to sell my only car to pay them, they will not work with me and have hung up on me several times. I just want to pay a reasonable amount on my student loans. XXXX dollars a month for owing XXXX dollars is not reasonable especially when i have XXXX children and we are on a single income. They do not return my emails and do not call me, they have put me in forbearance and than removed me with no warning and immediate throw something on my credit without a phone call, email or letter by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: NJ

Complaint narrative:
For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I went online to Bank of America ( BoA ) credit card website to payoff the full amount due. The website indicated that the full amount due was {$7100.00}. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a XXXX balance - it showed that I owed and additional {$38.00} due no later than XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I called BoA and spoke with a customer service representative, " XXXX. '' She transferred me to her supervisor, " XXXX XXXX, '' who identified himself when asked, as a " supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due, on the day that the consumer signs onto the account, is NOT the actual amount that must be paid to XXXX out the account. 
XXXX XXXX explained that despite this failure to inform the consumer on the website, BoA refuses to credit the {$38.00} because somewhere in a revised terms of service, which he said was sent out in XX/XX/XXXX, it explains that if the consumer wished to pay off the full amount owed, the consumer must call BoA to find out the real account balance. 
I explained to XXXX XXXX that the failure to provide this information on the website -- in the " Pay This Card '' dialog box that pops up to allow the consumer to click on the " Make Payment '' button, and enter an amount to pay, is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance, and he refused to do so, again restating the explanation in the paragraph above.

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 2017-01-24 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: MN

Complaint narrative:
This complaint is about Navient. www.navient.com. 
This loan in in my daughters name with the complainant who is the parent and cosigner. 
My complaint is : 1. unfair interest charges I understand that interest is charged daily, how can a additional payment a day later have multiple days interest? Furthermore, the payments can not be be directed to pay off he smaller account or be directed to principle only. In a XX/XX/2016 and XX/XX/XXXX phone call to Navient, I asked for a detailed analysis explaining my account, exactly how the interest is charged and the agent refused stating it was on the web site. What is there, is not clear. ( Shocking ... ) 2. Multiple accounts still show even though a consolidation was completed ( subsidized and un-subsidized ) and payments or additional payments can not be directed to pay off either the other loans or directly to principle. Multiple accounts means multiple credit account history. If there are XXXX showing on the account summary, I expect XXXX to be reported on. In this case, they state XXXX account and multiple are reported. This is inaccurate reporting. On this matter, I discussed this with Navient that it was showing multiple accounts and that the consolidation should then close out the paid off loans. The Navient CS agent agrees, and states that it really is not multiple accounts, just their way of accounting. Makes no sense. 
I believe this is predatory lending behavior. As a parent and cosigner, I understand what my responsibility is. it appears to me this institution is making this loan nearly impossible to repay. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I 'm trying to avoid foreclosure with Bank of America. I 've called multiple times to get a payoff and left voice mails with my phone number as well as my e-mail. No one from Bank of America has responded. I put up my home for sale, and need the payoff information.

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 2015-07-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Me and my wife were unemployed since XX/XX/XXXX and both got job XX/XX/XXXX. Bank of America, unwilling to help with past due amount of $ XXXX, even we have a equity in the house for over $ 200K and accelerated the loan and filed for foreclosure. They have done the same scam in the past with different home, pushed us chapter XXXX and chapter XXXX bankruptcy and now they are trying to push us in chapter XXXX bankruptcy. The Bank of America ( BofA ), ripping a part of family with XXXX little XXXX XXXX children involved. The BofA, keep changing single point of contact, asking same documents multiple time, accelerated the day we got the job, coming our house, keep taking pictures, sending people, realtors to my house and listed in the court house for foreclosure. The BofA, got lot of federal assistance and unwilling to help XXXX XXXX citizens. We need assistance in modifying past due amount to catch up and please help us in stop the foreclosure & scam of BofA. As we all know US Attorney general sued BofA for irregularities of XXXX XXXX dollars grant by XXXX XXXX US Attorney general. I called making home affordable.gov and various other federal and state agency I see no hope of help to XXXX XXXX citizen family. I can be reached at : XXXX and my email address is : XXXXXXXXXXXX. We need your department help and save XXXX XXXX citizen family kindly. We do not to become homeless, loose life time savings of $ XXXX. The BofA, deliberately ruined our credit by not providing help and assistance even when they federal money sitting in there bank to help american citizen. President Obama, giving money to banks, but the banks are not helping. Please help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I was initially interested in getting a car loan, but the bank representative gave me a home equity credit line for a much higher amount than needed without fully explaining what it entailed. I made my regular payments on-time, but then received a bill for 3 times the amount of what I normally paid.

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 2016-08-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been working with Bank of America to save my home from foreclosure. I am completely XXXX in that I have XXXX as well as XXXX case that has rendered me unable to work. My husband also recently lost his job and is on unemployment. I recently was approved for XXXX benefits. Bank of America was aware of my situation and not only that, my file was active for short sale. The sale of XXXX/XXXX/16 was to have been postponed due to the active workout status but Bank of America sold the house and they are now refusing to revert it back to me and my husband. They had no right to illegally dual track, on the one hand have me in active work out status and then turn around and sell my house. They are discriminating against me because I told them I have difficulty getting certain documents to them and now, without any notice they sold my home. I have a XXXX year old ion the house and now with this foreclosure, we are going to be homeless, and I do not know what will happen. They have destroyed any possibility of me getting a new place to live and slapping me in the face with a {$2500.00} offer to move out of a home I have been in for 10 years. I also am a XXXX veteran, this war with my lender is not like any other. Bank of America even as of last week sent me a letter requesting that I provide certain documents to them for the work out, so why are they not rescinding the sale so they can actually help me and my family. Please HELP. God Bless you and God Bless America, do n't let these lenders put us out on the streets, I fought for my country.

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