vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I took out my Bank of America credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points. 

When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all. 

This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.

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 2015-08-05 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: MN

Complaint narrative:
Navient is my lender for private student loans and also services my DOE and federal loans. My private student loans are behind because they wo n't work with me to make them affordable. I use their website to keep my federal and DOE loans, but they have locked my account. After several calls, they wo n't issue me a temporary password to access my loans online until my private loans are resolved. Now my federal loans are behind because I ca n't access them to make a payment. Navient has also repeatedly called my parents and told them that they will be taking legal action against them even though they are not cosigners on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Hello, I am a victim due to Bank of America 's actions. I am currently a XXXX year attending the University XXXX, and during my XXXX break, I was actively seeking for internships. I applied through XXXX XXXX, and one day I received response from one of the companies. That day the company and I had an virtual interview via XXXX. The next day, the company talked more about my details and issued a check which should be used for the virtual internship that I will be doing the XXXX. However, they told me they wanted me to begin training now. After depositing the check, I felt that something was wrong. So I did research and found articles that this internship could be a scam. So immediately I canceled the deposited check or tried too two after it was deposited. However, Bank of America immediately closed my account. I called Bank of America to explain the situation and they told I could do nothing since the check was fraudulent except of mailing evidence to their Risk Management office evidence that I was innocent in which I did. I just think this situation should be reconsidered because I have not used any of the money from the fraudulent check, I tried to cancel the transaction, and that since I am a college student almost about to XXXX a bank account is needed for me ...

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 2015-07-06 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: IL

Complaint narrative:
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a Company called SWISS COLONY ASHRO and Another company called XXXX XXXX XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with SWISS COLONY ASHRO and XXXX XXXX XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with SWISS COLONY ASHRO or any of it affiliates. 
I am requesting that SWISS COLONY ASHRO and XXXX 'S XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX XXXX XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name SWISS COLONY ASHRO with same account number XXXX stating that I was owing them. This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted XXXX AND XXXX REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX 'S and SWISS COLONY ASHRO reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and XXXX kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was congratulated on my mortgage modification. But the bank did not disclosed the new term and the percentage rate of the loan. I 'm still at 8.5 percent and 11 percent on loans. I 've been dealing with them for over a year now they are just doing nothing. I have an XXXX child and I have XXXX. I have been feeling as this is a JOKE to them. The bank is not treating me with any respect and they are not willing to help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received an unsolicited BankAmericard reward card.

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 2016-04-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a demand letter from Pioneer Credit Recovery , Inc. on XXXX/XXXX/2016 for {$740.00}. 

I am disputing this debt it does not belong to me and I will not pay it. I have been contacted several time by mail and by phone in a attempt by Pioneer for me to pay this fraudulent debt. 

This debt is a result of Medical Fraud, by a criminal who has used my Identity to receive medical care.

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 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Bank of America on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, BOA reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this 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 2016-06-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I can not pay my payment as co-signer on my daughter 's loan without being automatically signed up for automatic draft from my checking account. When I attempted to pay over the phone I had problems and was put through to a representative and was told that they could not accept my payment over the phone without collecting a {$14.00} " courtesy fee ''. The loan was initiated with XXXX XXXX and sold to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Have tried for the past 1.5years to negotiate repayment plan with BOA/XXXX without success

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-28 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: PA

Complaint narrative:
5 years ago, when I was supposed to start making monthly payments on my private student loans. I called them and explained that I can not afford the monthly payments. I simply do n't have the money. I offered to pay what I could, {$100.00} a month, and they simply denied it. I gave up and my loans are now in default, and have been for some time. I was hoping my employment situation was able to get better and it has n't. XX/XX/2013 I had to declare bankruptcy. Since student loans are not able to be discharged, i was stuck even though I could n't afford them. Now it has gone to the litigation department and i still want to try and wotk out a payment of {$100.00} a month because thats all I can afford. I called them and am still waiting to hear back. I am making monthly income based repayments on my federal loans because they understand my financial situation. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Comments Complaint of Wrongful and illegal Foreclosure I XXXX XXXX need your help, in finalizing my loan modification that 's has been approved by bank of America Home Loans ; however the Bank of American attorney has repeatedly tried to sell my property out from under me through Sheriff Sale Auction even though I was approved for modification on or around XXXX/XXXX/2016. 
I'am concerned that the judge and magistrate in the XXXX XXXX XXXX XXXX Court Case # XXXX is showing favoritism towards the attorneys for bank of America and continuously have not answered or addressed any of my motions which I have attached to this cover letter. I am currently still working with my relationship manager at bank of America XXXX XXXX to get this matter resolved but she seems to go back and forth concerning the approval of my loan medications My Relationship said she spoke with the bank of America attorney to hault the sale but she stated the attorney moved forward anyway. 

I XXXX XXXX really need your help and assistance to keep and redeem my property from for closer, please see my motions I filed with the court attached to support my case. Thankyou for your consideration in this important matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX Ph XXXX XXXX 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 2016-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient Refuses to lower my rates. XXXX XXXX had no problem with lowering my monthly payments. Its gone from being XXXX dollars every paycheck to XXXX a month. I 've go XXXX XXXX kids to take care of and this " resolution '' to them is not what it is. Navient will only lower my payment if I create a modify my loan to a direct loan with them. This sounds very illegal and I have no idea on how to request a different company take over my loan. I would like help in finding out if I can transfer my loan to a more reputable company or get some kind of lower rate on a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 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: MI

Complaint narrative:
My interest rate has increased on a student loan on that I had a locked in interest rate previously with XXXX XXXX at 8.75 % and now it has increased with Navient to 9 %, which they say is due to 'libor rate ' which is not what was told to me in the several recorded phone calls I had with them. In addition, since I paid 'in advance ' a one time lump sum payment of $ XXXX, it is now nearly impossible to make an automated payment over the phone and when I actually get a representative on the line, they want to charge a fee of {$14.00} for taking a payment over the phone!! Not to mention their practices of not including, all in one area ( even online ) how much I pay, the interest that was paid and my new balance - this information is separated and spread out making it beyond difficult to keep track of my principle balance!! This has been the worst experience ever trying to pay off this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: DISCOVER BANK
State: FL

Complaint narrative:
I received an pre-authorization offer for a personal loan with Discover Personal Loans through XXXX mail with a potential interest rate as low as 6.99 %, as I am a current Discover Card account holder in excellent standing and with excellent credit. 

After going through process, I was quoted an interest rate of 16.99 % - XXXX more points than the pre-authorization. 

I only had XXXX hard inquiries on my credit, before Discover. Being a Discover Card holder, I am not sure why a hard inquiry was needed, when a soft inquiry would have been sufficient. Now I have XXXX hard inquires on my credit report. 

Discover 's hard inquiry, alone, dropped my FICO score by XXXX points. I had a FICO score of XXXX before Discover did an inquiry. I am asking that the hard inquiry be removed from my credit reports. Had I known that my credit score of XXXX received an interest rate of 16.99 %, I would have never applied for the personal loan to consolidate my other credit cards ( with interest rates of 12.99 % and 10.99 % ). Nor should Discover have needed to pull my credit, seeing as I am a current customer in good standing. 

I have asked Discover to remove the hard inquiry, but am not making progress with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: ME

Complaint narrative:
I 'm a co-signer on a private loan with Navient. Recently, the borrower, myself and the servicer have made arrangements to consistently pay the loan with automatic debit payments every month. Even though the payments have been received, the online account continues to show payment delinquency & late fees. This causes multiple phone calls to the borrower as well as myself, the co-signer every month. I 'm tired of the continuous communication with the loan department even though we 've reconciled the account numerous times. It is bordering on harassment at this point because Navient can not get their technological affairs in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: MI

Complaint narrative:
I still have several loans that have been paid off and have a {$0.00} balance but are still showing as an open account on my credit report. They are also showing the status of late which is hurting my credit score since they are not late and have been paid off for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America is putting items on and off credit reports without any notifications. Account ends in XXXX and should read paid as full.

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 2016-08-04 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: CA

Complaint narrative:
I joined the XXXX in 2015 and my loans from NAVIENT were not deferred. I was reading your website and it says military Members are eligible for deferment during XXXX XXXX. 
NAVIENT is claiming that they are not required to defer during my time in XXXX and military schooling. 

Is this true and what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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: MA

Complaint narrative:
I had a credit card with Bank of America and was never late with a payment I was hospitalized in XXXX 2013 and released in XXXX 2013. I went to the branch on XXXX XXXX XXXX in XXXX Florida 2 days after my release to make a direct payment. I was assured by the branch associate that my payment would be posted and my account was still in good standing. The following month the account was closed before my next bill due date

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 2015-05-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I LIVED IN AN AREA WHERE I COULD NOT RECEIVE A SIGNAL FROM XXXX SO I CALLED XXXX AND TOLD THEM. THEY TOLD ME TOUGH YOU SIGNED A TWO YEAR CONTRACT. SO I WENT TO ATT AND IT WORKED FINE -- I COULD N'T SEE PAYING FOR A SERVICE I COULD N'T USE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 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:
Navient was completely unresponsive to my messages and calls regarding payment option. I tried to see if a modification or option to pause my loan was available and they simply said no. If you do n't pay it will mess up your payments history. No alternative options are available. This company was horrid to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I attended XXXX, which this school has since been CLOSED DOWN, and Navient keeps contacting me to repay my loan, but after reading all of the complaints about Navient I am hesitant about starting a payment plan with this company. I feel as though I should not have to pay off a bogus student loan when the school I attended was not a legit school

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: WA

Complaint narrative:
There have been multiple times I was put on forebarance. Even while I was in school. They reported negative items on both mine and my co-signer 's credit reports and told us that she was still responsible for making payments even though the loan was in forebarance. I have made extra payments multiple times that just extend to the next due date rather than paying towards the principle. I have called and mailed letters to Navient, now I am working with a credit recovery company and they are still not responding.

Company response to consumer: Closed with explanation