vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-15 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: MD

Complaint narrative:
I have XXXX private student loans managed by Navient and I have made student loan repayments to them for over 3 years. Recently, they enrolled me in a special repayment program started from XXXX 2015. Navient & I both mutually agreed $ XXXX monthly payment at 3 % interest to cover the XXXX private student loans mentioned above in order to bring my XXXX student loans into current. I set up auto debit with Navient and they have withdrawn XXXX payments with total of {$1200.00} from my checking account. After withdrawing the first payment on XXXX XXXX, 2015, their staff called me and told me that the previous staff & supervisor did not set up the program correctly, then she cancelled the program and re-enrolled me into another one. A month later, Navient took out another {$630.00} from my checking account on XXXX XXXX, 2015. A few weeks later after second payments withdrawn from my checking account, their another staff called me and told me that the XXXX previous staff did not enroll me into the program correctly, then she cancelled this program and re-enrolled me into another XXXX again. Today XXXX XXXX, 2015, XXXX from Navient called me and told me that the XXXX previous staff ( again ) did not enroll me into this program accurately and the total of {$1200.00} that Navient took out from my checking account did not apply to my qualifying XXXX student loan accounts as initially agreed, resulting the XXXX accounts in delinquent / past due. XXXX told me that she will re-enroll me into another program again... I 'm really frustrated that Navient & their employees have keep calling and telling me that their unqualified staff keep making mistake on my accounts. May I request further investigations on their operations as I believe they are systematically commiting fraud. After over 3 years of making student loan payments to XXXX / Navient, my current balance is almost double original amounts that I got loans from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 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: RI

Complaint narrative:
I have been a customer of Bank of America for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my BOA checking account. 
The other day I signed on my BOA account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted BOA thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my BOA checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling BOA on anything has been shown to be anything but easy. 
I have done nothing to warrant BOA actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with BOA has been the same. BOA did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a BOA credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? BOA is without a doubt the worst bank I have ever dealt with.

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 2016-09-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am asking for you to look into this account with Bank of America that has stayed on XXXX XXXX. I have kept an account open with BOA, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.

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 2016-02-16 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: TX

Complaint narrative:
I went to XXXX XXXX and told them I was interested in XXXX. They convinced me that the XXXX would be the best fit for me and get me the education I needed to become a XXXX/XXXX. I took out a federal loan for a little over {$2000.00} to cover the Dell Laptop they were providing and a private loan for over {$16000.00} to get me through the XXXX semester. I was NOT provided a syllabus before the loan papers were signed. I took it on trust that the agent representing me and getting me signed up knew what the program was and was taking care of me. I was XXXX years old and incredibly naive. Upon my first day of the XXXX semester I was given my syllabus. The XXXX semester consisted of basic courses that each XXXX required to complete. It was n't until halfway into the XXXX semester that I received a syllabus for classes for semester XXXX. Upon receiving the syllabus I immediately went to the web site ( Itt.EDU ) to figure out what the description for the XXXX was as the upcoming courses were completely centered around XXXX and XXXX XXXX. The website, low and behold, had undergone a drastic update and my CAMPUS in XXXX XXXX, AR showed they had the XXXX program available. Armed with my newfound information, I proceeded to visit the DEAN in her quarters. She DENIED that the XXXX was available at our campus and COULD NOT explain WHY I had been put in the XXXX for XXXX. I immediately withdrew HALF WAY through the XXXX semester. Since then I have had my wages garnished to completely cover the federal loan PLUS high interest, and now I am receiving upwards of 10 phone calls a DAY to retrieve {$18000.00} for the private loan. Not only am I being harassed, but the references listed by my co-signer are also being harassed despite numerous requests to remove them from their calling list.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
My wife and I were victims of the XXXX in 2011. We were offered a FEMA emergency Loan for {$20000.00}, with {$89.00} a month payments for 30 years, which we made monthly payments onXXXX turned it over to a private collection agency, PIONEER CREDIT RECOVERY, INC. XXXX. They threatened to garnish our wages, and we disputed the debt, and the verification came back that we now owe {$20000.00}, when their own form says we only owe {$15000.00} They have refused to honor our requests to go back to the XXXX a month, and I think what they are doing is illegal.

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 2016-03-28 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: MO

Complaint narrative:
For over a year I have tried to work with XXXX XXXX/Navient to take care of my student loans. I am unable to pay the exorbitant amount for my students loans. I 've filed paperwork to try and pay interest only, I 've used all forbearance, and do not plan on going back to school to further my loan debt. They refuse to help me out, even after multiple financial statements the most they could lower my bill is {$10.00} when my payments total {$450.00}. After my most recent attempt they have called no less than 7 times a day, this go around it 's been the last 5 days and counting. I 've answered the phone and asked them to stop continuing to call when I 'm trying to take care of my bill but they refuse to help. I 've tried to consolidate my loans to get away from them and they are n't able to be consolidated due to the type of loan ( from my understanding ). I 'm tired of the stress of constant calls and not being able to fully pay my bill but I am trying to make some sort of arrangements that they are not willing to accept. This is entirely unacceptable and I should be able to have options to pay my loans back without defaulting, since I am willing to pay something! I have a friend who is having the same issues and they told her since her credit cards are n't maxed out she can pay her bill?!?!

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

Complaint narrative:
On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I have a student loan that is currently with Navient, They have forced me into forebearance and told me on several occasions there was nothing that could be done to lower my payments, despite knowing other people with Navient have been able to be on income based payment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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 applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. 

It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.

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 2015-05-19 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: IL

Complaint narrative:
The amount demanded far exceed what I can pay without being completely impoverish. The company refuses to be complient with my needs, therefore no payment plan is reached and no payments are made, driving up the debt exhorbitantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I filed a complaint on XXXX number XXXX I since received the following letter from BOA I want to know how I " benefited '' from someone stealing my identity and making unauthorized charges to my account? How can the CFPB help me? BOA rep 's have been the rudest, most uncooperative people I have ever dealt with. Now this letter is just a continuation of their mishandling of this entire matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23 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: NV

Complaint narrative:
I have a breach of contract borrowers defense to repayment with documentary evidence. My student loans are in good standing with Navient. Navient refuses to place my loans in forbearance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Senior discrimination at its worst. After forgetting my online login information for Citibank credit card account I called service number to have it unlocked. I used my granddaughters cell phone because the volume on my house phone is to low, because I called using her phone the costumer service rep put me on hold for almost 20 minutes to create a fraud notice on the account ( find this out about hour later ) after being transferred 3 times and left on hold over 30 minutes at one point trying to have my issue resolved. This caused extreme frustration called a different Citibank department to have the card shut down service rep became incorrigible why I became confused and asked them to speak up as I could not hear them well was placed on hold another 20 minutes and told they would not shut down my account and that no one at the company had the authorization to close an account. That seems ridiculous, considering calling a lawyer.

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 2015-05-16 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:
I was told over the phone ( about 7 months ago ) by a representative that my private loans had a forbearance window of 36 months over the life of each loan. This turned out to be false, and only applies to my federal loans. This realization forced me to drop my teaching job in XXXX and return home immediately, effectively wiping my savings ( because I had to buy a plane ticket right away ). I am now currently unemployed because I needed to return home, because my XXXX salary could not or can not pay for the monthly loan payment. My loan payments, all private and federal, including Navient and XXXX, will now be $ XXXX in XXXX. Again, this amount would not have been affordable on my previous XXXX income ( $ XXXX ). 

I have asked several times for refinancing options on my private loans due to my unblemished payment schedule and my low income level but no options have been provided. I would like to payback my loans, but $ XXXX is too much for my income level. Please seek reason and offer me some refinancing options, or point me in the direction of a viable loan consolidation agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I was part of the XXXX XXXX Debt collection process with my Mortgage Loan via BOA and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!

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 2015-06-02 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:
Currently out of college. XXXX from XXXX XXXX of XXXX and University XXXX XXXX. When your in college your told its ( private student loans ) just like your other loans ( XXXX ). Then you graduate and find out there is no payment plan besides what they charge to have paid off. There is no help for how private borrowers are being ripped off. Then told private student loans fall under same category of federal student loans in Bankruptcy. That is not fair when private loans are not federally backed and dont have to offer income based repayment but are protected in Bankruptcy. If they are protected then they need to offer the same repayment options as federal student loans. If they dont have to offer same repayment then they shouldnt be protected in Bankruptcy. Its not fair to us borrowers. Since obtaining my degrees my private loan balance has increased to XXXX and payments are $ XXXX/month. I cant afford this and still try to survive. What can be done? What help is out there? My loan is thru Navient. They owe and are not forced to pay but those of us barely surviving are forced to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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:
I was called and harrassed about my student loans. I wad not given alternative repayment options. My loans were XXXX then placed with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
BOA, Bank of America, deducted money from my checking account in XXXX XXXX and in XXXX XXXX for a credit card that was not in my name, without my ss number, without any application from me, without my signature, and with no charges authorized or made by me. BOA simply had access to my BOA checking account and deducted {$300.00} in XXXX, then {$2300.00} on XXXX XXXX. 
My husband and I bought a XXXX in XXXX, called XXXX XXXX XXXX. The business ended and the corporate name was XXXX XXXX. XX/XX/XXXX, I began to receive calls about a credit card for XXXX XXXX XXXX ; it was the first time I knew about that card. I gave the company my address so that person could forward any information showing where and when I authorized the card. At that time, BOA did not have anything except my name and telephone number. I never received any information I requested. However, on XXXX XXXX, I noticed a debit from my checking account of {$300.00}, with the explanation- '' bankcard debit business/commercial card-right to set off. Those dollars were part of my SSI. And, when I asked the next person I spoke to, he told me the bank would not make that debit. 
Upon the advice of an attorney, I stopped using that account, except for a few online bill pays. ( Again I wish to note that several requests then and later in the year, for any documentation of my card application, my signature on the application, were never fulfilled. I have never even had an actual credit card or made any charges on the card. ) Then in XXXX of this year, my husband transferred some of his SSI ( he 's XXXX ) via check into my personal BOA checking acct and I too transferred $ $ $ from my SSI into the BOA checking account for XXXX expenses. Within one week, on XXXX XXXX, when I checked my checking account, BOA, had deducted {$2300.00} from my account. The explanation was " debit for charges on account ''. So, I am initiating a complaint ... .never any documentation for this Credit Card, which is not in my name.

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 2016-11-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit 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 monetary relief