vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-08 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: OH

Complaint narrative:
I am currently repaying a student loan to navient department of education loan servicing the problem is the interest rate is very high and they have divided my loan into XXXX so the interest is higher and I have seen on the local news that many other customers are being charged very high interest rates from navient the interest that I have paid is well over the amount of principal paid

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX, sponsored by Bank of America. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Bank of America with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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 opened a new account XX/XX/2016 on a Saturday with Bank of America. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Bank of America makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.

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 2016-01-30 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
In XXXX XXXX Bank of America discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Bank of America has made no effort to collect this debt despite my attempts to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: AR

Complaint narrative:
I started school online in XX/XX/XXXX with XXXX, I received a grant and a loan supposedly. As a matter of fact, I have several loans but do n't know how ...? I only went for an XXXX and finished it in XX/XX/XXXX. But since then I have n't been able to make the outrageous payments they are asking of me. I have begged them over and over for help, for the most they helped me at first but now they have tacked so much interest and stuff on my loan I will never be able to pay it. I only make XXXX a year at the most and I am a mother of XXXX. The loan is so expensive and they are ruining my credit, the only thing that I do have left. I ca n't even use my degree here in Arkansas because the college I went to is n't an accredited college and they were under fraudulent doings. So I do n't know what to do .... I am currently stuck with over XXXX XXXX dollars in debt to a college that is no longer in good standings and has law suits against them. Please help me if anyway you see possible. I appreciate your time and any advice you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
FYI I will not except anything pretending to The FCRA 609 IN WHICH I been asking for since XXXX 2016 When I first ask for the information. You have lied stating that you did n't know what I was disputing using the FCRA 609 I mean It 's plan and simply to understand. to You have verify the accounts involved in this case.. You also claimed that verified account 's and One of the accounts involve is not even my account.. So I asked you to remove the XXXX items that I have asked you to asap You have gone as far as to contact the credit to ask them to send the info. The law DO NOT SAY THAT THE CREDITORS HAVE TO SEND IT. IT CLEARLY STATES THE REPORTING AGENCIES YOU REPORT AND THAT WOULD CERTAINLY BE YOU. ONCE AGAIN I WILL NOT EXCEPT ANYTHING FURTHER SO PLEASE REMOVE THE LISTED ACCOUNTS XXXX closed account XXXX closed XXXX XXXX Thanks Equifax

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
hello my name is XXXX XXXX and I want to file a complaint against Navient/XXXX they called me offering a program to defer my loans and they kept making me pay fees to get into this loan deferment program they were taking money out of my Bank account but never put me into the deferment program I also would like to file a complaint against the school which help me get the loan and it was called XXXX XXXX of design and technology which they are no longer operating anymore thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 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: UT

Complaint narrative:
I received an email on XX/XX/2016 from Navient that my payment had increased from XXXX per month to XXXX per month. When I went into my account to see what had happened, it appears they changed the term of my loan from the original XXXX years to XXXX years. I 'm XXXX years into the XXXX year loan repayment and now only have XXXX years left to pay it off. While Navient agents were polite, they are unwilling to honor the terms of the loan to which I had agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-19 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: FL

Complaint narrative:
private loan company NAVIENT certified my student loan under conditions of False Certification of Ability to benefit. 
Navient certified my student loan for XXXX XXXX XXXX XXXX Now located on XXXX XXXX XXXX XXXX, TN XXXX on XX/XX/2006 without me having a high school diploma from United States, nor any transcript, nor did school give an entrance examination before I was admitted to the school. 
This action by Navient is clearly MISS LEADING student loan borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: MI

Complaint narrative:
For the past 3 years I have been trying to pay my student loan from Navient. Some months I would pay twice to try to bring down my principle. Over the course of the three years, I have not been able to bring down the principle at all. It 's actually gone up. I would like to know why when I pay double one month that second payment is n't added directly to the principle? It 's very frustrating to have this happen time and time again. Only to have to talk with Navient ask them to do it and once, I put a double payment on and the same thing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Bank of America on the phone. The issuing bank, XXXX, had a record of BOA recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if BOA does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The BOA Vice President suggested I " climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand 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 2015-10-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In a reply to a complaint # XXXX the bank 's response was that the bank has a right to foreclose on my home. I say no, they do not have that right. The documents sent with the response is not valid as the modification that was offered to me in reply to my questioning where my payments were going was withdrawn in a letter dated XX/XX/XXXX. Also the modification documents were signed by XXXX and XXXX XXXX XXXX and the notary stamp is only to our signature. The bank never signed and send us a copy. The modification was never recorded even though this was an amendment for a mortgage over {$190000.00}. The modification was never submitted to the court in the filing of the lawsuit. The notice to owner submitted in the case was from the modification so the whole purpose of the modification was to have a notice to owner for a larger amount owed. My bankruptcy stands. In a notice to the bank that is recorded in XXXX XXXX Florida, Doc # XXXX B : XXXX XXXX dated XX/XX/XXXX a suggestion of bankruptcy letter was sent to the bank. The bank had a fraudulent judgment that was dated XX/XX/XXXX already and never asked to lift the stay on my request for bankruptcy. My estate was closed with my homestead property intact. This bank keeps saying to contact the new servicer who would have no knowledge of what went on since XX/XX/XXXX. No you are the ones that ruined my credit and then tried to steal my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 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: TX

Complaint narrative:
During my XXXX degree, I was unable to pay for my education in its entirety. At the time, my school advised me to look into loans with XXXX XXXX. The interest rate were reasonable ( not higher than 7 % ) and XXXX XXXX would practically approve ANYTHING! I had no idea that I would be setting myself up for failure once I completed my education. XXXX XXXX transferred my loans to a company called Navient. This company is the epitome of HARRASSMENT. Not only do they call you about payments ... they harass the co-signer as well no matter what time of day. I have even received a phone call from them at XXXX.! The only way to not have Navient call and harass me or my co-signer multiple times a day is to put the loans in forbearance or try to make a monthly payment.I have tried on numerous occasions to try and lower my payments but I was told and I quote, " You are going to have to figure it out and there is no way for you to lower the payments! '' The worst part is that once Navient took hold of my loans, my interest rates jumped to 9.75 %! There is no way a student in their right mind would sign up for a loan with this high interest rate ... not even a desperate one! The company 's forbearance policy is very interesting. The fee is always {$150.00} but sometimes the forbearance can last 30 days and then there are times it can last 90 days. It 's just up to them and whatever they decide at the time. Well, considering that I have other debts to pay because I paid for my XXXX degree out of pocket ... there is NO WAY I can pay XXXX XXXX and survive. I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 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 was in search of information about BOA 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for " XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from BOA? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 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: CO

Complaint narrative:
A while ago I called navient to tell them I wanted to increase the amount they took from my bank monthly for my student loan repayment. I wanted {$270.00} taken out instead of the minimum monthly payment. A few years later, I took a new job, and a slight pay decrease, and I called Navient back to reduce what they took from my bank back to the minimum monthly payment. What they did when I called the first time to increase what they took was rewrote my loan so that {$270.00} was the minimum monthly payment. So anything I thought I was paying over the minimum was not used as such. I requested an investigation into this over a year ago and have not heard an single word from them. Is what they did legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: NJ

Complaint narrative:
I have contact them on various times when I make extra payment it goes towards my intr. rather then my principal even though payment is already paid for that pay period. I also tr

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I sent XXXX XXXX XXXX a debt validation letter on XXXX XXXX. 2016. They ignored my request for validation and continue to make attempts to collect on a debt I am not sure I owe.

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 2016-06-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Bank of America 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Bank of America continues to attempt to derail my efforts anytime I call in.

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 2016-10-12 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: UT

Complaint narrative:
Private loans from XXXX tech were disbursed on my behalf in a fraudulent manner and the loans need to be cancelled/discharged. Proof and documentation are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I REQUEST VALIDATION THEY COME BACK WITH ACCOUNT HAS BEEN VERIFIED THATS NOT WHAT I ASKED. NO PAYMENT HISTORY EXCEPT FOR THE MONTH THEY RECEIVED THE VALIDATION LETTER SO THEY REPORTED PAYMENT FOR THAT MONTH OK BUT HOW ACCOUNT CLOSED 10 YEARS AGO. ONCE THEY DONE THAT NOW THE ACCOUNT IS REPORTING CURRENT BUT THE ACCOUNT AGE IS NOT AS OLD AS IT SHOULD BE SINCE THEY REPORTING CURRENT GIVE ME SOME AGE HISTORY IS THE ACCOUNT IS CURRENT. PLUS THESE ACCOUNT HAVE BEEN CONSOLIDATED 9 YEARS AGO

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
Hello. I received a collection notice. I put in writing ( within 30 days ) that i dispute the debt. I requested proof of debt. They did not respond to my letter. I never received proof of debt. Now this collection account is on my credit report.

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: MI

Complaint narrative:
My complaint or concern is that I pay nearly 30 % of my net income to my federal and private student loans. XXXX in federal direct loan. XXXX to navient private loans. XXXX to my XXXX XXXX servicing provider. I make to much $ for the PSLF to help my cause in that 10 % of my income is XXXX {$.00} After 10 years paying that much it 's paid off which is great. The problem is I hav XXXX other separate bill payments to my private lenders which in turn does financially I hav to put more money towards private student loans due to high variable interest rates. My solution would b to consolidate my private loans into XXXX payment but I do not make enough money to find a lender to finance XXXX and get interest rates and terms to help my financial situation. My interest alone on all my loans is roughly XXXX $ 10 % of my income. I will never b able to pay off student loans paying interst only nor do I make enough money to put enough $ money towards principal. I need personalized help. Mainly I need student loans companies realize that I pay XXXX different lenders and I need my loans to XXXX payment at a realistic fixed interest rate. At this rate I will pay XXXX on the initial XXXX I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XXXX, 2016, I submitted complaints to both Bank of America and XXXX about the fact that Bank of America was not reporting the balance on my XXXX XXXX card correctly. 

Rather than fixing the real problem, all that Bank of America has done to date is not report the card/account to XXXX. It has always been a credit account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better credit terms.

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