vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 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: AZ

Complaint narrative:
Short ver : Graduated college, could not find a job like most. 
XXXX income but some money in savings, Called XXXX XXXX and later Navient about what options do I have for someone with no income and about XXXX in savings and both loan servicers said flat out do a deferment with no mention of any of the other repayment plans such as income based and income contingent plans. IBR would have been perfect because I still had some money in the bank to at least pay something to lessen the interest hit. The reason is they make more from the capitalized interest than on another other applicable payment plan.

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

Complaint narrative:
Ive been garnished through my income for multiple loans issued first by XXXX XXXX, then serviced through Navient and collected through some debt firm called XXXX. These are multiple private loans Navient has claimed are mine. Through their goons at XXXX, they have claimed to serve me, get a judgement and issue a garnishment, all without my knowledge. Now, the courts have told me I need thousands spent to file papers to state I was not served properly. I think this whole process is duress, as I was intimidated from the start. Now they collect almost {$200.00} per check from me for these loans they are claiming are mine, which I never was able to fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I deposited a check into my Bank of America Checking account on Wednesday XXXX/XXXX/16. On Monday XXXX/XXXX/16 checks I had written against this deposit were presented for payment and were declined. On XXXX/XXXX/16 I received an email notification from BOA that my account was overdrawn. I examined my account online and saw that there were sufficient funds to cover the checks I had written and more. I have no idea why they would not have paid the checks. Additionally BOA charged me XXXX overdraft penalties of {$35.00} each ; {$70.00} in penalties. I called BOA who told me that they can hold deposits for up to 7 days - it was written right on my deposit slip. WHO READS THE FINE PRINT ON DEPOSIT SLIPS? They agreed to refund XXXX of the penalties but not XXXX. The XXXX refund was apparently out of the kindness of their heart. In today 's banking system checks do not take 7 days to clear, I do not know why they held my deposit for such a long time. Customer service was absolutely no help to 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 monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
If i knew my repayment options and that I could even make XXXX payments a month i would have done it.all i got was emails stating if i wanted to use the forbearance option type something and my loan was extended,. I recently made the call myself to find out what was going with my loan and came to found out im 3 times more in debt. i have been so stressed out thinking about how i will pay.i wish i was told about how much loan amount was increasing due to forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: CA

Complaint narrative:
Navient XXXX Student Loan. 
Name : XXXX XXXX, XXXX, CA XXXX email : XXXX Phone : XXXX Synopsis : my student loan originated through XXXX as recommended by my college and I received a XXXX student loan for XXXX amounts : DATE : XX/XX/XXXX {$41000.00} DATE : XX/XX/XXXX {$8200.00} TOTAL LOAN {$49000.00} I was enrolled at The XXXX in La Jolla, CA which offers a XXXX in design with a 4 year program. As I was also working at the time, it took me several years to graduate. I was at the time living at my address above. 
During the period of XX/XX/XXXX through the present I married in XX/XX/XXXX, had a child in XX/XX/XXXX. During the period from XX/XX/XXXX to the present my husband took hundreds of dollars and maxed out my credit cards, in addition to re-financing my house without my knowledge. The child and I suffered much abuse and confinement from my spouse and I was secretly moved to a safe house in XX/XX/XXXX where I lived for many months. In the meantime I filed for divorce in XX/XX/XXXX and custody of my child as we had been confined to the house without hot water or gas to cook and wash, as well as other conditions. 
In the mean time I was attending school and working with my parents taking my son until late XX/XX/XXXX when they moved to XXXX. 
I have been continually harrassed by Navient throughout the period following my graduation and until the present. I have been threatened almost daily this year with Default and was forced into Forbearance in XX/XX/XXXX. I had been making loan payments whenever I could. In XX/XX/XXXX-XX/XX/XXXX I filed for bankruptsy as my former spouse had used my savings and salary for his own disposal, including gambling in the stock market and losing hundreds of XXXX dollars. 
As of Today, XX/XX/XXXX I am employed and Also have a 24 month old daughter. I am XXXX of XXXX and still suffering to make ends meet. 
The Navient Harrassement which is constant has now threatened me with Wage Garnishment of 25 % beginning on XX/XX/XXXX unless I pay nearly {$10000.00}. by that date. I do not have any financial resources to accomplish this payment and fear the worst. 
My current loan balance with interest is to date at {$79000.00}. 
I am writing to ask if I have any recource with the current lawsuit filed by the CPFB against NAVIENT. 
Kind regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
On XX/XX/2016, I was in XXXX Louisiana and had my debit card stolen along with my cell phone. My banking institution is JP Morgan CHASE. Because I " did not '' have my phone with me I was unable to call the " Chase customer claims department '' XXXX and report that my card was stolen. On XX/XX/XXXX I returned from XXXX back home I attempted to log on to my bank account and find that the funds that were in my business checking account word depleted in the amount was {$11000.00}. I proceeded to call " Chase customer claims '' to report the fraudulent activity. I was advised to submit a claim to their fraud department and also fill out an affidavit regarding the fraudulent charges. I was also advised to reach out to the merchants who received the fraudulent charges and the primary merchant was XXXX. Based on recommendations from chase I was told to file a claim with XXXX as well as file a police report which I did and sent back the information to the chase customer claims department. After submitting all the requested information I was told by " Chase customer claims '' that the claim was denied based on inaccurate information. I asked what " inaccurate information '' means and what could I do to help have this fixed. I was told that they could not tell me that information, and that my best option was to have the claim " resubmitted '' for a second look by upper-level management. After waiting the standard 2 day reply from " Chase customer claims department ''. The claim was denied once again. 
Because the funds were in a business checking account and ultimately belong to another firm. We needed to take action immediately to resolve this issue. We were told time and time again to resubmit the claim to " Chase customer claims department '' to get the same results time and time again. Submit the claim t " '' Chase customer claims department " and after two days receive a denial letter. This is become extremely frustrating because we have gone above and beyond what we are required to do as a consumer from this banking institution. Including filing a report with merchants and getting a police report generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I disputed a charge on my Bank of America credit card and provided copious documentation to support my dispute. BOA denied my dispute without requiring any information from the merchant OR providing me a valid reason why the documentation I provided was not sufficient. XX/XX/2016 I ordered an engraved cremation urn. Merchant engraved incorrectly. In my order I requested the name to be in ALL CAPITALS. Merchant did not do this. I initially tried to resolve with the merchant who refused to call me back or respond to emails, which necessitated the dispute. In my dispute I provided BOA a copy of my order which detailed the engraving request and pictures of the item received which CLEARLY show that the name was not engraved in all capitals. I also provided an outline of all my attempts to contact the merchant. BOA initially removed the credit card charge, but then requested that I find a third party expert to inspect the urn ( in person ) and provide written documentation to support my dispute. I responded to BOA, in writing, that this was not reasonable ( I did not know a local merchant who specialized in urns or who would be willing to get involved in my credit card dispute ). I outlined all of the documentation I had previously provided. I also asked BOA to provide me with the merchant 's response to my dispute, in addition to any documentation the Merchant was requested to provide to support that they fulfilled my order as requested ( to date, the Merchant still has not provided me with the item I ordered, for which I was charged {$140.00} ). Without any response to my written response/request for information, BOA arbitrarily denied my dispute. In summary, my complaint is that BOA did not demonstrate due diligence in their " investigation '' of my dispute. They totally disregarded the documentation I provided, they did not respond to MY request for information regarding their investigation of my dispute, they did not require the Merchant to provide documentation that my order was fulfilled as requested and overall did not protect my rights as their customer.

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 2016-01-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an equity line of credit with BOA ( Bank of America ) in the amount of {$120000.00} payoff due in 15yrs. which I used {$25000.00} of the funds. Within that time {$100000.00} was put on freeze, therefore, I could not use that money. Within the 15 yr. period of time I paid back {$20000.00} leaving me a balance of {$4100.00} unpaid, from the initial {$25000.00} used. As of this date the {$4100.00} has been paid off. BOA is telling me that I still owe them the {$100000.00} from my XXXX. line of credit. I was offered a second line of credit for the XXXX which I took because I still owed them {$4100.00}. About a year later after paying the {$4100.00} owed they 're saying I still owe the {$100000.00} which I never used. This I do not understand. How do I owe money never used. Thinking that they offered me a second line of credit, they gave me another mortgage which included the {$100000.00} called XXXX ''. When I got my first equity line BOA paid off my first mortgage which was around {$30.00} something thousand dollars. I did call BOA several times with no avail. Specifically, on XXXX, XXXX I spoked with XXXX a BOA rep. I informed him that I was deaf and hard of hearing and he got frustrated with me. I then asked him what was the initial pay-off amount BOA paid, if anything this is what I would owe, and he would not tell me, and said " Lady you owe the money ''. My response to him was how do I owe money that was frozen and never used? This is when he hung-up on me. In conclusion, If I do owe any other money to BOA it would be the original pay-off amount not the {$100000.00} they are trying to make me pay with a new mortgage. I pray this matter is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 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: PA

Complaint narrative:
I am having issues with my loan servicer " Navient '' according to the federal student loan site I should be able to do the following. 
" Can I pay more than my required monthly payment? 
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, tell your loan servicer that the extra you pay is not intended to be put toward future payments. 
However, Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I am not sure anything has happened but if possible I would like someone to review my loan and my payments to see that Navient has been applying my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is misreporting on my credit report a credit card that has been charged off. The account was charged-off back in 2012, however Bank of America continues to report the account as an account as open but also with a past due balance, which is reflecting a missed the payment for every month since the charge-off date. Charge-off accounts can not be legally reported as having been past due every month after they 've been charged-off, they are supposed to show that the balance has been charged-off. Instead for the last 5 years, every month, they 've reported a new late payment on my credit report, so this account shows I have over XXXX late payments after it was charged off ( Please see attached excerpt of credit report ). This is a blatant violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank is Bank of America. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.

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 2016-06-29 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 received a certified letter from XXXX XXXX on XX/XX/2016. They indicated that they were referred by our Servicer ( Bank of America ) to XXXX for Foreclosure action. My complaint is for XXXX XXXX to stop committing forgery to foreclose and to give us competent and reliable evidence. XXXX XXXX is violating the FCDPA and US Mail Fraud Statues by using deceptive means to collect. We have searched the Secretary of State for California website and they are not even registered to do business in California. They are XXXX XXXX XXXX XXXX XXXX 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 2016-08-30 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: NY

Complaint narrative:
I had no intention of going to College and feel like I was forced into taking out loans by the recruitment staff at XXXX. I did n't know at the time that the amount of the loans was so much more than other colleges. While attending, I started to realize that I had made a mistake by going there and realized that most of the staff was underqualified. By the time I decided that I wanted to leave, I already owed around $ XXXX and I was n't even going to get a degree if I decided to finish. They were only offering a certificate of completion at the time. This did n't seem fair to me and now my loans are all defaulted and I have no intention of paying them. I feel like I 'm not the only one in this boat and I need help trying to get this resolved. These people really took advantage of me and they are still doing this to people. I had no intention of going to college, so I had n't done any shopping around. They got their hooks in me and before I knew it I was out $ XXXX with nothing to show for it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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 have been attempting to clear up old and erroneous information reported by Sallie Mae to the XXXX major credit bureaus for years, with the latest push starting in 2012. Many of the items were at least 10 years old, and some were over 20. 

Sallie Mae resisted investigating my complaints, citing a " frivolous complaint '' exception under the FCRA. In fact, I had provided explicit details on each negative item, and why they should be removed. Each time I sent an inquiry letter, Sallie Mae summarily dismissed it and refused to investigate. I believe this happened at least 20 times and is still unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: MI

Complaint narrative:
I have a Federal Supplemental Loan XXXX that was originally from XXXX XXXX but is now with Navient. For the last 2 years I have tried working with them on several issues and with each issue I am given information/instructions that I follow, only to be told later I need to follow different rules, etc. I have tried 2 times ( following their instructions ) to have the cosigner released, I have asked to have an income based plan and/or a rate reduction plan, etc., only to be told my loan is at a fixed payment amount that can not be changed. I have asked for a copy of the Master Promissory Note showing that payments can not be altered and have not received it. In addition, since my 2014 Bankruptcy my account has shown {$0.00} due - I have asked several times why this is so and when it will change only to be told sometimes it is being resolved, and other times they can not discuss it with me due to the bankruptcy proceeding ( discharge was in XXXX 2014 ). However, even though {$0.00} is due I finally had someone admit I would incur penalties, interest and fees if I did not make payments! 
In summary, Navient customer service tells me different information each time I call, does not supply the information/documents I request and refuses to work with me to lower my payments. Please help. Thank you -- XXXX XXXX.

Company response to consumer: Closed with explanation