vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 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 've had my student loan for several years now and I have n't been able to pay it until recently. In all my dealings with Navient they never offered to do a income based payment plan just kept putting it in forbiddances. I called their customer service line at the beginning or XX/XX/2017 to see what payee 's name I should put on my credit unions bill pay site and they told me Navient so that is what I put. I checked a few days later and the payment had n't been posted to my account but had come out of my bank. So I called again and was told I had the wrong payee 's name. So I was finally given the right payee 's name and got that updated with my credit union. Then I was told that the funds would be returned to me in the few days and I could just resubmit payment. Well in a weeks ' time nothing happened on either end so I called back a few times and was just told to wait. Then I called again and talked to a gentlemen but the name of XXXX and said he saw the payment and he would request to have it posted to my account and that it would be posted no later than XX/XX/2017. Well today XX/XX/2017 I received notice from my credit union that the payment had been returned and that I would be refunded to my account in 1-2 business days. 

This is very frustrating because now my payment will be late and after all the calls and time I 've wasted it did me no good. I am extremely dissatisfied with the customer server or lack thereof that I received from this company. If I could pick a different servicer I would.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX I was a victim of Bank Fraud. I was issued a fake check and the check was deposited in to my Bank Of America account at that time and the check was returned obviously and without any notice or phone call or investigation my name was reported to XXXX. Since XX/XX/XXXX I have made so many attempts to have this matter resolved and Bank OF America has ignored every single attempt. XX/XX/XXXX I hired an Attorney to plead my case and a letter was mailed on XX/XX/XXXX and that has also been ignored. I need to open a bank account. None of this was my fault. I was a victim in this case. No one has reached out from Bank OF America to help resolve this matter. They did not even bother responding my attorney 's letter. That is how bad they are in every aspect. I need my name removed from the XXXX database as soon as possible.

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 non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 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:
We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.

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 2017-01-27 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: OH

Complaint narrative:
I have student loans where about XXXX dollars in the XX/XX/XXXX and payed on them, my husband applied for these loans. We payed on them and them in XX/XX/XXXX my husband died and i was unable to make payments have had several forberances and now my loans is XXXX dollars there is no way i will ever be able to pay this loan off. I made several attempt to pay something on them and they based it on income which was still way to large a payment for me to make with only XXXX income. The would not accept any payment unless it was the entire amount. My loans started with XXXX XXXX and where sold to Navient. I have had to do forberance and interest and fees and mounted up to very larger charges. Please let me know if there is something I can do. Am I a candiate for the current lawsuit that is now going on. I am now on forberance because I am only working part time.These loans are for my daughters college education.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: GA

Complaint narrative:
Navient is calling my work. I have explictly told them I am not allowed to have calls at work and to not call me here. They have also sent numerous faxes to my work with my personal information for everyone to see, my full name, social, and birthday, and requesting my employment information without permission or subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX Hospital is the original creditor. I went to XXXX XXXX Hospital and was told at check-in that only a co-pay would be charged to me for any services rendered. I was admitted and discharged an hour or so later. XXXX XXXX Hospital then submitted an egregious bill consisting of fraudulent charges. My insurance, XXXX of Illinois, paid much of this bill directly to XXXX XXXX Hospital. Then XXXX XXXX Hospital sent me a bill for an additional {$1500.00}. I promptly called the hospital to dispute both bills as fraudulent and requested a breakdown of services rendered and associated costs, and emphasized that I had not consented to receive any particular services and was never informed of any costs other than the co-pay which I had been assured by the hospital was all that would be charged to me. A breakdown of services rendered and costs was never sent to me. Instead, the account was immediately sent to a collection company. The account is now with Syndicated Office Systems, per my credit report. XXXX XXXX Hospital has been paid in full - and then some - by my insurance company, XXXX of Illinois. The additional amount of {$1500.00} being charged to me individually and attempted to be collected is fraudulent. I do not know if the error is one of duplication of charges, inclusion of charges for services not rendered, general over-billing, or some combination of billing errors. I request full review of services rendered and charges assessed, the failure of the hospital to obtain my consent to receive any particular services at an additional cost to me, and the legitimacy of the {$1500.00} bill being charged individually to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Bank of America N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number: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 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a letter in the mail from Bank of America stating that they are going to change the terms to my checking account they will start charging me a {$25.00} a month fee unless i keep {$5000.00} or more and my account or have other loan products. But for new customers they offer free checking on their website for new customers I will copy and paste it below. I have direct deposit and i meet their qualifications for the maintenance fee to be waived. This is not right they are false advertising if they are going to start charging me now. 
Convenient access to your personal checking account wherever, however you want. 
No monthly maintenance fee when you meet XXXX of the following requirements each monthly statement cycle : Have at least XXXX qualifying direct deposit of {$250.00} or more ; orMaintain an average daily balance of {$1500.00} or more ; orWhen you are a Bank of America Preferred Rewards client ( waiver applies to XXXX XXXX checking and savings accounts ) Otherwise, $ XXXX monthly maintenance fee. 
Students under age XXXX are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university, or vocational program. Please refer to your Personal Schedule of Fees for details. Footnote 1Teller accessOptional Regular Savings Account Footnote XXXX, MobileFootnote XXXX and TextFootnote XXXX bankingOnline Bill PayPayment RemindersCustomizable alertsFootnote XXXX card with {$0.00} Liability GuaranteeFootnote 6 and new chip technologyKeep the Change ( R ) savings programFootnote XXXX where everyday purchases add up to savingsOptional Overdraft Protection to help avoid overdraft fees and declined debit card transactions

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 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: NJ

Complaint narrative:
Navient continues to have my loan in default status and says I have a past due balance of over {$1500.00}. However, I entered into Rehabiliation with XXXX in XXXX 2015. Payments are current and automatically deducted from my bank account on the XXXX of each month. I have submitted supporting documentation from XXXX to Navient, which I should not have to do if Navient referred XXXX to me, several times and even highlighted the Navient account number on the XXXX documents. It is as if Navient is forcing me to pay the rehabilitation agreement amount AND the monthly payment they calculated, which is not what I was told by XXXX when I entered into the agreement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 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: CT

Complaint narrative:
I was talked into overbearing my student loans because of being laid off and now my student loan balance has doubled..and on top if that since XXXX changed to Navient my monthly payments have doubled ... i need to get a payment lower so that I can get back in track but not help is being offered but to forebear my loans again and at that rate I will never pay my loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 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: MD

Complaint narrative:
While attending undergrad I obtained federal and private student loans. My federal loans are under control thanks to the program available such as income based repayment plans. Although, my private loan is putting a strain on my finances. Without a payment plan I would have to pay approximately {$800.00} a month which I DEFINITELY can not afford! As of now I am in a graduated repayment plan option paying {$370.00} a month which increases every year. It is still putting a hardship on my life but it is better than paying {$800.00}. I am not asking for no one to wipe out my loan due to me using the money and I should be held responsible. Although, I am asking for some alternative plans that would help people who are not financially stabled or who have not landed their career job yet. Or even a program to stop ALL interest rates to allow you to pay off what you currently owe. Since graduating in 2010 my private student loans have doubled the amount due to high interest rates. When applying for loans I did not know the difference between a federal or private loan, I did not know about interest rates, I did not know many things, I just know that I was a young adult ( teenager ) just wanting to go to school to " better myself '' and to " land a high paying job ''. My school was XXXX XXXX University in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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: MO

Complaint narrative:
Recently found out the school XXXX XXXX XXXX XXXX I graduated from in XXXX, is now being forced to shut down in XXXX, while I 'm still left paying federal and private student loans that were taken out for me by the school. I understand that there are options for currently enrolled students and students who withdrew from the school within 120 days to have their loans forgiven. I 'm researching to find if there are benefit options for people like me who has graduated from there but are left paying for a degree from a school that is now shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 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: MO

Complaint narrative:
A bank ( BoA ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a BoA credit card so I knew it was not mine. I attempted to dispute directly with BoA but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. BoA confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating BoA considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of BoA ; BoA offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the " issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, BoA offered no apologies. Only a statement of 'an error '.

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 2016-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX of 2015 I was sold a banking product by XXXX XXXX of Bank of America. The various products were attached to an incentive of {$1500.00} in account credits after the account was opened and conditions were satisfied. These credits were never received, and on XXXX XXXX I inquired and received no response. On XXXX XXXX I inquired again and was told it was overlooked and would be sent within 15-20 days. On XXXX XXXX I asked for an update and was told the check would be sent by the end of the month. To this day nothing has been received and the bank is engaging in a classic baiting scheme.

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 2016-01-29 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: IL

Complaint narrative:
Due to unemployment was unable to continue with the payment arrangements made with Navient and they claimed they cancelled them. Several months went by and they started pulling money from my account again. Called and they assured me the auto payments were cancelled. next month again they pulled money, called on XXXX XXXX and they transfer me all over the place then told me that it was from the old payment arrangements and they could n't cancel as it was on a different computer system, they transferred me to the other department who acknowledged that the old payment arrangements were still in the system but they also assured me they cancelled it and I would not have any more funds pulled from my account. Today, again more money pulled from my account. Called and was transferred multiple times again because " unable to see my account information '' then they hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 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: GA

Complaint narrative:
I 've been having continuous hardship and problems with paying my student loans. Every time my forbeforbearance period is over I get emails asking if I would like to extend my forbearance. I never knew I could be eligible for any income repayment plan. They have been reporting my loans late on my credit even when I 'm currently under forbearance which my payments are suppose to be deferred bits it 's damaging my credit and putting me in deeper debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 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:
I met XXXX XXXX in school. We were both attending XXXX XXXX XXXX XXXX and XXXX back in 2007. I was not aware of that I 'm a responsible person for both of her loans until now. She asked me to help her out and be only on her form as reference. She said that she will be paying for her loan and I have nothing to worried about. It was never explained to me that I would be liable for her payments. I was paying for my own school at that time and never missed any payments. I trusted her because she tried to be my best friend and I gave her my personal information such as social security number, address, employer and so on. It was a very big mistake. I defiantly misunderstand the whole process and did n't know that she was taking advantage of me because I was very limited in my XXXX and been recently moved from XXXX was not aware of all the loan responsibilities. She was not honest with me and she did filed multiple loans under my name without my permission. I never signed anything and never got any alerts or notifications from the loan company. Otherwise I would never done it. All I wanted just to help a friend to go trough school and get her education. We only had XXXX conversation about her school loan back in 2007 but after she got needed information from me she filed XXXX loans that I did n't authorized. I have t dispute these fraud activities because it 's effecting my life negatively and XXXX is not in contact with me any longer still taking advantage of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 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: MD

Complaint narrative:
I just recently found out that I qualified for deferments instead of forbearances with Navient. I have been unemployed while my Parent Plus loans were due. Navient has applied a deferment once. All other times I was placed on forbearances. I now have a monthly payment over {$430.00}. My current balance is now {$54000.00}, which {$10000.00} is capital interest due to being given forbearances instead of deferments. I still have 13 months of unemployment deferments left. I contacted Navient and asked why was n't I given deferments on my account instead of forbearances, the agent stated that she could not answer that for me. I would like to have the capital interest that has accrued on my account cancelled. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation