vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have tried to work with Navient on several occasions to try to work out a payment that I can afford, each time I try to set up a payment schedule that I can afford, I get steered into the Income Driven Repayment Program. I was recently sent a notice that it is time for me to re-apply for my income driven repayment, I called Navient to speak with a representative and was told that I can not re-apply over the phone with a rep, that I could only apply online or by mail. I have tried several times to go online and re-apply for the program without success. To start with, the website had to approve my login information, which caused a delay, I have tried again to log in with no success due to the site being shut down for maintenance. I have also been harassed by phone by both the Federal and Private sides of Navient after telling them not to call me on my phone. I have told these people several times that I want to make payments on my loans if I can make a payment that I can afford, I have been told that I had to pay the unreal amount each month that they want me to pay or directed into a program with forbearance or income driven payments with a XXXX payment but the interest continues to accrue. I also attended a school that was recently closed due to over charging and scandals associated with it for predatory lending against it. I am also an XXXX Veteran. I have suffered major hits to my credit score from these loans and have accrued so much interest on them, that I may never be able to get straightened out so that I may be able to own a home or any other credit driven advances in my life. These people are crooks and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: VA

Complaint narrative:
I requested a payoff for my XXXX federal student loans that had a balance, totaling approximately {$9700.00}, I paid that amount in full through Navients website the same day that I requested the payoff ( XXXX/XXXX/17 ). My auto deduction payment of approximately {$480.00} for Navient then was taken out on XXXX/XXXX/2017. I was told by various Navient customer service reps ( XXXX at the main line, and XXXX at the escalated number ) that it would take anywhere beteeen 4-8 weeks for me to receive a refund for my {$480.00}, I would also not receive any interest on the amount for the duration that it would take for my refund to be applied. None of the 3 customer service representatives at Navient could offer me a refund in any time that I felt was suitable for the auto deduct that should n't have occurred. 
I disagree with Navient pulling the auto deduction because they should have been able to calculate that my all of my loans were already paid in full, however, even if it was " in process '' ( or if Navients systems are n't smart enough to realize that the loans had no balance ), it should n't take close to 2 months for a refund to be given. 
I understand that I am likely in a smaller pool of borrowers who are actually able to repay their student loans, but I feel that it is completely unethical and unfair that my money will be held for a period of up to 2 months when I do n't even owe a penny on any of my student loans, and that I wo n't be given any sort of interest compensation for my money being held for this long. 
Furthermore, Navient customer service representatives suggested that I contact my bank and request for them to stop the payment of {$480.00} due to a unauthorized transaction. While I assume that going through my bank could be faster ( bc 2 months for a refund is absolutely absurd ), my bank should not need to be involved in this refund, it should be handled in a timely fashion ( which is much less than 2 months ) by the loan service provider, Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: MI

Complaint narrative:
I like many American borrowed and took out student loans to be able to attend college and better my life for my self and my family. Upon completion of school at the 6 month mark for repayment to begin I contacted Navient/XXXX XXXX to apply for their " income based '' repayment plan. It was much to my surprise that when the statement started coming in their " income based " plan was anything but that. Between the loans that I had they were seeking over {$2000.00} per month, this while barely making {$32000.00} before taxes. They did let me apply for " debt consolidation '' which did lower my monthly payment, but in return added nearly {$20000.00} extra in interest to my loan amount. You can only imagine my shock when I got this new total. I like many Americans have no choice but to " pay the man '' what they want or risk losing everything by wage and tax garnishment. If I had known how these companies worked against people rather than to work with people I would have never taken out loans to help pay for school. I do not deny that I owe the money that I borrowed, but the additional interest charges and the amount they are charging to have one payment per month rather than 2 or 3 should be illegal. I will be paying at full payment until I retire from work. Something needs to be done about companies that prey on the needy or the economically struggling people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX of 2014, I attempted to complete a balance transfer from my Bank of America card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Bank of America. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the " Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from BAnk of America just kept interrupting me and saying " it 's a cash advance, it 's a cash transaction '' again and again, when she had already said " your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
The bank would not provide assistance in a loan modification request.

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: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Bank of America via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their " bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: SC

Complaint narrative:
I was told I could have a lowered monthly payment the paperwork never came and they put me in forbearance, I then went into default. I went through a rehabilitation program to get back in good standing and was told they would send me paperwork for another lowered payment and still have not received the paperwork! Now again I am in forbearance!!! I have tried everything in my power to do what I need to do so that I can pay this back!

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

Complaint narrative:
Navient modified their online payment system to prevent paying into individual loans. 
They instead group loans together and apply payments across them. 
This makes it impossible to pay off a high interest loan faster than a low interest loan. 
This is a problem because the option was there in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America did not post a resolution letter in the message center regarding my account, in claim # 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 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Bank Of America. 
The accounts were fairly active. XX/XX/XXXX Bank of America 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Bank of America reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Bank of america or any bank can arbitrarily refuse an american citizen or a us resident access to banking services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Bank of America ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Bank of America and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-09 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: CT

Complaint narrative:
For over a year, I 've been getting a call every 2 months from Navient saying that my loans are past due. the first time I called with concern because my loans have always been auto payed to them. how can I be past due when they keep taking my money every month?! after being transfered to mulitple departments they finally " find the issue '' we set up a new payment schedule and I think we are all set, but they call the next month or so with the same song and dance. I 've tried to resolve this issue many times. I 've been patient with them but my patients are running thin. they are now calling my retired parents saying that I am not paying my loans and that they are going to send me to collections. I 'm getting multiple calls a day, sometimes every hour. they are harassing me. my loans are getting hit with additional fees and interest and when I call them to explain my issue they treat me like I 'm wrong and trying to avoid paying them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a mortgage loan which is interest only and the balance is {$700000.00}. The interest rate is 5.75 and since the real estate market crash of XX/XX/XXXX/XX/XX/XXXX I have been trying to get it refinanced to the much lower rates that mortgages have been at since then. My mortgage lender is Bank of America. Everytime I have asked them to refinance the loan, they say that my debt/income ratio is high and they can not do it. 

That is ridicules since for the past 9 years I have been able to make my payments at 5.75 % rate and they tell me that I do n't qualify to make the payments at 3 to 3.5 % rates. 

Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size 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 2017-01-21 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: VA

Complaint narrative:
Navient is over charging me on payments for my student loan. When I initially signed up for this loan in college I was super uneducated about the simulations of obtaining a private loan. My grandmother was n't computer savvy and I should of just read more. We have been harassed over the years and the payments have increased. I know for a fact that I 'll be making these payments until the day I die. I work within the XXXX field but I also think there are simulations on whether or not I qualify for the Loan Forgiveness Program. There has to be a solution for my problem. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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: MO

Complaint narrative:
I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed

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 2017-03-18 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:
Two things ... I was never advised I had the option to apply for the release of my cosigner. I was eligible, too, but I was never advised that option existed. I admit there might have been some ignorance on my end, in that I just assumed a cosigner was stuck with the loan for life like I was, but this information was never promulgated to me from the Second, after I applied and was granted graduated income repayment status in XX/XX/XXXX and XX/XX/XXXX for all loans ( federal and private ), I was never advised that the payments for the private loan would only be allocated to the interest and nothing to the principle. I just learned I owe MORE now on that loan than the principle disbursement in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Tulsa Adjustment Bureau
State: AL

Complaint narrative:
I only found out that I have collections after me by checking my credit report. 
I was never contacted by the creditor, nor the collections bureau about the amounts owed. I have received nothing in the mail and no one has attempted to call. Being fully unaware that I owed the creditor a balance, I do not think it is fair to have had this passed on to a collections bureau as it is making a great impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX I had a 5.9 % fixed interest rate on my credit card before Bank of America bought it out. The 5.9 % fixed rate carried over when Bank of America took over until recently they changed me to a higher and variable rate without my consent and for no other reason. I have great credit. 
PS When I first spoke to a representative about this he stated that my rate had changed due to Government rate changes. This is when I knew that I no longer had the fixed rate. I then asked if there were any one receiving a fixed rate and there are. Therefore I requested that my rate be changed back.

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 2017-01-23 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: FL

Complaint narrative:
I was told by XXXX university that my degree was accredited and would be accepted anywhere, I have been turned down by multiple jobs due to not accepting degree from XXXX. I graduated in XXXX 2009, have attempted to find jobs to fit my degree with no luck. 
I am now stuck paying back the loans, with amounts I can not possibly afford monthly, and never being able to use my degree.

Company response to consumer: Closed with explanation