vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-09 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: CT

Complaint narrative:
My loans were transferred from XXXX to Navient in XX/XX/XXXX. First they increased my payment amount from {$380.00} to {$390.00} for XX/XX/XXXX When I called and asked why they sent me document that just said I was on a graduated payment plan but did not spell out the payment plan. I also noticed that all the payment was going towards interest and not principle. When I asked them about it I was told I had accrued interest of {$340.00}. I asked why - this did not occur with XXXX - why with the transfer did I accrue interest. They told me they would send me documentation on it. All they did was sent me payment history for XXXX months with current account info. Again they did not address the why it occurred. I find their lack of transparency disconcerting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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: DC

Complaint narrative:
I am actually a parent rather than the student. We co-signed student loans not fully understanding that much of student lending has been privatized and not subject to any relief programs such as forgiveness after 10 years of working in public service, etc. What happened to XXXX XXXX? 

Our student son is paying the public loans on a schedule based on his income and we are paying private ones since he makes very little money. It is really ridiculous for a college degree to cost so much money. His degree is in XXXX and XXXX, so he will likely be working for a modest salary all his life. Making the world a better place, but not pulling down the big bucks. 

Is there any relief for private loans? We are being impoverished since our student ca n't make all the payments, and we will be unable to retire. We can only make the payments, we ca n't pay off the principle, so we 'll be paying forever. Plus Navient is calling us relentlessly. The calls start BEFORE the bills arrive and persist until they receive the payments, even though we pay every month. We get a few days of peace and then it starts again, Navient also calls our son and threatens him with dire consequences like legal prosecution. We no longer answer our own home phone, we just return calls to our friends who leave a message. Navient has our son 's cell number, so they harass him at work, at home, wherever. And this is what they do to a family that is paying each month. Imagine how much it would crank up if we skipped a month? 

I am between jobs, my new job starts in a few weeks, but money is really tight now. We need relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My wife, who controlled all finances during our marriage, and I divorced in XXXX 2015. Since that date I have been working to rehab my credit score due credit card high limits. I had XXXX in credit card debt between XXXX companies, XXXX, XXXX XXXX, and Bank of America. Attempting to rehab my credit score I made large payments to pay off my XXXX ( {$1500.00} ) and XXXX XXXX ( {$1500.00} ) to alieviate my credit card debt to credit card limit ratio. Also, I made a {$2000.00} payment to my Bank of America card to decrease the balance from {$5000.00} to {$3000.00}. 

Upon receipt of the {$3000.00} payment Bank of America immediately decreased my credit limit to {$3400.00} leaving me with open credit of {$400.00} instead of what I thought would be {$2000.00}. How am I supposed to recover my credit score when I went from maxed out to maxed out while paying {$2000.00}? This can not happen to Americans who are doing everything they can to improve their credit scores. 

Also, Bank of America stated they would decline a credit increase back to {$5000.00} because of a {$19000.00} revolving line in use ( total ). This is not accurate due to my {$5000.00} pay down of revolving debt only to have the ratio increase with their credit line decrease. I feel victimized. Debt issues in America will not be fixed by sneaking credit decreases to middle-class citizens immediately after a large payment is made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have already sent in numerous complaints regarding Bank of America and my mortgage problems as you can check via case numbers XXXX XXXX XXXX XXXX XXXX I am being asked to sign a form to voluntarily terminate my FHA mortgage insurance by Bank of Amercia when this has never been brought up before and their reasoning told to me is that it will give them more wiggle room to possibly help me. I have nothing sent to me outlining how this will help me. How will something that is meant to be a source of protection to BOA in case of Foreclosure XXXX which they have set for XX/XX/XXXX? Also, if I were to sign this and they proceed to foreclose how am I protected. I feel like I am being herded in the direction of not only losing my home but ultimate financial ruin. Is this really a viable solution for me? They still are n't addressing the fees they have been charging XXXX erroneously ) since I had a short sale buyer for almost XXXX years via Bank of America Short Sale program in which BOA dropped the ball on so to speak and I eventually lost the buyer in XX/XX/XXXX. I am beseeching help in this situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a credit card issued to me from Bank of America. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a " public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by BoA in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-28 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: NY

Complaint narrative:
I have been paying ahead on my student loan, but Navient has not put the over-payments directly toward my balance immediately. Instead, it advanced the due date costing me a great deal of money in accruing interest. I pay by electronic bank. NAvient offers to not advance the due date but only on checks and direct payments through their website. I go through my bank 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have tried on several occasions to get Navient to validate XXXX loans. I have asked for proof that these loans in fact belong to me. I have written time sensitive letters, sent them certified mail and Navient has, on several occasions, refused to send me the requested information. In addition, I have requested that while they investigate my claim, that they stop reporting to the credit bureaus. However they have continued reporting despite my request. Many of my requests have been met with simple letters stating that the " consumer disagrees '' and they have updated my credit report saying the same. They have violated my rights on several occasions as well. They have made attempts to charge off these loans but my credit report still shows these loans as being open despite this status change. Also, the collections agencies, XXXX XXXX, made contact with me stating that they now had ownership of the loans in question. To which I sent a certified letter in XXXX asking for the same validation I requested from Navient. Unfortunately, I did not receive a response until XXXX, directly violating my 30 day request. Also, once they did respond, they did not send all of the requested information for all loans in question. I have tried so many different routes to explain to the credit agencies that Navient is in direct violation of my FCRA rights, however nothing has been done. I am trying to buy a house and these loans are negatively impacting my credit, and have been for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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:
I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank

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 2016-09-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mortgage is held by Bank of America. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Bank of America inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Bank of America and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Bank of America is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Bank of America has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Bank of America for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Bank of America they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Bank of America is setting up arbitrary rules and impeding the processing of the check.

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 2016-03-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Bank of America website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet.

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 2015-07-21 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: CA

Complaint narrative:
Navient says they do not allow income based repayment on my signature student loans however signature student loans, thought private, are backed by the federal government. Loans backed by the federal government are supposed to be eligible for IBR. Why is it that I am not allowed to take advantage of this benefit with my private but federally backed loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: MD

Complaint narrative:
Navient said I owed money when my son was still enrolled in school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06 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: KY

Complaint narrative:
I have attempted several times to correct bank of america reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX accurated dated and verifiable.

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 2017-02-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Bills from XXXX XXXX of XXXX that I discovered in my credit report and referred for collection to American Adjustment Bureau. XXXX referred me to AAB, AAB has not responded with verification of amount and veracity of charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: OH

Complaint narrative:
Payments are n't applied correctly and have been paying on them for nearly 20 years. I have had no help in understanding why the amount is barely reduced and sometimes increased monthly after a payment is made. Lately I have to call 9-10 times just to get an answer or things corrected. This is from my XXXX from XXXX University and my XXXX XXXX from the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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:
On XX/XX/2016 I went to Bank of America to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. 
After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. 
After 3-4 days I got another phone from BOA case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. 
I completely felt cheated as I did n't conceal anything and told everything before clearly.

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 2017-01-20 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: PA

Complaint narrative:
I graduated from underdrad and was only making {$14000.00} a year and could n't afford my payments. I went back and got my XXXX XXXX so I could make more money, only due to an ill child, I could not work or find work to accommodate my schedule with my child. I was told that I had to stay on forbearance and my interest kept building. I am now at over {$170000.00} in debt. I will never make that much. I 'm a social worker-not a doctor. My forbarrance is over and I 'm in a bind. I have asked about small payments-they want me to now pay {$1600.00} a month-I can not afford that-they are calling me day and night. I have an ill child and am caring for my XXXX old dad. They do n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a " no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said " attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a " charge off '' and had known nothing about what it was " ever ''. I feel that I 'm being deliberately " set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against " any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their " fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my " consent or knowledge '' is what I would call " illegally withholding damaging information against an innocent person '' ( by Bank of America ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.

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 2016-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had a bank of America account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with bank of America since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Bank Of America family and would love to stay in 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 2015-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 at approximately XXXX mountain time I contacted XXXX XXXX to speak to someone about making a payment plan on my student loan which I had stopped making payments on due to extreme financial hardship.. The customer service representative that took my call was unprofessional, rude and used bullying tactics and demanding that I pay the amount in full. I repeatedly asked him to stop talking over me so I could explain again to him that I needed a " repayment plan '' or Forbearance agreement forms so I can sit down and figure out what I can do to resolve my situation and pay my debt. I am VERY DISAPPOINTED as I contacted them to try to make a payment plan and just feel like I was abused and shamed. If the calls are truly monitored and recorded you should listen to it. XXXX XXXX - email : XXXXXXXXXXXX, You may contact me for further information if you wish.

Company response to consumer: Closed with explanation