vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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 made it difficult to get ahead of my payments from the beginning. I began paying after I graduated in XXXX. What I did n't know is that in the first 2 years of repayment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, only {$29.00} of my total {$1900.00} in payments would go to my principal. I essentially paid only interest for 2 years. 
On XXXX/XXXX/XXXX I began increasing my payments to around {$400.00} a month up from the {$100.00} minimum. When I chose to decrease temporarily to the minimum because of some life expenses, I was told that my required minimum monthly payment had been automatically increased without my authorization to the {$400.00} I opted to pay - and they would not let me decrease. It took me several phone calls, arguing and being really forceful with managers to get them to acknowledge that my higher payment was a choice, not something I agreed to changing. It took even more force to get them to stop the next payment which was still almost 2 weeks away! I ca n't imagine what the outcome is for people that have less customer service experience or who are not comfortable being assertive. I have asked twice - once last XXXX and coincidentally once again just a few days ago - to make payments by phone paying only the principal and was told that 's not an option. Navient has consistently made it difficult to accelerate paying down my loan either automatically or by phone without paying for interest, which defeats the purpose of making extra payments. At the current monthly minimum I 'm scheduled to pay off my Navient loan in 10 years when I 'm XXXX. 
Has anyone else that made additional payments earlier this week ( I made mine on XXXX/XXXX/XXXX ) that their due date was weirdly not for several months and today lo and behold, the due date is this month?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: NJ

Complaint narrative:
I have my student loans through Navient, which is a terrible company and I would never tell anyone to ever borrow money from them. I owe them just a little over {$80000.00}, which I understand that I borrowed the money and I should pay them back. I 'm ok with paying them. I feel that I should pay them, but what they are doing is thievery. I have a total of XXXX loans through them ranging in interest rates from 4.75 % up to 11.62 %. When I called them to see if they could help me to possibly consolidate these loans I was told they are not doing any loan consolidation at this time, which is what I was told every time I called them. They could n't offer me any help to bring my payments down to a more manageable monthly payment. And mentioning monthly payments, I have a lot of them left. I was told my final payment will be in 2035! I will pay off my house before then! By that time I would have paid them over {$200000.00}. I initially only borrowed around {$66000.00}. That 's an absurd profit margin. The only answer I got from them was them telling me to call another lender to try and consolidate some of the current loans. So I am in the process of doing just that, but it would be nice if the company I borrowed from were more helpful. As I stated before, I would never borrow from them nor tell any else to borrow from them. They are a bad company with bad practices. This whole ordeal has made me really wish I did n't even bother going to college, and it makes really think if it 's worth pushing my future children to even bother going. I hope someone can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I previously have had an account with Bank of America they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Bank of America closed my account and refunded my money that was still in the account. I have tried to contact Bank of America repeatedly for assistance with this matter and have had no luck in doing so.

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 2016-05-10 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: GA

Complaint narrative:
I 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps

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 2016-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has contacted people outside of my direct network to find people in my network asking them what their relation is to me. They are also contacting my work directly, soliciting for me while it is inappropriate and will jeopardize my employment. Instead of contacting me directly, they choose to go around me, to the point where it is embarrassing and mortifying. When I finally talked to someone who called me at work, while I was at work, her attitude on the phone was, " Well, so what are you going to do about it? '' About 3 hours later, I found out that they are contacting my work still, trying to send a garnishment letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I have a Bank of America Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Bank of America fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I lost a bank of america credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local BOA office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that BOA is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, BOA told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local BOA, and inform them I am pushing for BOA to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I filed my borrower defense to repayment in XXXX of 2015 and Navient has still not put XXXX of the ffelp loans that shows up in my name into administrative forbearance despite several emails to the department of education and despite Navient putting all of the other loans under my name into administrative forbearance. I will not talk on the phone with them because they always end up lying to me or lying about allegedly not receiving documents I send. I want written communication only. I was the victim of for profit fraud and I want the administrative forbearance I am legally entitled to. They had this account in forbearance. I do not know why it isnt anymore but I am being threatened with default when I filed my borrower defense to repayment for these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is the story of JP Morgan Chase and the multi-year long saga of the never ending document demand and " we 're reviewing your loan modification request '' lie. This is how the original borrowers from Washington Mutual were treated when Chase bought their loan portfolio several years ago. Incessant letters, lost documents, multiple account rep changes, misleading characterizations of what underwriters were doing, lies that your loan was suspended from foreclosure when the XXXX was actually proceeding to foreclose. It was the most horrible experience I would never wish upon anyone in this country. Not months of waiting for an answer about a loan modification-years- and it never happened. My logical request to make some good faith payments while awaiting a decision- denied. Loan counselors so inept as to basic mortgage practice- widespread. Wasted hours copying and sending the same information over and over to a black hole- I wish I could have those hours back in my life. Again, all for nothing. Chase- I do n't care about how busy you are, how many problems you have and all the lame excuses for not dealing with your customers in a fair and expeditious way. You wanted to become this behemoth enterprise so you deal with it. I 'm done with you after paying this loan off and you will never see another dime of my money come your way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Around 2006, I consolidated about {$3200.00} of student loans while attending college and working. University XXXX, which one of my student loans were through, added another student 's loan to my consolidated loan. 
I contacted the bank and Dept. of Education Ombudsman, after the total of my student loan account reached {$17000.00} of her past due student loans. They were added to my social security number along with her last name. I refused to pay anything until an audit was done on my account. I am still waiting. I want to return to college and pay off my student loans. 
The Dept. of Education did remove part of her loan amount. My wages were garnished along with past income tax refunds which never reflected on my account or who knows. I have requested for an audit and crickets. Please help me with this. I have proof of this incident happened, so please call me so that I can fax the sheet of paper to you.

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 2015-08-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CL Holdings LLC
State: IA

Complaint narrative:
I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. 
This was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. 
Purchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. 
After months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. 
I figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Been out of work for almost a year due to health issues and they still will not work with me. Most of the people I talk to are rude and would not let me talk. navient is charging me every day even though I am paying payments. I have tried several times to explain to them I have been out of work and even tried to get them to let me get back into school so I could get a job. They cont. to take my payments but will not let me do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I received XXXX tickets from Washington XXXX. The ticket was sent in the mail with an expired Court date I called XXXX and asked when could I have a court date that the court date had expired. Told I could not get a court date ( right to due process ). XXXX XXXX XXXX was to be paid in XXXX County ( another error ). Told to write XXXX letters gone unanswered.XXXX ) Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX2016, No response. Contacted XXXX/XXXX/2016. Called was told that the account at the request of XXXX was sent to Municipal Services Bureau. Come to find out from representative XXXX that XXXX and Municipal are XXXX in the same and that Municipal is the parent company. Team player XXXX stated the the dispute was put in on XX/XX/XXXX2016. No response. Even after request for me to resubmit another dispute. Misrepresented who they are and denied me the right to have this resolve by not letting me speak with a supervisor for resolution. The amount owed is completely different from the court house portal. Speeding ticket is XXXX and the XXXX suspension is XXXX now the ticket is XXXX XXXX at the Washington XXXX stated that the amount is high because I did not show up for court. Never had a court date. Called the credit bureau at least 20 times. XXXX/XXXX/2016 spoke with XXXX, XXXX, XXXX and he informed me that I need to submit another complaint dispute online that is the only way. XXXX 's team member said that they are a municiple court ( false ) an the have more time and she does n't know how long for a dispute. The letter XXXX and XXXX at the Washington XXXX was submitted 3 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01 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: NC

Complaint narrative:
I took out a {$10000.00} student loan from XXXX in XX/XX/XXXX. I finished school in spring XX/XX/XXXX. After I graduated, I was unable to find a job to begin making payment on the loan. After being harassed starting 3 months after I graduated, the loan was finally defaulted on after a few months. Eventually after finding a job, I still was unable to make payments, but the loan had been handed over to navient. The company was unwilling to do any type of forbearance or deferment to help reduce the payments. Currently, I 've tried again to help fix the issue but I 'm completely unable to even speak with anyone from navient. I 'm automatically transferred to a 3rd party for collection. The collection agency offers settlement options that are competent unrealistic. They offer me a settlement ranging from $ XXXX {$8000.00} or a payment plan to reduce to the interest rate. As they said he current interest rate, the monthly payment would go only to interest and never touch the principal balance. The issue with the payment reduction plan is that it requires too much month up front ranging from $ XXXX {$2000.00} and then followed by monthly payments that are unaffordable. I just want to clear up this debt or get help with repayment from NAVIENT because the 3rd party collection agency ca n't even negotiate the terms of the settlement. No one would benefit. But on the other side NAVIENT is completely unwilling to communicate with me to discuss options. And they still currently service the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Bank Of America Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Bank of America was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Bank of America refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Bank of America feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: TN

Complaint narrative:
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My mortgage account was paid off, and I expected refund of the escrow balance + unused interest. The bank did not send the final statement and cut off my online access. Luckily, I kept the web records, and calculated that they quietly reduced the refund. When questioned on the phone, they reluctantly admitted that they charged different fees. No such fees were expected, disclosed or authorized by me. I specifically asked the new lender, who received the payoff requirement, and have the emails explaining that only the interest was the factor and would be prorated based on actual payoff date. The bank representatives were putting me on hold and could not come up with the straight story about the fees. On XXXX XXXX, however, with my persistence, they agreed that there was {$130.00} added and promised to send a check for {$60.00} stating that remaining {$75.00} they could not refund : Supposedly, it was a recording fee to my county. My new lender had all the settlement fees disclosed, and everything was covered by the new loan. I think that they are hoping that I give up. It is very difficult to reach someone using the customer service number they provide, they do not direct you to a helpful department without much pain, use long holds and make promises like sending a statement or making a case that would be acted upon that they never plan on executing - one manager even admitted that.

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