vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-18 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: MN

Complaint narrative:
Good morning, I applied for and received a total XXXX discharge for student loans. Basically, some medical conditions got worse instead of better. NAVIENT called ( several times daily ) and said I have XXXX ' signature loans not covered by the discharge. Together the XXXX ' loans total nearly {$14000.00}. I 'm lucky to have {$14.00} much less the larger total. There are MANY problems that make me doubt these loans even exist. 
THEY ARE : -- The Navient website strongly seems designed to confuse the user ( student? ). It is not at all clear what is owed, or not. 
-- Both loans indicate consignors. One of the cosigners listed is a person about XXXX and has XXXX. 
-- I answered the phone twice from Navient ; they call 2 to 3 times a day at least. They act as if they do not hear people, and keep pressing for full payment ( s ), on loans that may not exist. 
-- They mention or skim over loan assistance, but never go into detail. Navient describes how XXXX does not affect these loan types. By seen evidence, it at least can have an effect. 
-- XXXX of the loans is structured so the interest now nearly totals the principal. I am not sure I an legally prove I would never want a loan where the interest rate would make the XXXX proud, but there is 'no way ' I ever approved this. 
-- I asked for written documentation, which Navient said they would send me ; I have not received this information. ALSO any electronic signatures should have a physical signature 'backing ' it, from some point in the process. I need to see that physical signature to believe ( at least ) I am not being scammed. SINCE : It is hard to think someone may have taken my identity to get money, but these loans do not vaguely match anything I would ever do. And I do not recall them at all. 
-- SO ; even assuming these loans are real, and that is not validated, I hope to get some assistance. I want to get proof of these loans ; that includes physical signatures I have made per these loans. 
-- If I had money to give these guys, I might do it just to get rid of them, but I do n't. I could maybe come up with {$100.00} a month which would also mean eliminating a supplement insurance policy. Which would also mean skipping XXXX, so not the favorite of plans, Please assist me with this issue. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: AZ

Complaint narrative:
For many years I contacted XXXX XXXX /navient to inform them that I was not able to pay and advised for multiple years to apply for forbearance and deferment on my loans causing the amount I now owe to increase over time due to interest. Years later I was finally made aware that I could apply for income based payments but since the my loans have grown more. Also my complaint is that then I learned that the school I went to actually closed after I graduated and lost their accreditation which explained why no potential employer would acknowledge my degree again causing me to owe all this money for a degree that means nothing. Not only do I still owe these loans and interest i have negative information on my credit report making even harder for me qualify for credit and other resources. As a single mother trying to educate my self and provide for my family this is very discouraging and makes things very hard. The school I attended was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I lost my job XX/XX/XXXX. I went on craigslist to apply for different jobs. I had an account with Bank of America at the time. This one job sent me an email back stating I can receive money going shopping for other people in need and they will send me a check. Once I receive the check deposit in my account and take a percentage out for myself as they would give me a listing of items to by. I received a check in the mail from Texas and it was XXXX to me. Once I received the check it looked like a real check with a stub not knowing it was going to hurt my bank account. The bank closed my account after five years on count of this, because it was a bad check. Finally I not able to open another account not cash my working check. I hope my complaint reaches someone I was unaware that this situation would happen. Please help I have a son with a XXXX and I need a account to pay bills, work direct deposit and to cash my son SSI checks as well. I need help.

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 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Bank of America said they were unable to provide me with XXXX cards for my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX/XXXX/15 I mistakenly sent a check to my BOA credit card for $ XXXX.I had intended to send this check to another credit card company, having paid my account in full on the card in question on XXXX/XXXX/15. Realizing my error on XXXX/XXXX/15 I logged in online, confirming a credit balance of {$4400.00} on my account. I utilized their interaccount transfer function on the website to transfer the credit to my BOA checking account. On XXXX/XXXX/15 BOA charged me {$220.00} as a " cash advance " fee and subsequently has charged me {$5.00} in interest on XXXX/XXXX/15. I have discussed this with them, through XXXX levels of supervisors. It is acknowledged that no charges or interest should have been charged, but they insist that I must send them a check for {$4400.00} ( which is not owed ) before they can make a correction and later return that same amount. I refused to send such monies for what is an acknowledged bookkeeping error on their part. There is no reference in the interaccount transfer section of the website that any fees would be charged for transfer of a credit.I have been told that I have no further remedies available through their customer service department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I Want to file a complaint about Bank of America For Foreclosing wrongly on me and my familys only home we had and loved! Bank of America ruined our life 's and we have been XXXX ever since they wrongly foreclosed on me during a loan modification I was almost done with and approved for! Its been almost 3 years since Bank of America took our home and all I received from the lawsuit was XXXX. Thats not even a mortgage payment! How is this fair or rite at all!? Bank of America should have to give us back our homes or help us get new ones since they were wrong and took everything from us we worked so hard to get!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 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: TX

Complaint narrative:
Bank of America Charge me 3 times XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING. Activity they said I done it, and they are right but their online web side redirect my transaction from my external bank " XXXX XXXX '' to Bank of America checking account, account with no available money and charging me. Transaction I done many times with out problem. Something was happening ... XXXX XXXX " phone support '' help me fix the problem, telling me she experience the same problem before with her personal account, then she asked me to logout and fixed the problem, then asking me to login again. Then Manager XXXX XXXX said, nothing can be done with OVERDRAFT ITEM FEE, it was my fault for not fixing the problem before, when the first incident happens. I try to explain to XXXX several times and she tried to explain to again to XXXX XXXX her supervisor. indeed I when to local bank and ask for help, they forgive XXXX fee and not the other XXXX and they never inform me about the real problem and how to fix the problem or even contact online banking, until the XXXX time, they even shared the online banking phone number with me. Feeling sad and very disappointment with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I have been called everyday, several times a time. I had discussed my intentions in a polite manner and how I was getting money from my retirement plan to pay this debt and that is takes XXXX days to obtain the funds and how I had discussed this with the school i attended. I also explained that I intended to pay the debt. No even XXXX days later, XXXX from the collection office calls me and barrads me for the debt. After trying to explain to her that I spoke with someone XXXX days ago about it, she said she was " checking on the status '' I asked her if she was going to call me everyday until the XXXX days, she said yes and it was her right. I told her that this was harrasment, she replied that it wasnt and that she would call everyday, several times a day until the debt was collected and that if i didnt want to talk then not to answer the phone. Then she started to laugh, as if this was entertaining her and as if it was a laughing matter. This upset me because I am trying to work to get this debt paid and she has no idea the circumstances that caused this debt to get behind in the first place, then she laughed again until i hung the phone up. The past XXXX days i have been called XXXX times at all hours of the day

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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: NJ

Complaint narrative:
original date of plus loan XX/XX/2007. paid for many years. I am a XXXX with limited income. I have called and spoke to several customer service agents. loan as been deferred many times. it seems like they like when I do that. the accrued interest on the loan is the same as the loan itself. when XXXX sold to navient, consumers do not have a clear print out of how much money you paid. its an upward climb. and the interest rate is so high. there is no one at Navient that can really advise you to help pay this loan, or write off some of it so you can set realistic payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 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: CA

Complaint narrative:
My loans are currently serviced by Navient ( formerly XXXX XXXX ). I should qualify for a .500 % interest rate reduction due to auto debit, but was told that my eligibility was terminated due to XXXX rejected payments in XXXX 2014. I obtained a copy of my XXXX 2014 bank statement and it documents that there were not XXXX rejected payments in XXXX 2014. I provided a copy of the bank statement to Navient along with a request that they reinstate my interest rate reduction, however, they continue to insist that there were XXXX rejected payments and will not reinstate the reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America Home Loans has not released a XXXX mortgage lien ( Town of XXXX, Connecticut - Volume XXXX / Page XXXX ) despite account being closed since 2006. Repeated attempts by me to work directly with BofA, in its various incarnations, via mail and phone have been fruitless. If I do receive response from them, it is only in the form of a standard letter saying the matter is being researched, but this has been the case for years now with no resolution. 

In compiling information for this Complaint, I am noticing Servicing Rights were sold to Bank of America on XXXX/XXXX/06 under a/c # XXXX. Somewhere along the way, without notice to me, Bank of America Home Loans seems to have stepped in using a/c # XXXX. That in itself is strange too. Is that legal? 

Account is being reported as 'paid satisfactorily ' and 'closed ' to XXXX and XXXX, respectively. 

Please help me get this matter resolved and the erroneous lien removed from the land records. Thank 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 2016-05-13 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: MA

Complaint narrative:
Navient improperly calculated the monthly payments on a series of student loans by improperly using a shorter repayment/amortization schedule than was contained in the loan document. This has led to significant acceleration of the debt repayment and has caused financial harm and hardship in making higher payments than were required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
closed my personal accounts because my business account was overdrawn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a mortgue with bank of america I over paid my escrol account and am due a refund but am behind on my loan so they will not give me my money I asked to have the money applyed to my loan to help bring it curent and they wount do it they told me they have to send it to me but they wount because I am behind

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/XXXX, I received an email from " Bank of America on Line '' stating that my XXXX mortgage payment was not received. My home mortgage was closed/paid on XXXX. There were no accounts existing in XXXX with BofA. When I called BofA Mtg customer service I was told that I would have to contact " BofA on Line '' since that was different than BofA XXXX XXXX. I asked the customer service agent to correct the records, but they refused. Checking my annual credit report in XXXX on the web, I found that there was a 30 day delinquent record for XX/XX/XXXX thru BofA. I then went to a local BofA branch to process a request to correct the records. The branch did so and gave me a case # of XXXX. I was contacted by an agent from BofA the next day who again told me to email BofA on Line. They did acknowledge the mtg was paid on XXXX XXXX, however, but again would not correct the issue on their end. It is apparent that the " on Line '' entity has the ability to post incorrect data for BofA Mtg, but BofA Mtg. is not responsible!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - " Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.

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 2016-03-14 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: DC

Complaint narrative:
I took out a student loans for my daughter that is past due and I have been trying to renegotiate payment ; however, I am facing what I consider to be unfair and arbitrary business practices. The negotiation has been in bad faith on the part of Navient and its debt collector, XXXX XXXX XXXX. 
When I first called to settle the staff member only wanted to get me in a loan rehabilitation program. I, however, wanted to have a payoff which would save me money in the long run. Their standard pay off of 91 % of the debt was too high for me. The next day or so, I called back and got someone willing to put in an offer to Navient. Navient came back with an offer that was still too high. I counter-offered and they came back with a HIGHER pay off amount. They said they recalculated according to the poverty levels in each city and state. When asked for the calculations and documentation, they would not supply it. 

I consider it negotiating in bad faith to raise the pay-off amount from their original offer. The agent answered that they do quarterly reviews. It is not the end of a quarter and I find this change arbitrary and unethical. The end of the call noted the collection costs of {$1100.00}. It sounds like they increased the pay-off to cover their own fees. This is an undue burden and leaves me with the sense that XXXX XXXX XXXX is selling their loan rehabilitation program to the continued detriment and debt of the borrower and not allowing any options. 

As the borrower, I have no recourse which is contrary to American values. There are NO telephone numbers at Navient to call. No people to speak to at Navient. I am only able to speak to people who are earning money off of my debt and have no interest in helping me with a reasonable and rational settlement. 

I also believe that an XXXX somewhere and Department of Justice should look into these business practices that actually hurt rather than help the poor. 
Thank you for your kind attention.

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

Complaint narrative:
XXXX XXXX has charged incorrect interest, has changed its rates from Fixed to Variable rates without full disclosure. Then XXXX XXXX changed its servicing name to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have XXXX Bank of America credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the " payment due '' code online or in their voice response system. And that is not just a harmless " glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a " glitch '' and would resolve itself, it did not, and B of A started calling me about a " late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a " glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled.

Company public response: Company 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 — 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:
Someone took out a fraudulent student loan in my name with XXXX XXXX University through Navient and both XXXX XXXX University and Navient have refused to help me, even though I submitted police report and fraud affidavit.

Company response to consumer: Closed with explanation