vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-06 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: PA

Complaint narrative:
I am with bank of america and I have a core checking account. I have recurring monthly charges to be billed to my account, and in XX/XX/XXXX and XX/XX/XXXX i was charged overdraft fees for services which automatically billed, and the bank determined to clear on the own volition. I did call into bank of america on XX/XX/XXXX and was advised by the supervisor that the fees were valid, and that i had no right to their return, even though i had originally requested a bank account that would not let that happen. I was then advised that the checking accounbt i was in, allowed for those to go through, i could not stop it, burt i should have been originally set up in a " safe balance '' account. this is a checking account from bank of america that does not allow those charges to go through. I was never advised this bank account existed previously. the person at the branch did not ever advise me of this bank account even though it best suited my needs and requests as a consumer when i opened my account in XXXX of XXXX the banks website does not offer the checking account product to someone going to open a checking account online. the supervisor came back and was unablke to show me on the website where the safe balance checking was offered as it isnt. consumers who do not want their debits to go through without proper funds in their account have no option online or available in the branches if they do not specifically know to ask for that specific account. i was told wiith my account it wouldnt happen, and yet it did. the supervisor did refund the {$70.00} in fees at the end of the call, but also stated there was no way for a consumer to know about the other account unless specifically offered it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my credit card account with no warning. The account was current with no issues. I had earned {$300.00} in rewards. The bank is telling me that since the account is closed, I have forfeited these rewards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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 can not afford my private student loans payments. They want me to pay {$260.00} a month. My area was hit by a hurricane a few months ago so my loans were put on a deferment. I was told that when I came off the deferment that I could do a rate reduction payment. The rep told me that even though i have signed up to do the rate reduction twice that I am able to have someone sign me up. The deferment is over and they told me that there is nothing they can do to lower the payment. I have never worked with a business that has no heart. I was on the rate reduction for 2.5 years a few years back and paid it every month. Now all the 12.25 interest that has accrued it is back to where the original was. My life is totally over with this business not willing to work with me. I hope that others will take there business elsewhere it is not worth the stress this business puts people through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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: GA

Complaint narrative:
My stepson used my ss # to obtain XXXX different loans. He lives in XXXX, I 'm in XXXX. He originally asked me if I would Co-sign for a {$1400.00} Loan and had my ss #. Then I found out it was for a {$4000.00} loan. He asked me again for my ss # for a second loan and I refused. He used it anyway and now is not repaying. This happened around 7 years ago. I filled out a fraud report and filed a police report and told the loan person I would follow through. They investigated and refused to take me off the loan. I never signed anything. I think he did this loan over the internet, but not sure. The loan company has never sent me anything with my signature. I had very good credit, not it 's ruined because of this irresponisble sneaky XXXX year old who lies constantly. He has blocked me and his father so I ca n't communicate with him.My husband does n't work ( XXXX ) and I only make {$36000.00} per year. My husband has XXXX per month retirement. I ca n't make the loan payments and now my credit is ruined. Please help me. The loan company, when I spoke with him on the phone was rude and said it was my word against his.. Can I get this removed from my credit report? I believe the total bill is around {$11000.00} for both loans he took out. I have been dealing with this for so long and would n't turn him into the police as long as he paid. But he wo n't pay any longer so I had to turn him in. I do n't know what to do anymore. This is not right. Please help me. Thank you so much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I constantly receive calls from the XXXX number, which I have identified as Navient through online searching. When I answer the call, no one seems to be on the other line. When I do n't pick up the phone, they leave a blank voicemail. I get calls from this number 6 times a day and at the most inconvenient times. My loans are current so they have no other reason to be calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: WA

Complaint narrative:
My lender Navient has steered me into costly forbearance for financial relief instead of less costly options. I was once not told a fee would be issued for a forbearance, I was made to understand that it would collect full interest while in forbearance only. Because of the fact i needed 1 month of payment relief, i believe is was deceived. Instead of deferment which i think would of benefited my situation i was forced into the costly forbearance for a 3 month period. This happened on 2 occasions, on the second occasion i was made aware of a fee is applied to forbearance. 

Navient has also changed their page design numerous times and it is confusing to navigate and pay loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I 'm complaining against Equifax for their negligence in not making sure that my credit report is accurate after I have proven to them time and again that they are reporting these XXXX public records inaccuratey. I am including the letter that I sent to them as well as my credit report. Here is the body of my letter to Equifax : *you can see the public records section on page XXXX of the report XXXX XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/001 '' as well as the court that you have listed must be accurate which it is not - " XXXX ''? XXXX what? You also have no plaintiff! 

XXXX XXXX I 'm including the proof that you have the date filed as a nonexistent " XXXX/XXXX/0001 '' as well as the court that you have listed must be accurate which it is not - " XXXX count ''? I 'm also including the proof that this account is paid and that you are reporting a balance when it has been XXXX released and paid! You also have no plaintiff!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital LLC changed the open date on this account. I canceled XXXX XX/XX/XXXX that was my last payment ever made. The clock for the 7 year rule should have started counting then. The Jefferson captial changed the date to XX/XX/XXXX on my credit report. They have failed to work with me to change the date. I agreed to pay the {$220.00} if they take it off my credit report cause it has been over 7 years. This debt will be on my credit report for over 12 years I feel that is not fair at all. Is it illegal for a collection to change an open date on an account from XX/XX/XXXX which the last payment was made? Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
XXXX XXXX used deceptive and illegal practices to get loans in my name. I have attempted to request documents from XXXX showing what was signed and how much each loan was for. My loans have changed hands and I am having trouble finding out who I really need to speak with. I am looking to challenge all private and federal loans in my name. Please contact me with further questions. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 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 continues to disregard my defense to repayment for my current situation with The XXXX XXXX. The school I attended has done a teach out and is closing, been sued on multiple accounts, defrauded thousands of students, and unethically recruited students. Navient was involved with this system of predatory lending to schools that had XXXX transferability and they need to be held accountable. Please see my attached Defense to Repayment for a more detailed request for full discharge of these fraudulent loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.

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 2015-12-04 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-26 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: FL

Complaint narrative:
I have been a victim of fraud in XXXX I received a phone call saying they were from bank of america and they were calling from the loan department saying that I qualify for another loan modification everything seem so real paperwork had bank of america logo and calls were made from bank of america loan department he will always call me to make sure I made payments on time I made XXXX payments by XXXX he say it will go direct to the loan modification department I when I was ready to make my third payment I made a mistake and XXXX and when I was trying to make the corrections they told me to check with bank of america because there is been a lots of complain of people been fraud so I call bank of america and talk to them they say there is no modification been offer to me I walk into a bank of america on my home town and show them all paper work and to them they say it all locks legit they fax all paperwork to the loan department but they insist that there in no modification they recommended for me to go to the police station but police told me that I need some kind of report from bank of america that say that I reported this to them I been calling bank of america there is a report on the fraud department but now they say they can do anything for me now my hose is going on foreclosure bank of america told me to do a short sale bank of america does not care if they leave a family on the streets I been a victim of a fraud some XXXX is impersonating bank of america and nobody cares about it I do I do not want to lose my house and I need to help prevent this from happening to someone else the reason I am writing is because I need some kind of paper that say that bank of america is aware of this issue to take to the police department so they can open a case so please I will like for you to send me something so I can report this to the police

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 2016-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop 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 monetary relief
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
used Bank of America to pay dentist bill, however, dentist overcharged per the contract with dental insurance and Bank of America would not help -- -they helped dentist commit fraud. Then, after many unsuccessful and aggravating phone calls with Bank of America, they actually had a collection agency call me BEFORE the payment was even due. There was NEVER anything past due on my account. I had already closed my credit card account and I still get solicitations to borrow money. Thank goodness I had no other dealings with Bank of America other than a credit card. I am disgusted both by the dentist that did this, never responded to my direct contact and even more disgusted with Bank of America 's handling -- or should I say mis-handling of the whole thing. Good riddance to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Where do i get started. My father has recently passed on XXXX XXXX 2016, and during my dads funeral services my wallet went missing, and i noticed the next day and noticed {$200.00} was taken out my account, but how? I then call bank of america to report my card lost or stolen and put in a claim for this money they stole from me, and how they got my pin is crazy, they must f been standing behind me at an atm at the time of the funeral, and that is petty and sad just like bank of america! They declined my claim for what reason I do not know, and its sad, because I never try to claim anything or go through this broken process with these banks. But my dad just died and all these expenses left behind fall on me and I am in ruins right now! I would n't be claiming anything false, and the money was taken at a store atm, when i only use bank of america for just that " security ''! I am very disappointed in the way bank of america handled it and denying me for {$200.00} that is much needed to get my dad funeral expenses paid. I am so disappointed that I will be seeking a new bank soon, because it is sad that a huge bank like them cant help in your most time of need!!

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 2015-04-09 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: CO

Complaint narrative:
I am the co-signer for my daughter 's loans. She is unable to make payments so I took over the payments. I pay each loan separately, electronically ( by loan number ) through my bank, before the due date. I received a call today, XXXX XXXX 2015, telling me XXXX of the loans were late. When I returned the phone call, I found out Navient had placed the money where they desired, not where indicated on my electronic payment information. This caused the delinquency. I was on the phone for over an hour trying to fix the situation, I was transferred XXXX times, to different departments. If I send the payments separately, by loan number, how can they take the money and put it where they want? The loans were not delinquent. All XXXX payments were sent before the due date of XXXX 2015. I asked the customer service representative and all he did was transfer me to the person who was supposed to fix the problem. I spent XXXX minutes on hold while she worked through the problem. When she was finished, I asked her the same question. Her answer was that she did n't know. Before hanging up, I requested individual monthly statements be mailed to me for each loan I cosigned and a statement stating this problem was fixed. Navient may be a separate company, but they are still XXXX XXXX at the core.

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

Complaint narrative:
Navient has repeatedly suggested that I use forbearance when struggling after losing my job and after encountering financial problems. I have now had several forbearances and just recently I learned about Income Driven Repayment plans ... I do n't understand why they did not tell me that there was an Income Driven Repayment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
I went into forbearance on XX/XX/XXXX and it was to last until XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from a collections agency stating that Navient turned me in for failure to pay. When I called Navient today, all but XXXX of my loans were put on forbearance. I was under the impression that ALL of my loans were in forbearance. Now there is likely a hit on my credit report, so I 'm pretty upset. I 've worked very hard on keeping a decent credit score and also maintained regular payments until I became ill. 
The lady I spoke with stated that she has fixed everything, but I honestly do n't know. 

I have also tried to change my last name several times, but it has never updated, so my married name that is on my social security card is not what is on my loans. I 've sent paperwork signed and mailed with required proof as well as spoke with XXXX XXXX staff regarding this issue. 

I have attended several colleges due to my being a military spouse. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved

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