vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-03 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: CA

Complaint narrative:
Loan Original Disbursement - {$21000.00} - Payments made towards Loan - {$14000.00} This loan has been on repayment and throughout time I have paid off {$14000.00}. However I still have an unpaid principal amount of {$32000.00}. The interest rate, fees and terms seem to be a scam. My remaining balance after interest should be hovering around $ XXXX instead it is nearly {$33000.00}. The loan is making around {$25000.00} if I pay off the loans currently OR if I continue to pay off the loans the company is making nearly {$36000.00} off of a {$21000.00} original disbursement. This is disheartening as the {$14000.00} payments that have been made seem to have gone no where except to a entities pocket. Please inform me what can be done to bring my remaining balance to a manageable number as I have nearly payed off the original disbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I was recently charged {$74.00} on my Navient loans. The transaction detail only says " Rebate Reversal ''. The other thing is though this was a total of {$74.00} it oddly appears as {$30.00} on one loan, {$30.00} on another, and I ca n't even find where the other {$14.00} went. 

I called Navient to talk to them and ask them about this. This was 15 days ago. The person I talked to could not tell me what this was, why I was getting it or where it came from. He did some digging. It said that it looked like I failed to pay one of my loans on time. However, we both went through my transaction history and not only have I always been on time I make multiple payments a month in order to keep interest to a minimum. He said it does appear to be though a violation of an agreement. Which I asked, What agreement, he did n't know. I asked what other loans on my account had an agreement, which again he did n't know. He told me he needed to submit this to somewhere else and they would get back to me within 14 days. I have yet to hear from them. 

The only thing that I can think of remotely of me missing a payment would be XXXX of 2016. This is when Navient upgraded their website and corrupted thousands of peoples student loan information. I could not log in to the website, I could not make payments. I called multiple times, which they should have on record. Every time I was told that I would not be charged any penalties for this because the problem was their fault. They still to this day do not have the new website up and running and I have to go to the old one to do things. Which again, if this outage on Navients side back in XXXX is the reason for me getting charged this rebate reversal, then I should not be charged for Navients mistakes. 

What I want : 1 ) Why was I changed this rebate reversal? 
2 ) What other loans have some sort of agreement? 
3 ) If this was because of the website outage and Navient 's corruption of customer data, then this is not my fault and the money should be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Countrywide used a bait and switch at the time of the Mortgage signing and split the loan into XXXX loans. Countrywide went out of business partially because of their illegal practices. Bank of America took over the XXXX loans and they are calling the smaller loan an EQUITY LOAN. It is not an Equity loan and never was. After four years of disputing - what they call an equity loan - they finally Modified the loan with the same terms of teh original illegal loan. How is this legal? Because they are calling it an equity loan, they will not modify it the same way the modified the first loan. Bank of America is using the illegal terms of the COUNTYWIDE LOAN to make us pay all the interest they caused by delaying the modification for four years.

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 2017-01-20 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: AZ

Complaint narrative:
I tried to pay my student loan off faster and applied money to XXXX of the loans. The money was reversed and applied to both loans. A navient customer service rep advised me the federal govt has regulations in which they must adhere too. And they would not reverse any pmts for these reason. They also extended the length of my loans with new pmt amounts again following government regulations. When I complained I received a nasty letter from indicating I was informed of theses regulations but could not do anything about it because they were only following what the federal govt had given them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I have requested a description of how the investigation was conducted along with the business name, address and telephone number of the source of information. I have requested this information more than once and they will not provide it. Experian is bonded by the State of Texas and they are required to remove any and all invalidated debts. They are refusing to do so and are refusing to provided the written documentation showing this debt has been properly validated. They are violating my rights and I will not allow it to continue. Do your job and remove this invalidated debt. YOU ARE REQUIRED UNDER THE LAW TO DO SO. In fact, XXXX XXXX has now closed this account because they recognize they can not validate it. Obviously, Experian is not doing their job and has not been able to validate the debt. This is not my debt and must be removed. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I did not enter into any lease agreement with that apartment complex. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. My next step will be file a complaint with the Federal Trade Commission regarding Experian 's unethical and improper reporting activities. 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 2016-03-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I had fraudulent activity on my Bank of America XXXX # XXXX which I described in detail through the " Tell Your Story '' portal on the CFPB website about a week ago. Possibly, BoA may have been hacked in view of the repetitive nature of the fraudulent charges. After I contacted BoA about the fraud, they closed that account and assured me that they would expedite delivery of a replacement card so that it arrived no later than this past Tuesday, XXXX XXXX 2016. However, Tuesday came and went, Wednesday came and went, and Thursday came and went, with no replacement card. This is one of several lies BoA told me. On Friday, the card arrived. It has the account number XXXX. Instructions with it said to call an XXXX number to activate it which I did. At that time, a recorded voice told me that the card was activated and ready to use. This is the second lie that BoA told me. Because the fraud department at BoA had told me to report other activity, I thought I should call it to confirm that the card was activated. I did so on Friday and was told by the representative I spoke with that the card was activated and ready to use. This is the third lie BoA told me. Today I tried to use the card for the first time and it was declined. BoA also wasted well over an hour of my time engaging in these unfair, deceptive and abusive activities, worsening them with excessive, hollow, time-consuming apologies along the way. After I spoke to the second person at BoA about this today, I asked to speak to a supervisor. I think the supervisor identified herself as " XXXX '' in Georgia. XXXX refused to rectify the problems by getting the card to work. 
On Thursday, when this card had not arrived, I called BoA to report that it had not arrived by the date certain BoA had said it would arrive by, last Tuesday. At that point, the person I talked to said she would send another, second replacement card for the original card. When the first replacement card arrived the next day, Friday, I was told twice by BoA, that it was activated and ready to use. The representative I talked to then told me that he was was going to cancel the second replacement card that I have never received. This was the fourth lie that BoA told me. Instead of cancelling the card I have not received, he cancelled the card I did receive, and then immediately told me that the XXXX I had was activated and ready to use. 
I finally hung up the phone with XXXX who refused to honor what BoA had told me previously. I 'd had enough of BoA 's lies and had had more than enough of my time wasted. I 'd told her that she could explain BoA 's prevaricating proclivities and abuse of its customers to the CFPB.

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 2016-12-03 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: CA

Complaint narrative:
Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.

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 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
i have been trying to pay my loan back for months with navient. i cant even make an account online. When i try to, it tells me to call them because there is something wrong. so i have been. Heres what i have found out ... i cant make and account because there is another account separate from mine and from me with MY social security number but a different Birthday. so i can even create an account to pay my bills or check my status or even have an account. This has been going on for MONTHS and i dont think they are even trying to fix it. they are charging me interest, they are harassing me by phone and mail, telling me i need to pay them, threating to report to the credit companys. Please help me! someone has used my SS # and opened another account with navient, i cant pay my bills on my own account, and its gaining intreast, and they are doing anyhting about it? PLEASE HELP ME ... PLEASE ... ..

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

Complaint narrative:
I saw an XXXX University XXXX commercial and made 1 call to inquire. Every since that day I dreaded ever contacting them. They called, emailed, left messages everyday ... numerous times a day. I ended up attending XXXX University XXXX, FL from XXXX til XXXX for an XXXX XXXX in XXXX. Initially, tuition was under XXXX a semester, but every semester it increased until it was just about XXXX per semester. As a result I 'm now XXXX dollars in debt due to a 2 year degree attending XXXX University XXXX. As well all know now my degree that I put blood, sweat, and tears into is not even usable due to XXXX closing and the school being non accredited. I was initially told the school was accredited an that they do job placement after graduation. NONE of that was true! It was a all a hoax to me ... like a bad dream that left me in debt. I feel my loan along with thousands of others should be forgiven, cancelled, completely abolished due to the circulating news of their closing and being sued, no accreditation, lies of future employment placement, and let us not forget their lying to millions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 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: FL

Complaint narrative:
I continue to receive an annual notice for a closed bank account with a charge for safe deposit box rent. The Bank of America branch located in XXXX XXXX XXXX, FL closed my checking, savings, ATM, credit card and deposit box over 3 years ago. These transactions were done, in person, with a bank officer .... I returned all bank cards, keys and records and received a bank cashiers ' check for all money due at this closing.. I also receive robo calls from XXXX with a recorded message with a reference number. These actions are at best harrassment and most certainly a fraudulent activity. All attempts to contact B of A and speak to a representative have failed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a credit card and checking account with bank of america and the accounts disappeared from my online banking profile. When I called Bank of America, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.

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 2016-09-12 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: OR

Complaint narrative:
Despite numerous written requests for a detailed calculations, Navient refuses to provide me with documentation explaining why my IBR payments have increased 400 % despite no commensurate increase in annual income. I have submitted multiple IBR requests complete with payroll documentation to Navient, only to receive no change in decision or written statement from them explaining their actions. Their customer phone tree generally takes XXXX45 minutes to reach a live person, and then usually results in several transfers and a recommendation to resubmit an IBR application. Conversely, Navient sends emailed, written, and telephonic updates almost daily to advise when a payment is due to them. It is clear from this pattern of communication that Navient wishes to reap the profits from servicing students loans, while placing minimal attention towards their fiduciary responsibilities to loan holders and US government alike.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have XXXX credit cards with bank of america. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.

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 2016-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: SC

Complaint narrative:
I called when having trouble paying my loan and was informed that my payments would be {$60.00} ; however, after consolidation my payments were double that.plus some. I tried again to get my payment reduced and the representative told me another figure which still was not {$60.00}. The interest rate I have been charged during my forbearance is astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
hi my wlfe hads been out of work for a bout 2 years .I XXXX XXXX is the only one working at the time.i been paying my morage late but it get paid .bank of America been threating me that they are going to put me and my wlfe out and grand son.i hand ask theme for help and they turn me down.and they have all kind people callin me and sen me letter a bou my late pay ment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: PA

Complaint narrative:
For the past year or so, every time I have tried to pay extra on my one loan, it only advanced the due date of my payment with Naviant. I have even called to have the issue fixed but it was not fixed. Each time my due date was pushed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Bank of America was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation