vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Bank of America 's credit did. Now, in XXXX, XX/XX/2015, Bank of America decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29 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: TX

Complaint narrative:
I 've been working to pay off my student loans over the last two months and twice I submitted payments that were applied incorrectly and on XXXX of the payments they tried to short me {$1000.00}. They were unreceptive to my complaints regarding the incorrect payments both times and even though I followed the website 's instructions to the letter, they still applied the payments incorrectly. I read in the XXXX about the lawsuit regarding Navient and I wanted to ensure my complaint was lodged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient will leave an automated voicemail that they are trying to reach the borrower and need to speak to them about their loan. When you call back to the number they leave it is not being answered in the proper department. Navient has also indicated that payments were not made on certain accounts until I inform them that I have a confirmation number and the money has been removed from my account, then they magically find that the payment was made ( sometimes on the same day ). Until an argument took place I had no knowledge that Navient had a private loan side and a federal loan side. Whenever, I call in they are automatically sending my calls to one or the other side but not necessarily the correct side. I am getting information from people that the loan is current and then others are saying it will be reported to collections. It is frustrating because until reaching out to XXXX I was unaware of a national database that existed which one of my loans did not even appear on. However, that did not stop Navient from trying to collect after a 4 month delinquency that I had no idea even existed since I had consolidated to the Loan Forgiveness Program and was making payments and was current. Then Navient contacts me about a loan AFTER it was already delinquent. When I inquired to where this loan had been and why it did not transfer over when requested ( two years earlier ), they could only tell me it was in an administrative hold and it would need to be researched because they could not even tell who made the hold request. The lack of professionalism and knowledge of what is going on with accounts in Navient 's custody is pure disgust. NAVIENT SHOULD BE PUT OUT OF BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have XXXX credit card accounts with Bank of America : XXXX is for both my wife and myself and XXXX which is my individual card. On XXXX XXXX, 2016 I contacted BoA to make payments for my accounts. I spoke with XXXX XXXX. I auhtorized bank debit for {$670.00} for account ending in XXXX from my account at XXXX. When discussing account ending in XXXX I had a credit balance of {$500.00}, which I also asked XXXX XXXX to CREDIT my bank account at XXXX. The reference for these transactions was XXXX. 
On XXXX XXXX, I noticed my XXXX bank account had been debited for the {$670.00} but had no credit for the {$500.00}. I assumed this would take XXXX or 2 days same as the debit. However, by Friday XXXX/XXXX/2016 I called around XXXX XXXX and spoke with XXXX at BoA and complained about non-receipt of credit at my bank. XXXX XXXX informed me that the the payment had been authorized that date and I should have it in my account by monday morning XXXX. 
As I did not receive the funds on XXXX, I called back BoA and spoke with XXXX from Texas on XXXX/XXXX/2016. I again explained my frustration about non-receipt of funds in my bank. It was only at this time, on XXXX XXXX that upon reviewing account notes with XXXX that we discovered BoA had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. 
XXXX spoke with her Manager and informed me BoA would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in XXXX by the end of the day. It is now XXXX XXXX on XXXX XXXX, 2016 and still NO CREDIT in my bank. 

I would like the CFPB to investigate why is it that BoA has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does BoA not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday XXXX I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. 

I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. 

Thank you XXXX XXXX

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 2016-01-20 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: FL

Complaint narrative:
on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Bank of America returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I went to XXXX XXXX about ten years ago little did I know that coming out of school that I would be making extremely high monthly payments. I could not make the payments with the current job I had so I completely stop making all payments. Years later it has affected my credit tremendously most of the loans are charged off or defaulted on which looks bad. At this point I can not get any type loan car home etc. I do not know where to look or how to get these loans off my credit report which has put me in a tight spot. I would like to finally get this resolved once and for all so I can have a secure financial future.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying to re-new my income-based payment plan for almost six months. My old plan expired. Six months ago, I mailed in the application with a signed letter claiming my income as instructed. When I never heard back after a few weeks, I called them and they said that I had " checked off the wrong box '' so my new plan could n't be processed. They told me to check off the right box and re-send the plan in. But, when they transferred me to another department, that department said that I had checked off the right box, but that they needed better proof of income ( which I could n't provide since I was an independent contractor at the time ). They said they could n't help me further, and I was really confused. Flash forward to three months after that, I got a new job with an offer letter that I could use as proof of income. My loans were in deferment this whole time ( as they hand out deferments like candy because it only means more money for them ). I decided to try to fill out the online income based application on the federalstudentloans.gov website. I fill out the form then get a series of conflicting emails saying that I both was and was n't approved, and that the next step should be to upload the proof of income. So i decide to upload the offer letter responding to the latest email, but it 's been like crickets since then, I have n't heard from them and this was over one month ago. I do n't know what to do because my hope that my plan will get processed is completely gone at this point. Why do they seem to have so many problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 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: MI

Complaint narrative:
With the previous assistance of the CFPB, Navient agreed to allow me to enter into a repayment plan at a lower interest rate with lower monthly payments due to economic hardship. My economic hardships resulted from being unemployed and no offers on the table at that time. The repayment plan was that I was to pay {$340.00} per for the next year at 1 %. If at any time I did not make a payment on time Navient had the option to remove me from the payment plan. The payments were to be automatically deducted on the XXXX of each month. The first payment was due XXXX, 2015 and the funds were taken out XXXX XXXX, 2015. The second payment was due XXXX XXXX and the funds were taken out on XXXX XXXX, 2015. The XXXX pay, likewise, were due on the XXXX but this time they were not automatically deducted from my account on XXXX XXXX, 2015. When I contacted Navient I was told that I had defaulted on my account and that I no longer had a payment agreement with them. 
At first I thought it might have been a error on my credit union 's account because the funds were in my checking account and available for withdrawal. I explained to the representative that it had to be a banking error because the funds were there. He stated to me that that did not matter and that my repayment plan was now void since Navient had not been paid on time regardless of whose fault it was ; since it was a new month and I had not notified them by the last day in XXXX. He also stated that I maybe be able to get into a new repayment plan but it would be more than my original plan. I notified my financial institution of what had happened because of the error with my account. It was then that it was brought to my attention that Navient had not attempted to withdraw any funds from my account on XXXX XXXX, 2015 per our agreement. After checking my account statement I checked my Navient account. Under the correspondence there are two documents stating that I am delinquent on my loans. The are dated before the XXXX loan installment was due. I did receive a message stating that if I do n't enter into a different payment plan or pay the past due amount this month my account would be placed into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 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: NJ

Complaint narrative:
i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 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: MD

Complaint narrative:
I enrolled in college XX/XX/XXXX & had to take out a loan. I took a break from school due to personal financial reasons. I was contacted by my loan officer & told her what was going on. I told her that I would be going back to school in the following XXXX. She said okay and proceeded to defer my student loan. I started back in school XX/XX/XXXX. Recently I checked my credit & XXXX of the student loans have been added onto my credit due to delinquency even though I have been back in school for months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
There is a Bank of America credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Bank of America because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Bank of America to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if BOA reports to them. If BOA believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Bank of America checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Bank of America address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this BOA credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
This is an invalid student loan account. The amount and information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
i pay to a collection agency back on XX/XX/2015 and a new collection agency is taking me to court. I submitted prove of payment

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 2017-01-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
i am a bank of america costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost is XXXX

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 2017-01-20 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:
I have had many issues with XXXX/Navient. When I was unable to pay due to financial difficulties, they refused to work with me nor help me to put me in a repayment plan that was reasonable. They have misallocated my student loans many time which has caused me to default on one of my student loans and the loan went to collections. I have since then paid off the loan which went to collections but it affected my credit score. XXXX/Navient has harassed me many times when I was unable to pay the full amount of {$1000.00}. They have told me to ask my boyfriend for money to help pay and that my rent is too high and I should move to a lesser expensive apartment. That is just 2 of the examples. The representatives at both companies have misinformed me many times and contradicted themselves with the information I was given. Because my credit score was affected, I am not able to consolidate my loans with another lender. 

I attended XXXX, California which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My name is XXXX XXXX I am a XXXX veteran. I have filed several complaints regarding Bank of America and I am filing another one I have been working with Bank of America for several years now. 
Now we are at the short sale of XXXX XXXX XXXX, MI XXXXAll the things I feared about working with a big banking company was just true. Initially I got a lawyer to handle this for me. He got indicted on felony charges and dealing with Bank of America has been XXXX ever since. My hair has fallen out, it has been aggravating my XXXX and putting them on over load. 
Anyway. I have honestly tried my best to rectify my issues. I have complied, complied, complied, and still I get to these stop lights that turn red and never turn green again until I call you guys to get on their butts. 
This time, we are all the way to the end of the Short sale process. Now I do n't have a Short sale represented. I have a realtor and a buyer for the house. The appraisal is complete. Now the realtor ca n't find out what 's going on with the short sale. It appears the selling of the short sale came to a complete halt. Contact person has disappeared. No one knows who is handling my short sale. It 's just crazy. I am to be closing on the deal any day and I do n't know where it is who is in charge of my closing. I was instructed that would short sale representative to guild us through the process. Initially we had one. But she would n't close the deal because she accused us of having XXXX mortgages on the house and I did not. I had to write you guys to get that misunderstanding rectified.. I nor my realtor has yet to receive any correspondence. Is hurtful. Please get me assigned to someone to finish this process. Hopefully they have nt thrown it into the wrong pile and put it foreclosure or something. They are full of surprises. I thank God I have you to help me through this absolutely this horrific process.. I saw with my own eyes, how my friends tried to work with them and they still lost their houses. They are clever and ruthless. I am just hanging own by a thread because of you. Hopefully I am not too late with writing this letter. 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