vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them.

Company public response: Company 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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am being harassed on a daily basis on a debt that I do not owe. I sent them a letter asking them to cease and desist from calling me. I sent a certified letter asking the debt to be validated and they have ignored my requests. They are affecting my credit tremendously with these false accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 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: OH

Complaint narrative:
I am on XXXX and live on a fixed monthly income. I 've exhausted all of my other options, forbearance, deferments. Etc. I called XXXX XXXX or XXXX, XXXX and spoke to a gal named XXXX. She asked a bunch of questions about my finances and we worked to try and get a reasonable payment plan, incuding reduced interest rate, to no avail. She said some forms would be sent and I would get them in two to three weeks. This was a form for my doctor to sign. It was never sent. 
In the meantime, I have been slammed with phone calls from Navient, sometimes up to XXXX and XXXX times a day. Early on, I put a block on all the numbers they call from. XXXX time, I did answer. I had been asleep. My wife had also been asleep. She kept asking where the paperwork was. The guy said, very frankly, it would be a miracle if the loans were forgiven. We explained to him the situation, and that if I could pay, I would. He did mention that if I could pay an ex amount on the phone right then, they would n't send my account to collections. He also said, in a very rude and condescending way, my loans and payments are my responsibility and when I signed for them, I agreed to pay them back. My wife kept asking where the form was. He told us we could find the form online. My wife asked several more questions, but the guy got impatient and hung up on us. Great customer service. 
The form still had n't arrived, so I called again 2 1/2 months later, right after XXXX, just after the first of XXXX. The gal said the previous rep had filed the information wrong or sent it to the wrong department. The form was to take 2-3 weeks. That was the first of XXXX XXXX. Today is XXXX XXXX, XXXX, and still no form in the mail. 
I am tempted to call XXXX more time, to give them the benefit of the doubt, but, after my wife got to reading about all the consumer complaints about Navient and read them to me, I decided to take action. 
Why is it taking so long to get XXXX form out in the mail? Meanwhile, my good credit score is now shot, I am in default, and I have been denied a loan through the USDA to help get my parents house repaired so I can move out of my rented townhouse into their old house 3 hours away. My parents are not well and we can save a bundle on rent to be able to pay off my debts, including these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: FL

Complaint narrative:
I currently have student loans through Navient formerly XXXX. I have received no help from Navient for the past 3 years since having my bankruptcy discharged. Before filing the bankruptcy, I was dealing with XXXX once discharged I had to resume payments to now Navient. I have been threatened continuously, told that I have exhausted any deferments or forbearances ( all done prior to the bankruptcy ) and was just told that my payments were going to go up even with me renewing the 'income driven repayment plan '. They do not currently have my current earned income. Mid-year last year, I changed jobs. I am making less money than I did at the time of the last application. I heard on the news about the Feds coming in and suing Navient for being dishonest in how they apply the payments. I am currently trying to get away from Navient and applying for a loan consolidation and loan forgiveness through the US Dept. of Education. I need help. I have been paying on this loan with no help from Navient, money is tight due to my health and finances and every time I deal with Navient, I start to cry. There is no need to add undue XXXX to what I am currently going through. The school is no longer open that I attended 20 years ago. I really need your help. Are you able to suggest a servicer who can help me? According to the US Dept. of Education, they can not give me much information. I have to wait for confirmation of my social before applying online through studentaid.gov for my loan consolidation. I have to pick a new servicer and would like to make the best decision possible for my situation. My current payment is {$190.00} due on the XX/XX/XXXX of every month and Navient has threatened to increase it to over {$400.00} by XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After changing jobs and getting paid less money, I found that I would have difficulty keeping up my mortgage payments with Bank of America. I owed $XXXX on my mortgage and applied to Bank of America for a mortgage modification last year, for which I was denied. I applied for and received approval for a short sale from Bank of America. I found a buyer who was willing to pay $XXXX. The bank appraised the house for $XXXX but stated that the buyers would need to pay $XXXX. After some negotiating, the buyers accepted the bank's offer of $XXXX. The sale was later denied by Bank of America for yet unexplained reasons. I have been reaching out to them since XX/XX/XXXX with no luck. I have been trying to sell this house for 3 years with many people looking but not wanting to buy. It is very frustrating that I finally found some serious buyers and the bank is making them lose interest by denying this sale and not providing any reason. I am getting to the point where I won't be able to afford the mortgage payments any longer and it is unfortunate that I have made every payment since I bought the house in XX/XX/XXXX, to be treated this way and without cause or reason.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: TX

Complaint narrative:
I took out Private Student Loans to assist with financing my schooling in XXXX XXXX at XXXX. I did not do my due diligence on these loans and research them beyond what I was told by the Customer Service Representatives that " sold '' me the loans. I was warned that I would never be able to include these in a bankruptcy up front because they are student loans, but that I would be able to consolidate them to a 1 % interest rate with all my other ( federal ) student loans, a program that was available at the time I took out the loans. I did attempt consolidation and discovered that I was intentionally misinformed. For years I tried to work with them on repayment and dealing with the exorbitant interest charges. I was told to go to Payday loan lenders and I did, I was told to just defer and eventually I would be able to afford. I believe the debt I owe has more than tripled. My credit is destroyed and ultimately I recognize it was because I did n't pay close attention to the fine print and question the lender thoroughly. I am a victim of predatory lending. I stopped answering their calls and I stopped paying for deferments that rolled the interest into the principal and I did my best to get educated on these types of loans and finances. I have sought out legal counsel but the typical response is a willingness to research, but not to lock horns with XXXX XXXX/ Navient. I have been told that I can be represented by defense attorneys when they file suit and start attempting to garnish my wages. I owe them most certainly, but I am in a situation that if I would make their interest payment for the next thirty years I would still never be able to repay the loans. With my credit the way it has become I can not own a home, cars are financed as " special needs '', and my wife and I receive up to 10 calls a day from Navient 's collections and we have blocked the numbers so they do n't ring through to our phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America returned XXXX electronic payments I had made to pay XXXX bills, even though there were more than sufficient funds in the account to cover the withdrawals. They then charged me {$35.00} each for the XXXX returned items. 

I just received the notice from Bank of America of the supposed overdrafts. XXXX payment was for {$200.00}, and the other for {$150.00}, or a total of {$350.00}. On the notice, it clearly states " Your account balance was {$6000.00} after we processed these transactions ''. Clearly they were aware I had over XXXX XXXX dollars in the account, but yet they returned XXXX items for {$350.00}. 

In addition to the {$70.00} in fees BOA is charging me, XXXX of the payments was to the IRS. Since the {$200.00} IRS payment was returned, the IRS has billed me a {$200.00} fine for the late payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a habbit of setting up online payments to pay off the balance on my Bank of America credit card every month. In XXXX of 2015, I noticed that Bank of America had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a " confirmation '' for the payment that I had previously authorized. Bank of America representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a " computation error '' made by a " new system '' and that it would not happen again. The issue has now repeated itself and Bank of America representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their " automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: NY

Complaint narrative:
My loan was settled in full with a collection agency on behalf of XXXX/Navient in 2015 with a confirmation settlement in full letter received. 

Navient ( a subsidiary of XXXX ) has forwarded the settled balance to outside collection agencies multiple times to which I have responded multiple times that the account is settled/paid in full and to provide verification of the debt from the original creditor. To date, none has been received but in turn I will receive another letter and/or phone call from a new collection agency within a few months time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I am getting daily robo-calls from an organization called XXXX which XXXX tells me is XXXX. Their robot insists that this an urgent business matter and told me to call XXXX. I have also never received any correspondence detailing what they want to speak about. I am on the do-not-call registry and I have never taken out or co-signed a loan of any kind in my life. I am hesitant to call them since this smells like a scam and their website does not allow anyone to contact them via email. I 've been blocking all the numbers they call from and it 's just annoying. I wish they would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I get daily calls from CBE Group trying to collect a XXXX debt. They have a wrong first name for me and the last XXXX digits of my social security number are wrong. I do n't have comcast and never did. When I called them I acted like they had the correct information about me. But when I said I never had comcast, the man said my identity was stolen. I finally told him he had the wrong name and number for me and he hung up. Their phone number for CBE Group is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint is one many bank of America and their fraudulent practices they give me a loan modification based in my income what I can afford they know my income is limited but they said one year after you make the payment I will be able to refinance their loan modification was only one way to make a contract that is in favor of them by law the contract it has to be that both parties agree on by they changed the way it only benefit them the loan modification only last 3 or4 mouths they forced me through the Cort system to sign their loan modification they have try before but this time after I paid them 3 times the amount they asked for they force I signed they said last complaint I made they know my income is limited my XXXX is the only thing on their way to help me I called costumer service but they do n't know why but refinance or hamp or hardest hit or harmp is not for me I called discrimination last person I talked to he said there 's no discrimination if I do n't apply one of his excuses was they do n't give me the form she said he will send them I m still waiting for them other excuse was that I did bankruptcy another of their lies when I signed my original contact she only sign become she was my wife she has responsibility in this loan that was one of the problems why they dropped the first lawsuit against me and my wife then they realize their mistakes and filed the XXXX lawsuit against me only bank fo American discriminate me For mi XXXX the hire lawyer they got in touch with me and warning me about the complaints discrimination about not getting refinance they try get me out of the house by changing the scrow

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 2016-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
For years, I 've been trying to get XXXX/Navient to reduce the interest rate I was paying on my school-related student loans based on my XXXX XXXX military status. For years they refused. Finally, when they were forced to reduce my interest rate they credited my account for several thousand dollars based on the overpayments I made for their usurious interest rates over and above Service members Credit Relief Act limits. They also issued me a tax form, claiming that I had the amount credited toward my student loans by Navient as income. Since that money was overpaid I do not see how that counts as income. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
We have been contacted over and over for the past year by Navient student loans and they say our loan number is XXXX. These are loans we believe we paid under several other companies like XXXX. We have begged over and over for them to PROVE the loans and show us paperwork. They have not provided us that information but harrassed us enough that we are now paying the loan to Navient XXXX XXXX XXXX pa XXXX. We are asking for proof we owe this money as it is XXXX dollars and we just want proof. Can you help us? XXXX XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX XXXX XXXX. If they can not prove, can we get our money back??? The schools that might be involved are XXXX XXXX, XXXX University, XXXX XXXX University, XXXX XXXX University, California. I can not say which school these loans are associated with as they will not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America shared my financial information with Debt Services companies who within a matter of days sent me letters stating : " we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Bank of America seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired.

Company public response: Company 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: GA

Complaint narrative:
I currently have XXXX open student loans with navient. I am not offered a repayment plan based on my income. I have been putting my loans on forbearance and deferment but the interest has added over XXXX dollars to my loans.The company has failed to inform me on deferment period ending numerous times and it resulted in late payment marks on my credit. I have asked numerous time what i can do. I even make payment during deferment periods. I want to pay my loans off not keep adding interest. The repayment amount is more than i can afford a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 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: GA

Complaint narrative:
I was contacted by a company, Navient that indicated i had a loan from XX/XX/XXXX that was not paid. Since it was 8 years old and I had never heard about this before I asked for proof. This was in XX/XX/XXXX. After a dozen phone calls and letters to Navient I finally contacted the XXXX to help me obtain the proof of this loan, I received proof on XX/XX/XXXX with a note that said I was now past due. I do not think this is fair, It took them six months to get me proof that I owed the money and they want to tell me i am past due and report to the credit agencies and charge me interest on the time it took for them to provide the proof of the loan, which is still in question. I had filed bankruptcy in XX/XX/XXXX, and i was a victim of identity theft, so I have to be careful and I need proof of a loan that shows up after 8 years from nowhere. 
I really think that the company should let me verify the loan, and forgive the interest accrued while I was waiting for them to provide the documents. 

XXXX

Company response to consumer: Closed with explanation