vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America took over 1 year to deny a loan. They assigned yet another representative on same level as other to assist me. I left a message for his Email to send him further documentation. He has yet to respond. This is why it takes Bank of America over 1 year to make the first level decision. My current representative is XXXX XXXX. Further, Bank of America refuses to allow customers emails for higher level officers.

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 2016-12-09 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: OR

Complaint narrative:
I received a letter dated XXXX/XXXX/2016 from XXXX XXXX in the XXXX inviting me to call him with any questions. The number Navient provided was XXXX. This number is not a good number. I was re-directed to call XXXX. This is also a non-working number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.

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 2016-11-16 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I received an insurance claim check drawn on Bank of America ( BoA ), and took it to Bank of America to cash it. I am not a customer at BoA. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.

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 2017-01-21 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: MA

Complaint narrative:
A I have a daughter who just graduated college she has yet to find a job I contacted navient to see what my options would be instead of advising me that I may be able to pay the loan on her behalf they kept placing her in the forbearance mode now she has more than {$2000.00} and additional interest on her loan I would like to know why if it was possible for me to put pay the loan on her behalf it was never advised this is not fair I would have been glad to do so until she is on her feet now the amount of alone has gone from XXXX to XXXX I understand that there was a federal lawsuit navient and it would like to know if a parent of a student can refinance a loan for them company takes advantage of our future generation and because of there an ethical practices the future generation of this country is in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: NY

Complaint narrative:
Navient has hidden that the private loan it is trying to collect can be discharged via a private student loan discharge application. Background : Around 2012, the Borrower, ( XXXX XXXX ) was XXXX or XXXX with a XXXX. She wanted to attend a for-profit culinary school. The tuition was so high that her federal loans and grants did not cover it. The school said XXXX XXXX should take out a private loan. But neither she nor her mother had good credit. Subsequently, XXXX XXXX, a friend of the mother of XXXX XXXX, co-signed the private loan. 
Fast forward a few years. XXXX XXXX was unemployed for many months but eventually found employment driving a truck at the airport for which she earns {$11.00} an hour or about $ XXXX a year. XXXX XXXX has been having trouble paying her private student loan. Now that she is employed, she is willing to pay {$100.00} a month towards the loan. That is over 25 % of her discretionary income, as defined by the federal government in its income driven repayment plans. 
Navient is the servicer/collector calling the borrower on the her defaulted private loan ( which now amounts to {$19000.00}. ) Navient will not accept the {$100.00}. This is why. Navient has been calling both XXXX XXXX and the co-signer. But XXXX XXXX has XXXX and gets XXXX by the calls. XXXX XXXX is not in any position to pay the debt of XXXX XXXX as she is XXXX and unemployed. The husband of XXXX XXXX has informed Navient 's caller, a XXXX XXXX, that XXXX XXXX is very ill due to XXXX and that the calls are upsetting her. Rather than advise XXXX XXXX and her husband that the co-signer 's obligation can be forgiven due to her XXXX ( if she applies and qualifies ), the Navient caller has continued calling the co-signer, thereby increasing her distress. In turn, the husband and the Navient caller have been pressuring XXXX XXXX and her mother to make a lump sum payment of {$4000.00} to get XXXX XXXX off the loan. So XXXX are XXXX XXXX and her mother about the predicament and distress the loan has inflicted upon XXXX XXXX that they have asked a family friend to take an early withdrawal from her retirement account ( and incur a stiff penalty for doing so. ) However, the family friend can not do so due to earlier withdrawals already. Navient 's caller has been told this and still is using the distress of the co-signer as leverage to get the {$4000.00} lump sum payment. 
Several months into this ordeal, the borrower and her mother went to an elected official who in turn contacted a free lawyer. With the lawyer 's advice, the husband of XXXX XXXX asked Navient if she could file a XXXX application to get off the loan. The Navient representative, who knew all about the co-signer 's XXXX, said yes. When asked why the Navient representative had not told him earlier, no answer was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
They have already called 5 times today and once at XXXX ( which is out of the time limit warranted ). It becomes very frustrating and I 'm not able to answer when I 'm at work, yet they continue to call during those hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was not notified by the lender of the intent to foreclosure. I was not notified that there was a scheduled sale date. I was not notified of any alternatives to avoid foreclosure. I am currently in review for a loan modification as well as review through XXXX Georgia. My case manager assigned to my case did not inform me of the sale date. I learned of the sale date by being flooded with advertisements which indicated the sale date. I contacted the lender and the representative confirmed that there was a sale date and when I asked why I was not notified the representative stated that I was sent a notice back XX/XX/XXXX. However my loan was modified and bought current XX/XX/XXXX.Should n't I have received a new notification as well as other options available? Now they are refusing to postpone the sale date.

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 2017-03-28 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: CT

Complaint narrative:
I was instructed many times to put my student loans in forebearance when I was unable to pay the total amount due. I 've defaulted many times on my loans because the monthly payment expectation is not feasible and the interest rates, including those accumulated while the loans were in forebearance, or in default, is ridiculous. My loans are currently in forebearance now actually because I called to ask for help in lowering my payments and that was their solution.

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

Complaint narrative:
The following statement cites and corresponds with a previous report filed against Navient Solutions , Inc. as of XXXX XXXX, 2016. The issues that will be addressed are in regards to the inaccuracies of Navient 's online account information, and the conflict of information and instruction to clientele between company representatives and paper documentation. 

Navient Solutions , Inc. is requiring three qualifying payments to be made in order to qualify for the Rate Reduction Program. " The Rate Reduction Program you were approved for requires three qualifying payments to be made before you are officially enrolled into the program. Your third qualifying payment is scheduled to post on XXXX XXXX, 2016. '' Recent phone calls from representative XXXX XXXX of the Collections Department of Navient Solutions , Inc. have instructed that these three qualifying payments are set to the amount of {$350.00}, with the program to be successfully initiated after the third qualifying payment, which was recently posted on XXXX XXXX, 2016. A phone call with XXXX XXXX at XXXX has confirmed that the third qualifying payment, as before, is the amount reflected in the Rate Reduction Program. Documentation also states that three qualifying payments are required before the Rate Reducton Program is scheduled to process, though no further information is stated to constitute or define the exact specifications qualifying payment. 

Conflict of interest is also revealed in the recent response made by Navient Solutions , Inc., in reference to to previous Case Number XXXX : " It is important to note that your enrollment into the Auto Pay Program is not set to begin until XXXX XXXX, 2016 when you have successfully completed enrollment into the Rate Reduction Program. The three qualifying payments you had set up over the phone on XXXX XXXX, 2016 for enrollment into the Rate Reduction Program are recurring payments and not payments initiated under the Auto Pay Program. '' This information does not provide clarification for the current conflict of the correct payment amount, which has been previously agreed by both parties to be set to {$350.00} for three qualifying payments. " You qualified for a reduced interest rate of 7.00 percent under the program, which would reduce your monthly payment from {$430.00} to {$350.00} under the program. The Rate Reduction Program requires three qualifying payments to be made for the modified payment amount before your loan is officially enrolled into the program. Your third qualifying payment is scheduled for XXXX XXXX, 2016. Assuming the payment clears, you will then officially be enrolled into the program retroactively, effective from the date you were initially approved for the program. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX of 2012 we opened up a Bank of America XXXX XXXX Credit Card. BOA charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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:
In XX/XX/2008 I attended a trade school at the XXXX The original tuition to attend school there was around {$20000.00}. I took out the cost of the tuition from XXXX now known as Navient. After I had graduated I had difficulty earning money due to harsh economic times and a difficult job market. After speaking with XXXX they gave me the option for forbearance. After more years of struggling the interest on this loan has gone far beyond the principle balance to more than double at around {$54000.00}. I have spent the last XXXX years going back to school to earn a XXXX at XXXX solely so that I might be able to pay back this loan. From reports that I have heard about on the news, It has come to my attention that given my circumstances, this accruing this much interest could have been avoided but due to XXXX/Navient 's deceptive practices I am currently in the situation that I am now. I am filing this complaint in hopes that some sort of resolution can be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: CA

Complaint narrative:
I have alerts set up on my Bank of America checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Bank of America applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
there was no reasoning with sallie mae they were ruthless threatened us would not take any partial payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a payment to a company but it was never received and bank of America refuses to give me my statement from that month to show the company I did payq

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 2015-07-06 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: MI

Complaint narrative:
I have a private student loan through Navient formerly known as XXXX XXXX. The problem I am having is that they offer no real assistance when a borrower is under economic hardship. The only type of a assistance you maybe be able to receive is interest only payments. Needless to say, in the long run you are still getting the short end of the stick because nothing is being applied to your principle. 
Another thing I find unreasonable about Navient is how they apply payments. After noticing that the money above the minimum payment due I had been sending in was not being applied to my principle, but to the interest, I was informed I could only do this if I was enrolled in their monthly automatic deduction plan. 
Another concern of mine. I work in a high needs/critical shortage area XXXX. I due not qualify for loan forgiveness because my loans are private loans ; unlike Federal student loans which allow loan forgiveness up to XXXX for qualified borrowers after working a number of years in the critical shortage areas.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26 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: CO

Complaint narrative:
I have always had big issues with XXXX XXXX and Navient offering XXXX '' at the rates that they do. I was sent offers and decided it was a good option at a time I did n't have funds to move, thinking that I could pay it off relatively quickly. I ended up taking out a {$13000.00} loan at 14 %! The bigger trick to it all is that it is a loan you ca n't refinance. I spent 3 years of XXXX struggling to keep up and having to do forbearance on other loans. I tried to refinance and it was n't an option. I ended up getting a lump sum loan from my wife after we married to pay this off. 

My biggest issues are that these are predatory practices .... aimed at targeting a population that they know is a safe loan ( meaning it should be a low interest rate ) but also know the burrowers ca n't pay off until 3-6 years have passed. Hiding in the inability to refinance these loans is a good business move for them but a shot against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
I have paid the debt and ca n't get them to send me a receipt. I have called almost everyday since XXXX/XXXX/16.

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 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 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: NJ

Complaint narrative:
I XXXX XXXX IS VERY, VERY DISPLEASE WITH BANK OF AMERICA WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, BANK OF AMERICA WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, BANK OF AMERICA XXXX XXXX XXXX, NJ 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 explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I live in New York XXXX and I have a Bank of America credit card which I used to book my travel XXXX, through XXXX Airways, online. 
To my surprise, I saw in my CC statement, that BoA has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. 
XXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. 
A XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here.

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