vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citibank did not pay an offered {$400.00} Checking Bonus despite the fact that all requirements of the public promotion were satisfied. 
I opened a Citibank Account checking package using a public promotion XXXX on XX/XX/XXXX. The promotion offer states that I should get a bonus {$400.00} after I satisfy the requirements of the promotion. After I opened the Citibank Account package, I received a positive confirmation ( attached XXXX ) from the bank that I am eligible for the promotion. 
According to conditions of the promotion ( attached XXXX ), I should get {$400.00} on XX/XX/XXXX ( " XXXX days from the date of the qualifying transaction '' ). I deposited {$15000.00} on XX/XX/XXXX ( attached statement XXXX ) and kept on the account more than {$15000.00} until XX/XX/XXXX and more than {$10000.00} until XX/XX/XXXX ( attached XXXX ). 
However, as of today, I have not received the bonus offered by Citibank. 
I raised an investigation on XX/XX/XXXX with Citibank and received a response ( attached XXXX ) that " Our records indicate you have qualified for the above offer. Unfortunately, the above account is not XXXX certified. '' and " Once your account is certified, the financial center can submit a follow up investigation. '' I provided the additional documents to the bank and my account was XXXX certified on XX/XX/XXXX. I had an online chat with a bank representative on XX/XX/XXXX ( attached XXXX ). He wrote, " XX/XX/XXXX there was a note placed on your account that XXXX is certified '' and opened an additional investigation case XXXX and he wrote me that I would " receive a response within XXXX business days which is no later than XX/XX/XXXX ''. However, I have not received an expected response from the bank so far.

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 2015-11-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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:
When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. 
When they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans.

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: WI

Complaint narrative:
Due to several financial setbacks I 'm always asking for lower payments however instead they keep putting me in forbearance. Once out of forbearance it seems my payments double or triple which in turn means I still can not make the payments. I have tried income based repayment but they do n't take your other debts into consideration, just your income and feel you can pay only Navient and no one else. I 've been doing the forbearance or deferment for years only to accumulate more interest. I 've tried telling them what I can pay per month versus paying nothing and only meet with the forbearance option. As a single person making a house payment and paying other bills, I feel their way of " helping '' is only making things worse. Since my school location is n't listed, I have these loans from attending XXXX XXXX XXXX - XXXX, IN ( On-line courses )

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: NY

Complaint narrative:
I asked to switch my monthly payments so that the higher amount due would go to the smallest loan so it can be paid off faster and was told no they cant i can do it myself but will be responsible for late fees or the loans paid in full.. I told them I would still be paying the same amount each month and was told theres nothing they can do to override that in their system. Also XXXX switched companies to navient with out my consent when asked if they will still contribute to u promise i was told yes but navient didnt link to upromise i also went from a fixed interest to variable and now my monthly payements keep rising even though ive called multiple times because i cant afford to pay. their suggestion was to extend term of loan, but that will only result in paying more in interest over the course of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Bank of America Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the BOA Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : BOA Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Bank of America Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Bank of America from sending out letters that I am volunteering for services " if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Bank of America Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07 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:
My father submitted a payment on my behalf to Navient in order to pay off XXXX federal student loans which were taken out under my name for college back in the XXXX timeframe. The intent was to pay off these XXXX loans in full, and we made sure that we included the loan numbers and explicit instructions on how the funds should be disbursed. 
Navient applied my payment in error across all my federal student loans, as I have since taken out XXXX additional loans separately. As a result, they did not charge me for the XXXX newer loans last month. Their website showed a XXXX balance due - no other loan details, but I figured everything was okay. However when I went to make my regular payment this month, they still showed XXXX due. At this point it became apparent that they applied the funds in error to all of my loans. This does raise an additional point of contention with their " new website '', which does not really show enough information to make informed decisions about my payments. 
I immediately called Navient customer service and explained the situation, and the service rep told me it would be resolved and there would be no past due amount. Later that week, I received notification that action had been taken. It 's currently Friday night - Navient is closed - and I logged into the website to find that I now have XXXX past due notices on my account. 
Furthermore, even though I am on a fixed monthly payment for my remaining, consolidated federal loans, they charge me an additional {$75.00} every third month for no apparent reason. The customer service representative I spoke to earlier this week explained to me that this had to do with the disposition of the loan, but could n't explain why the amount was different from the agreed upon terms of the consolidation. 
I 'm completely fed up with the servicer Navient at this point. I will continue calling them to straighten out the past due amounts and attempt to resolve the situation but I do n't feel that they are acting in good faith, in competence, and I 'm seriously concerned that they have been overcharging me even though I have never missed or made a late payment. Any help you can provide in dealing with them would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 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: CT

Complaint narrative:
Bank of America can instantly email you, to tell you when you 've made a deposit or withdrawal. But if you sign up for email notifications for a low balance, or insufficient funds/overdraft notices, the emails take up to a day to be sent out. 
By the time I receive the notification, it 's too late to do anything, and I just have to deal with multiple overdraft fees.

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 2016-06-23 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: CA

Complaint narrative:
After years of trying to get ahead with my debt, I contacted a debt relief program. Upon doing so, I stopped making payments to my student loan with Navient. Months before I had called them for help but they told me I was already paying the lowest possible monthly payments. I did n't want to do forebearance for fear of making it look like a bankruptcy on my credit report. So I went with the debt relief program, stopped paying on the student loan and they have not given me a break since. Navient started calling me approximately 6 mos ago on a daily basis. Often they would call about 5x a day. Sometimes it would be an automated message other times a rep would leave a message for a call back. I told the debt relief customer support that the calls were never ending. They told me I would need to call them and specifically state that I would like them to stop or I will contact the FTC and send a Cease and Desist letter. Navient 's calls got worse. They began calling my family and a prior manager asking them via voicemail if they could contact me on a very important matter. They were calling after XXXX regularly. Most of the calls were made from numbers from various states. It seemed to be a ploy to get me to answer as each call seemed to be from a different state each time. To this day the calls have lessened, but they are still harassing me. They are still calling family and friends and I do n't know HOW they are getting the phone numbers. I get emails as well. I only have the emails that I could attach but I do n't believe it would help in proving harassment. I can provide a list of my call records including times if I need supporting evidence of the number, times and locations the calls were made but I am unable to attach to this complaint. Navient has been sent 2 Cease and Desist letters from XXXX XXXX XXXX on my behalf to stop the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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:
I recently came across an article on the XXXX regarding Bank Of America being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by BOA since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call BOA directly which surprised me because all along I thought I was talking to BOA. So I did that I called the customer service for BOA and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello CFPB- I have a new single point of contact at BofA who I spoke by phone yesterday XXXX/XXXX/17. She gave me a deadline to submit my change of circumstance info by XXXX/XXXX/17 in search of a modification. During the discussion I shared with her that I am able to resume paying the amount on my monthly statement, but the BofA will not accept it. This is due to the sale date they posted on XXXX XXXX, 2017. I have recently doubled my income and when I was told it is still not sufficient I asked how much more money do I need to earn. And here is the standard answer from everyone I have spoke or emailed with at BofA. To paraphrase, The BofA does not make that decision, that decision comes from the guidelines set down by the investor. She suggested I contact them. What follows is close to the language and describes what seems to be an intentional effort to not disclose. BofA names XXXX as investor, and the BofA as servicer is required to reveal the investor. In contacting XXXX by email and phone via a recorded message, XXXX states they are not the investor, but a Trustee for certificateholders of XXXX, XXXX My research revealed that XXXX is Countrywide , and BofA owns Countrywide . 
The result is that I and other homeowners are kept from accessing vital information. I told my BofA rep that I am in the running for XXXX full time jobs in which I am asked to state what salary I want. I need vital info from BoA what amount they demand so I can key it to these XXXX jobs. I shared this information with my BofA rep and told her that XXXX refers all decisions like income level are generated by BofA. My BofA contact became defensive and reaffirmed XXXX is the investor and makes the decisions, not BofA. 
I saw no reason to pursue this conversation in that she was getting agitated, and told her I would have the necessary docs ready when she will call, XXXX Fri XXXX. Shortly after this call I received a email stating that my file was declined though my docs had not been submitted. A later email stated that no further sale dates will be considered, thus my home will be sold Thurs 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 2015-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had to unfortunately file for Chapter XXXX bankruptcy in XXXX, XXXX. I took pains to make sure that my home mortgage with Bank of America was not included in the bankruptcy because I did not want to lose my house to foreclosure and I wanted to protect my credit for future home mortgage loans. I had to list all of my debts for the Court, so the loan was listed. One of the credit card accounts that I did include was with Bank of America. I kept making my mortgage payments in full as usual. I then listed and sold my home and paid off the mortgage through escrow in XXXX, XXXX. I kept receiving monthly statements from BofA all the time leading up to the close of escrow showing that I made my previous payments as usual and my balance right up until I paid it off. I received a XXXX form for my IRS taxes in XXXX of XXXX for the year XXXX and in XXXX of XXXX for the year XXXX showing that I paid interest that was included in my monthly payments for the year. However, when I applied later for credit I was turned down and I requested a copy of the credit report through XXXX I saw that the BofA reported that my home loan was included in my bankruptcy and that I stopped making payments as of the date of the bankruptcy in XXXX, XXXX. I requested an investigation to resolve this error through XXXX. XXXX simply sent my letter to BofA, who simply did nothing to change the status. I contacted my attorney who did the bankruptcy for me and she said it was the BofA that had to confirm with the Court that they were not included in the Bankruptcy ... which they did not do. Perhaps they got it mixed up with my credit card account or they are punishing me for the credit card account dismissal. Later, I requested another credit report through XXXX with the same results, including a request to resolve this issue to no avail with BofA. I am now appealing to the Consumer Financial Protection Bureau and will attach all my documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: CA

Complaint narrative:
Navient has made it impossible for me to lower my monthly payment. It 's XXXX dollars a month and when I have called them, almost 10 times about some kind of plan I can get into, they say with the type of loan I have, income-based repayment is not an option. They informed me if I was struggling financially, I should take a forbearance period until I can make more money to afford the monthly payment. Also while collectimg interest on the loan. I have looked into what my payments are going to, and all of it has went into interest, almost XXXX dollars worth every month just for interest!!! SCHOOL : The XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation