vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had an account with Bank of America for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that BOA charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions.

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 2016-02-25 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: TX

Complaint narrative:
I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My wife used her Bank of America ( BOA ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with BOA and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. BOA said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from BOA saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our BOA credit card ( after having it for about 16 years ) and will certainly never use XXXX again.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I had a loan with XXXX XXXX, that was paid off by XXXX -- a Company that helps with student loan debt. Persels closed their operation. A year later, I received a letter from Navient Credit Solutions stating that I owed a balance and interest had accrued for the past 18 months. 

I attempted weekly to obtain verification of the debt and have never received it. I even offered to pay the minimum balance to bring the account out of default while I disputed the debt. 

My Credit Report is clean, yet they still maintain I have and owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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: HI

Complaint narrative:
I had a private navient loan in default which I settled in full last month ; however, this is not updated on the navient web portal, and it is not updated on my credit report either. Upon calling Navient multiple times, the reps always say its the wrong department before finally transferring me to a number that I get hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has been in direct violation of the Credit Card Accountability Act of 2009 by constantly applying payments in excess of the minimum required payment to balances with lower APR. 
After multiple calls, BOA associates have acknowledged the issue and promised to fix it, but nothing was ever done. Furthermore, I 'm fairly certain that the same incorrect interest charges are applied to XXXX other customers. 
This issue has been going on for more than a year with my account specifically, and I simply have no choice but to file this complaint.

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 2017-01-22 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: MD

Complaint narrative:
I have been going on with this cycle with Navient/XXXX since I graduated back in 2008. I was unable to get a job in my field, and the XXXX XXXX XXXX I went to cut my program short ( due to lack of returning students ) so I was unable to obtain a XXXX XXXX to get the job I was studying for. Had to work minimum wage, and temp staffing. Was never able to make my full payments. I 've resorted to Sending what i could afford, only to get hit with XXXX in late fees each month each time my payment was n't enough. I tried forbearance/deferments which only ballooned my payments to about XXXX per month for both my private and my federal ( now consolidated ) loans. I am harassed daily and am about to be in default, despite me still sending them all I can afford. They said they were trying to reduce my payment but it was still about XXXX of my net pay for the month. Once I got hit with paying my own medical expenses, it only got worse. The daily harassment is an ongoing focus on my XXXX as I have often considered XXXX to escape this debt sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Bank of America credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX " reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I purchased a home in XXXX where my mortage loan was under 2 lenders. When the housing market crashed and the economy tanked my house depreciated in value significantly. I wrote to and spoke to both lenders at the time, XXXX ( the larger of the 2 loans ) and Countrywide. I hired a local realestate agent who explained the option of a Short Sale and informed me I needed to talk to my lenders. XXXX would allow me to move forward with a Short Sale on the house. Countrywide would not agree and said in order to do such a thing I would have to pay them for insurnce they bought for me for the house at {$30000.00}. I did n't have that kind of money and was expecting to be laid off as the compnay I was currently working for XXXX was financially failing. My assumption was correct and I was laid off. I did receive several Short Sale offers on the sale of my house that were even signifcantly high considering the market but every offer was turned down by the smaller lender, Countrywide. After being laid off I could no longer pay my mortgage and even vacated the house and left it clean and ready for sale hoping the banks would change their mind. XXXX did decide to forclose on me but Countrywide to this day wo n't foreclose on the loan and still shows on my credit report that I am missing a payment everymonth. This house sold in foreclosure for {$69000.00} in XXXX. My short sale offers were for more than double that amount of money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: DC

Complaint narrative:
I have a XXXX XXXX XXXX at Navient that used to be at XXXX XXXX. My bank sent a check for {$7600.00} to Navient. When I told my bank to send the check, I gave them the XXXX XXXX XXXX payment address listed at http : //www.navient.com/about/contact-us/ because that address is listed under the section that reads " Loans Through the U.S. Department of Education . If you have loans through the XXXX ( XXXX Subsidized, XXXX Unsubsidized, XXXX PLUS, or XXXX Consolidation ) or loans owned by the U.S. Department of Education through the Federal Family Education Loan Program ( FFELP ) ''. I did this because my loan was a Consolidation Loan issued by XXXX XXXX ( not a private bank ) and this is the only section that says " Consolidation '' at all. 

However, my Navient account has not been credited with the payment. So I called today to ask why and the Navient representative said that my bank should have sent the check to the XXXX XXXX XXXX XXXX payment address listed under " FFELP and HEAL Loans. If you have Federal Family Education Loan Program ( FFELP ) or Health Education Assistance Loans ( HEAL ) owned by a third-party lender ( usually a bank or credit union ), or a private loan with this type of statement ( view image ). '' Apparently, Navient considers XXXX XXXX to be a " third-party lender ( usually a bank or credit union ) ''. 

Now I have no idea where the check is. Navient refuses to tell me if they will return the check to the bank because it was sent to the wrong address, or if they will transfer it to the correct address so it can be credited to my account. At one point, the Navient representative told me " There is a possibility that the US Department of Education may have already cashed it in which case the money is gone, '' which is horrifying if true. 

Can Navient simply keep my money and not credit it to my student loan? Or must they return it to my bank, or forward it to the correct address for processing? And why is their Contact Us payment page so confusing, listing 3 different groups of loans and payment addresses, none of which seem to apply to former XXXX XXXX customers with Consolidation Loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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: MD

Complaint narrative:
Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to 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 non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
After graduating from my for-profit school XXXX I found it hard to find a job. I called my loan provider XXXX now Navient, and they told me to get a forbearance. I ask them if there was any other ways to help with my loan and I was told no. They told me that I would not have to pay on my loan but interest would still grow. This went on until XXXX and I found out about income base repayment plans. I have been enrolled in that since XXXX. In XXXX I ask about low forgiveness since I work for the XXXX. They told me my loans did not qualify and I would need to re-conciliate my loans and that my prior year payments did not count towards the 10 year forgiveness. I wish they would of let me about income base repayment plan in XXXX and less interest would have grown.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been a bank of America ( BOA ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called BOA explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at BOA because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a " Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.

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: FL

Complaint narrative:
Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable customer service providing lack of information. Asked for verification to validate my loans to make certain everything being shown is account. Have n't received any documentation. Attended XXXX University in XXXX which is now closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: AL

Complaint narrative:
I tried to pay and Was told if I did n't make the $ XXXX payment that they did n't want my money at all. That they would take everything I had plus my co signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 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: OH

Complaint narrative:
I had multiple conversations with navient XXXX where I was told my consolidation would remove the past due snd negative history of my credit bureaus. This did not it help XXXX. NOT only did this not happen but it too they sold or had a 3rd party collection agency calling me telling me I was n't eligible for consolidation. this was very very confusing to to get conflicting stories from XXXX different agencies. When 's i findlky got my consolidation done the monthly payment was {$200.00} more than what I agreed earlier to. I am requesting that my credit bureau be corrected. Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
XXXX of Pioneer Credit Recovery is totally unprofessional and abusive. Calling me a liar, saying I did not send my financial verification records, i.e. XX/XX/XXXX tax return and XXXX, when requested 2 yrs. ago. Searching my computer, I found, scan and send communications, with Pioneer on BOTH XX/XX/XXXX and XX/XX/XXXX. Had to send twice because Pioneer could not open a word document. I made monthly arrangements and did not miss a payment, for the 9 or 10 months agreed upon. Pioneer cancelled my payments and then put wage garnishments on me. Without notification! I have no problem repaying my student loans, but to be belittled by XXXX and called a liar are beyond me. I reached out to Pioneer to resolve the wage garnishments and was told the only way to cease garnishment was to make payments on top of monthly wage garnishments. Well, if that is the case, I 'll just allow the garnishments to continue until the debt is paid. But I will not tolerate abusive communication from XXXX. Thank you, and Happy St. Patrick 's Day!

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 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My Mortgage company affected my credit negatively. I applied for a loan modification because times got tough for me. I went around and around with BOA and many lies and many diseptive methods used to avoid modifing my loan. They refused my payments until I was placed into a position over the three month of non payment. I sent them a letter that I sent to the governor of Florida once they did this and immediately they decided they they approved my loan modification. After 4 years of XXXX, lies and absolute despection I do have my home and yes they modified it to a lower monthly payment but it 's not without a bittersweet note. They changed the terms to 40 years and now my credit has been compromised. I need help and would like to know what can and could be done. Please help.

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 2017-03-01 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and have had a student loan on my son for about 16 years now and I pay back on it regularly. I now owe 'more ' on the loan than the original amount borrowed. The way interest is applied to the principle makes it go down very-very little. I have tried numerous times to work something out, but to no avail. At this rate I would die before the loan is paid off. What good would this be for anyone. Would n't it be more beneficial to have payments doable for the borrowers and have the loan totally paid off??? Also, the monthly payments are not doable for me as I am now fully XXXX and managing on a fixed income. I have served my Country in the XXXX XXXX for over 10 years and have been a XXXX for over 15 years. All this is to no avail on my behalf from any of the repayment plans on this Student Loan Program I request the loan be more doable to me to repay. The College Loan programs need to take a serious look to reduce debt in a more doable way as currently it is not doable for most Americans. There has to be light at the end of the tunnel on student debt. I do not see how the current college students will ever be out of debt at the current rate of interest being charged and the way it is applied to the principal. 
If we want the youth of America to receive College Degrees XXXX in order to be able to compete in the world employment markets something needs to be done now! 
But again as for 'me ', I would like to get my loan payments reduced, interest rates reduced and ( so to speak ) light at the end of the tunnel.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I do n't that my loan amount and interest being made to pay is correct, I feel as though I 'm being over charged a substantial amount of money.

Company response to consumer: Closed with explanation