vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: NY

Complaint narrative:
I am filing a complaint against Navient, because I have a private loan with them, and my aunt is the cosignor. I was advised by Navient that as long as I have 6 months of perfect payments, they will remove my aunt from my loan. However, once I reached that 6 months of perfect payments, they advised that I actually have to have 12 months of perfect payments before they would consider removing my aunt from the loan. My aunt 's credit has been negatively impacted by this, and she is struggling to cosign for her own daughter who is going to be attending college next year. 
Aside from that issue, the interest rate attached to this private loan is very high, 13.5 % -15 %, and I have struggled to afford the monthly payments, going as far as paying late on other bills, and my debt to income ratio has had a drastic impact on my credit score. 
I work full-time for a social security law-firm, and am XXXX a single mother XX/XX/XXXX. When I reported my XXXX to Navient, in hopes that this would offer some sort of relief for me, they advised that it would not. Their customer services is horrendous, I get told different things about my loan every time I call in, and it has been an extremely emotionally and financially draining mess of a situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: AZ

Complaint narrative:
When I applied for loan through my college in XX/XX/2003, I was told by my loan company being XXXX that I would have XXXX loan for the full amount. They blatantly lied to me and actually issued me XXXX loans for the total amount. As I was making payments on XXXX loan the other XXXX were going delinquent and therefore affecting my credit rating very heavily and even caused the other XXXX to go into collections without my knowledge until it was far too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
My personal information was leaked or stolen XX/XX/2010 and has been used to obtain medical accounts, loans, and education in my name. I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't till last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this and when we spoke to the police department they did n't have much answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think i 'm lying. Figured this was my last stop or just wait 7 years i guess for this to fall off my credit. 

MY OFFICIAL COMPLAINT IS AGIANST SYNDICATED OFFICE SYSTEMS DBA CENTRAL FINANCIAL CONTROL

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear Sir or Madam : Bank of America continues to erroneously assess late payments and interest charges to may account. As supported by all of the evidence, I paid my balance in full on time ; however, BoA, for unknown reasons, returned at least two payments made by ACH deposit. Finally, weeks later, BoA actually processed an online payment. Despite its numerous mistakes, BoA continues to send threatening letters to me and harass me by telephone and SMS. Please intervene.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi administrators, I addressed the financial institutions of Bank of America. Regards were making an attempt to establish credit. I applied for a XXXX Credit Card. Furthermore, now several attempts have been initiated. Please would you be given the time to investigate one more final time. I surely appreciate it. 
Thanks, 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 2015-09-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
XXXX/XXXX/2015 Payment XXXXBank of America, N.A. XXXX TX XXXX $ XXXX is a copy of the transaction, I paid {$280.00} to bank of America on XXXX XXXX, 2015 after they billed me XXXX, XXXX, XXXX, XXXX for total {$280.00} which, I tried to explain each time that I called to let them know, this account had been settled in XXXX br discharged XXXX 2015. They reported each of these months on my credit report stating that I was not paying. I only paid out of XXXX from harrassement. 
I called bank of am and spoke to several reps who did not try to understand the XXXX heloc was included in the bank ruptcy. They began billing like this was a new account. 
Please refund {$280.00}. 
hic

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Applied with Bank of America for the reduced loan rate. Application was denied as paying on time. House or property is in Florida and mortgage owed on it is more than it is worth ( low loan to value ratio ). XXXX XXXX XXXX XXXX and house valued is in low XXXX. What are my options? Is the bank allowed to deny my request for a lower interest rate? Currently have a 6.75 % rate. Would like a lower rate from the bank. Is that possible?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 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: GA

Complaint narrative:
Individuals with private student loans serviced by XXXX XXXX ( which has changed its name to Navient ) who were charged late fees for missing payments. This alert specifically affects borrowers who took out loans before 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 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: NC

Complaint narrative:
I went to XXXX XXXX University in XXXX, GA from XXXX, I took out private loans to cover the additional cost of school not knowing the difference between federal and private loans at the time because my financial advisor did not do a good job at educating me, or answering questions. There were times that this private loan would say that I owed them money but I started going to another school so it should have been deferred. In recent years, they started back calling and I would give them {$150.00} for a forbearance because they state that I only had a certain amount of years for this loan to stay deferred. Not something I was aware of but I paid the forbearance not knowing that eventually that would run out too. Now I 'm up to over $ 100K in debt with this loan and they are telling me that my forbearance time has run out and I need to pay them. When they go over my finances they see money that I do n't see so what I 'm telling them I can pay they are not accepting to it and telling me what they want me to pay. I have talk to supervisors several times who are n't willing to budge and override so that I can give them what I have. One person told me that it would be okay to give them all my money that I have and they do n't care what happens in the event of an emergency. At this point I 'm just broken because I 'm actually trying to pay on my debt and they are making it extremely difficult. Not to mention that they are so rude as if I owe them money personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had to parcel 's that set side by side. XXXX XXXX XXXX XXXX, XXXX Co owner of XXXX XXXX, now XXXX, stole my identity, XXXX parcel homestead ( located XXXX. ) ( XXXX ) and submitted a 1st mortgage into XXXX XXXX. Then refinanced that mortgage changing the parcel to my XXXX XXXX parcel and falsifying the address to " XXXX '' XXXX XXXX XXXX XXXX. to hide the " XXXX '' XXXX XXXX 1st mortgage.

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 2016-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
I received multiple daily calls from navient beginning in XXXX. Navient continued to email my work email after I submitted XXXX response emails requesting not contact my work email address although they continued to contact my work email address soliciting payments. I have submitted XXXX complaints to the states XXXX regarding the total disregard of my written request for navient to stop contacting my work email address. The last straw was when I received a email request to postpone my student loan payments on XXXX XXXX, 2016, in which I replied yes, then reiterated for the third time not to contact my work email address. On XXXX XXXX, 2016, I received a email stating that my forbearance was approved. On XXXX XXXX, 2016, I received a email stating that my forbearance is ending. I my response is literally " unbelievable. '' Never once was it discussed regarding the student loan forgiveness program. I worked in a civil service capacity for over 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been fraudulently charging us for a late payments on our HELOC In XXXX XXXX (? not sure of date ) our HELOC converted to a fixed payment amount to pay the principal & interest from an interest only loan - XXXX never listed that we had " missed a Payment until XX/XX/XXXX '' When they listed this late payment that dated back to the original conversion date, they began charging us a late fee with no notification to us that the payment had ever been missed or that we would now have to pay a late fee. I wrote to your department to complain about this. I was working with a woman named XXXX - XXXX never returns phone calls or follows through - She never leaves clear messages so it 's VERY DIFFICULT to hear what number to call her back on when she does call ( after I make 20 calls in a single day trying to get her to call me back ). 

I offered on 4 different times on back & forth phone calls to make the missing payment & have the bank backdate the payment to the original date when we supposedly " missed '' a payment - but XXXX would say she 'd ask and get back to me and then disappeared and never called me back after multiple calls to her office. ( BofA never sent a single notice showing this " missing payment '' until XX/XX/XXXX when it mysteriously showed up on a random bill one day. ) BofA is charging us monthly late fees. I have offered to make the payment & have them backdate it but because they had already sent out XXXX interest statements for XX/XX/XXXX no-one at Bank of America wanted to bother to help us. They keep charging fraudulent fees. because they say that we are paying 1 mo. behind even though we pay our HELOC early each month & make additional principal payments - apparently they 've been using these funds to cover hidden fess and not notifying us this entire time??!! - We have an account manager and this issue was : 1 ) not stated or shown on our monthly statements 2 ) never mentioned by our account manager This is absolutely unacceptable. We want to make an additional payment for this mysterious " past due '' amount and have it backdated to XXXX XXXX when it originally due & have all associated fees & interest reversed. 

This is the second time I 'm writing about this issue because BofA simply will not respond to our request & XXXX wo n't call me back.

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 2015-11-20 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: NY

Complaint narrative:
Making minumum payments of {$25.00} dollars which is what I can afford right now and still receiving threatining letters from navinet through the mail. Constant phone calls and rude representatives are calling all day. 
loan acct # XXXXprevious request webidXXXX- web

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: IL

Complaint narrative:
I have my loans with Navient, I filled out the information for them to lower my payments based on low income. One was lower but then my over all payment is now higher! They are horrible to work with they will nowt work with me at all. My Payment was {$180.00} now it is {$190.00} after one of my loan was approved to be lower. It make no sense. I was one who was with XXXX but then was switch to these XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please reference last complaint from Capital One Subject : Your submission, [ Case number : XXXX ] XXXX XXXX from Capital advised she would listen to calls and would get back to me with an answer but never returned my calls. I tired teaching XXXX XXXX from Capital One but was unable to reach her at the number she provided, every time I would call the line would be busy and so I would reach out to someone else at Capital One only to be advised that they tired and the line was busy. Capital One has left me in a financial mess with my other creditors, they refuse to reissue the Access checks/ reissues the checks they returned due to fraud on my account. Capital One also has false advertisement about the Access checks I was told I could use the checks for balance transfers, but the limit was never disclosed on the letter as to how much only the interest rates/ special offer to get 12 months of 0 percent interests rates.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08 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: HI

Complaint narrative:
Dear Sir or Madam, I had Federal student loans with XXXX XXXX that were transferred to Navient in XXXX. I attended XXXX and XXXX school, completing my education in XXXX XXXX. Upon graduation, I consolidated my loans with XXXX XXXX. I recall having an APR of 1.9 percent upon my consolidation. I noticed that a XXXX statement from XXXX XXXX has 2.6 percent. 

Recently, in just the past month or so, I have received an email from Navient stating they have accepted my deferment request. I emailed their help center and told them this is an error, or someone trying to hack into my account, since I DID NOT request a deferment. They sent an automated email back saying they are sorry I am having financial difficulty and options under such circumstances. They could n't even bother to have a human read my complaint/error report. Additionally, my APR is now 2.85 percent. I consolidated my loans at a fixed APR for the life of the loans. 

Navient has no after hours helpline, and since I am in Hawaii and they are on the east coast it is very difficult to find time to call them during the work day. I will obviously make effort to call this coming Tuesday morning first thing since I am extremely frustrated and feel cheated. 

I feel something criminal is happening and all Navient can do is send automated replies after 8 days of my written error report. I have had much better luck with email inquiries with companies such as XXXX, XXXX, and others. Naivent seems very shady and I am going to look into an alternative company to house my student loans. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My wife and travel frequently for business. We have banked with Bank of America for years. 
We typically use our main account debit card to get cash in local currency at an airport ATM when travelling internationally. This worked for my wife on XXXX/XXXX/2016, for instance, in XXXX. At the XXXX my wife was unable to get cash using her card through an ATM in XXXX. When I went to our local bank branch and spoke with the manager, I was told that BoA now requires posting a prior travel notice online in order for international ATM transactions not to lock a debit card. She said that if such a notice was posted, the card would work unless there were other " suspicious security factors. '' On XXXX/XXXX/2016 I posted such a travel notice on the online banking BoA site for my debit card and received an email receipt. On the morning of XXXX when I tried to use my card to get XXXX from an ATM in XXXX airport as per my travel advisory, my card was locked. I spent over 40 minutes in the airport trying to get through and finally was told by an automated system that the office would not open until Monday. I was finally able to get XXXX on XXXX. 
When I returned to XXXX, I went to my local BoA branch and made an appointment to speak with the same manager that I had spoken with before. Her assistant confirmed that the card had been blocked, that there was a valid travel notice, and could not cite any other security issues. When I returned, the manager was unavailable and did not call me back. Her assistant promised that I would receive an explanation of my card blockage by Monday, XXXX, but I have not been contacted. 
I find this both extremely frustrating and dangerous. My BoA branch can not explain why the card was locked. My online alerts document that I posted a travel notice but mention no security issues. The process of trying to get a card reactivated involves yelling personal financial information into a cell phone in a crowded and noisy airport. And since work has required my wife and I to travel over the past few years to XXXX, XXXX, XXXX, XXXX, and XXXX, I do not approve of any " security '' scheme that prolongs a traveler 's time in an airport or other public transport hub.

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 2016-05-09 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Bank of America card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Bank of America or any statement or account information of any kind. My credit rating has always been " outstanding '' or " excellent '' and to date I have not received any satisfactory explanation from Bank of America after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years.

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 2017-01-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX 2016 I visited a restaurant where l signed a receipt for {$820.00}. A few days later I was charged {$1600.00}. I immediately contacted BOA and filled a dispute. on XXXX XXXX, 2016 I received a letter from Bank of America stating that their investigation for the dispute has been completed and that BOA is unable to pursue the charges. Included in their letter they provided with signed copies of receipts which shows only XXXX of the XXXX signatures are mine. I did sign " commitment letter at the establishment agreeing to a {$500.00} charge which later came out to be {$820.00}. However, I do not recognize the other XXXX signatures on the {$1600.00} receipts. 

Please re-open this investigation as requested by consumer.

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