vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 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: IN

Complaint narrative:
In the process of getting my student loans into repayment status, Navient continues to report that my accounts were late in XX/XX/2015 and XX/XX/2015. I was in an agreement for repayment program. These accounts were not late. I have disputed them with the credit bureau. They remain unchanged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I constantly receive recorded phone calls from a company named Municipal Services Bureau, OR GILA GROUP XXXX. 
They will never send me any documentation regarding what ever the issue is. They always try to contact personal info over the phone. 
They call me 10 Times a Day. I am going insane from this process. 
Can you please assist me with this matter or direct me to anyone whom may The phone number to GILA GROUP XXXX Kind Regards XXXX XXXX XXXX, Hi

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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:
received letter from Bank of America for intro. 0 % interest on balance transfers for 18 months. Called B of A, gave credit info. and was approved for a balance transfer from XXXX for approx. XXXX. I told the person I wanted to set up automatic payments at {$100.00} per month and he said no problem. I would receive a form in the mail to attach my routing no., accnt. no., and a blank check and send the info back and that would take care of that. I also stated I wanted my payments to be taken out around the XXXX of the month. I had sent the form in immediately, and expected everything to be taken care of. 
I opened a statement 3 weeks ago and learned I was late paying ( did n't make a payment in XXXX ) and needed to make a payment of about {$110.00}. to bring the account current. I called Bank of America and asked them why they had not taken {$100.00} payment and they stated I either had to make a minimum payment ( {$67.00} ) or pay the account in full. No other payments were accepted. That is not what I was told when I transferred balance. Also, my payment due date was the XXXX of the month, not the XXXX of the month that I had requested. Bank of America 's representatives give incorrect information. I closed the account this date ( XXXX/XXXX/16 ), because I do not feel B of A is either up board with info., or the representatives are incompetent. I had been charged {$60.00} in late fees, which they refunded, and I also asked that they refund the 3 % fee I was charged to do a balance transfer ( approx. {$110.00} ). I feel B of A should refund the 3 % transfer fee I was charged when I initially contacted them because I had to pay another 3 % fee to get away from them ( I did a balance transfer to XXXX today ).

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 2015-06-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX,2014 I received a letter from Bank of America. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: CA

Complaint narrative:
I have called in at least twice and logged un numerous times over the past 6 months, to figure out when and how much my student loan payments would be and every time I receive a different answer. I finally was able to get an answer online compiling all the paper invoices and its a few XXXX dollars higher than expected. One of you employees was actually off by an entire month on when the payment was due! 

I do not blame the individual, clearly there is a systemic issue on your end and it makes no sense how you have managed to stay in business. I had budgeted for a much lower repayment ( which has changed drastically about 4 times since graduating in XXXX ) and unable to even verify at which point my loan payments will settle into their " flat XXXX year payment ''. 

I was quoted the payment being mid XXXX in XXXX in XXXX to my surprise it had changed to XXXX, as of earlier this month it was XXXX. Now I come to find out the true payment is XXXX student only loans + XXXX for parent loans. The parent loan alone were quoted as a repayment of XXXX. I can not understand how the payment is now more than 3 times the quoted amount form earlier today. 

If I were to make the flat payments it would mean paying out more than my current after take income. I am not upset at the loan balances for they are the price of my education, I am upset at the lack of proper and correct communication on Navient 's behalf that has made it so my planning is now inadequate. 

I will be submitting a complaint to the consumer financial protection bureau, I am unable to pay my debts if the correct amount due and the payment day is being miscalculated. I was also told that ACH payments were made 5 days ahead of the due date. Having a background in backing I would love a valid explanation to this. It seems all other lenders and major utilities can receive and make payments on the correct payment date but for some reason Naviet requires there payment to be 5 days ahead of time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
Online women 's clothing company - MONROE AND MAIN - illegally opened an unauthorized account with a credit line of {$750.00} in my name. On XX/XX/2017 I received what I thought was " junk mail '' to find a bill for a past due amount of {$39.00} notifying me that it the account has been sent to collections!! I immediately called to dispute the claim, charges, etc. Following up on XX/XX/2017 I was told they 've closed account with XXXX amount due and are recalling the notice to collections. Please direct me regarding steps to ensure this is rectified and that it will not effect my credit. Sincerely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My employer has received a robotic collection call at the switchboard from this agency several times a month for over two years! This must stop.

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: MA

Complaint narrative:
I am one of the many borrowers that has my loan serviced by Navient. When I tried to arrange for a more affordable payment, I was forced into forbearance ( multiple times ), this year I paid basically nothing in principal and about {$3000.00} in interest! I did not fully understand how much I had been taken advantage of until I got my XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 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: WA

Complaint narrative:
Hello, On XXXX XXXX, I noticed an overdraft fee of {$35.00} on my account ending in XXXX. The male representative ( I did not get his name ) told me that the overdraft fees of {$35.00} were being reversed since the account had overdraft protection. He said they were going to be taken care of, and to be patient. No further action was taken. 
On XXXX XXXX, I noticed another fee on the account, this time it was an extended overdraft fee of {$35.00}. This was due to the fact that the overdraft fee from XXXX XXXX was never reversed, even though the customer service representative stated it was to be done. 
On XXXX XXXX, I called and spoke with a customer service representative who would not reverse the charges, I escalated the call to a supervisor by the name of XXXX. After explaining my situation several times, XXXX repeated how overdraft protection works, and there was nothing she could do. I told XXXX that this was not a matter of how overdraft protection worked, but being accountable for the customer service representative. XXXX apologized, and stated the individual did not represent Bank of America. I inquired, " Are n't representatives of the company representing the company. '' I also asked if the call to be pulled several times. She evaded my questions, ignored me, and said there was nothing she could do. 
I then, asked to speak with someone higher than XXXX if she was n't able to do anything for me. XXXX told me she would get my number and have someone call me back. After a very long silence, a woman by the name of XXXX came on the phone and asked me, " What was going on? '' I explained my situation yet again. I had to say my story over again. XXXX said, there was nothing she could do. I asked if she could just reverse XXXX of the overdraft fees since I was given the wrong information. I had XXXX {$35.00} overdraft fees, totaling {$70.00}. She flat out said no. I asked if she could listen to the call recording, and call me back. I hung up.

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 2016-12-02 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: IA

Complaint narrative:
I sent a check in the amount needed to payoff a loan along with a letter. In the letter I identified the loan number, account number and amount of the payoff. Navient allocated the amount of the check toward a completely different loan, in a different group, different type of loans ( private vs dept of educ loan ) In addition to those instructions in the letter, I also gave instruction about how to allocate any additional payments. Pay loan with largest amount then loans with highest interest rate. 1. Navient did not follow the instructions for the check & loan as specified in letter. 2. Navient did not follow instructions for extra payments. I do n't know how they decided to allocate this payment toward the private loan. 
I called Navient and spent about XXXX minutes to get a cust service rep to agree to fix this. At first she suggested my husband needed to call since i only had authorization to talk about it not make changes. I pointed out that he had already sent a written letter telling them how to allocate the money. Why should he have to call to tell them to follow the written instructions? She handled this professionally and apologized for the errors. I appreciated her skills. 
Another problem : on occasion when i am logged into my account, the website will change to my husbands account. security issue. ( i know this sounds impossible, but i showed my husband. it happened while he watched. 
And finally, the offer to lower a customer 's interest rate for signing up for the auto debit seems like a scam to me. Why? Navient lowers my payment as my principle decreases. For example, rather than a fixed payment of XXXX with the amount going to prinicple increasing as loan is paid off, they will reduce the monthly amount. This causes the loan to drag on for way longer, Navient collecting more in interest. I will be taking my loans out of auto debit program. They minuscule amount of interest reduction they offer for being in the auto debit program is worth less and in fact the customer ends up paying more. Very frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: CT

Complaint narrative:
Since at least XX/XX/2010, I have experienced unrelenting difficulties and obstacles in the adjustment and repayment of my private student loans serviced by Navient ( previously XXXX ). By providing bad information, processing payments incorrectly, and failing to act when borrowers complained, Navient has cheated myself and many others out of our right to adjust interests rates and lower repayments. Navient ( XXXX ) has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment. When facing unemployment or other financial hardship, Navient ( XXXX ) systematically made it harder to obtain my right to a payment plan according to what I could afford. 

Navient has continually obscured information needed to adjust and maintain my lower payments, steering struggling borrowers toward paying more than they have to on loans. In turn, its subsidiaries made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
A collection agency contacted me regarding a XXXX credit card account. I agreed to pay a less amount to settle the debt. But the original creditors collection agency are still charging me but for a smaller amount. The debt was not settled or delete it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-14 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 a checking account with Bank of America since XXXX and Credit card since XXXX. And I have an excellent credit history. My checking account has a overdraft protection enabled via the credit card account. This month I wrote a check to pay property tax and it so happened that my checking account did not have enough funds. And my credit card was overdue and hence the overdraft did not kick in. I agree I forgot to make the minimum payment for once. But I was never notified via their website on my accounts page that my overdraft protection will not kick in since my payment is overdue. It still shows it is linked but just that it is not of any use. They carelessly rejected my check, without notifying me in anyway about the overdraft status, in spite of all the history of transactions I had with them for over a decade and offered no help to correct the situation. Had they indicated the fact that overdraft protection is not going to help me, I could have acted differently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26 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: FL

Complaint narrative:
When I was obtaining a Home Equity Line of Credit from Bank of America I was XXXX that the prepayment penalty would be waived if I opened a new line of Credit on another home. Now they say the fees can not be waived.

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 2016-08-25 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: NC

Complaint narrative:
In XXXX XXXX, I found myself in a very painful situation. I was separated, no personal goods, and virtually penniless. I discovered that I was in default on my Stafford loans, and I negotiated with the agent at XXXX XXXX XXXX to have the 30 % default removed from my balance if I found alternate financing. I applied for consolidation with the Department of Education Direct Loans during the same month, and XXXX did nothing with my requests to have the balance released until XXXX XXXX. When the Dept. of Ed. refi 'd my student loans, the additional 30 % was still included in the balance. I simply refused to pay until the error was corrected, until XXXX XXXX when XXXX XXXX started harassing my mother over the phone. I agreed to the default rehabilitation payment schedule with the understanding that the 30 % from the original refi was removed, as well as the additional 30 % tacked on by Navient for the more recent default. I followed through on my committment, only to discover that the additional penalties still stand. In essence, I complied and maintained my committments on a $ XXXX student loan debt, only to have the subsequent servicers add on fees balooning the amount to $ XXXX, sit on paperwork, and basically tell me I have no choice in the matter or in disputing the balance since Navient contends my completed request for the refi in XXXX qualifies as my approval of the balance ( which was NOT correct ). Adding insult to injury, this student loan debt was incurred for a XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX College ) and an XXXX in XXXX XXXX ( XXXX XXXX University ), none of which are any use in my current field XXXX. 
I have reached out to my Congressional representatives, and they have not been able to provide any assistance with this. This is my last stop before I consider bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have cancelled a creditcard issued by Bank of America the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Bank of America, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a 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