vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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: AR

Complaint narrative:
My loans were formerly serviced by Navient. I have read about the recent filing by the CPFB against them and wanted to add my complaint to the list. I have been in repayment and on IBR since XXXX. They misfigured my payment mulitple times, when I was able to calculate it easily. My husband also has qualifying XXXX loans and this seemed to be confusing to them. I requested consolidation early in XXXX and they stalled for nearly a year. They claimed I had loans with another company ( I did not, they had all my loans ), they would give me differing answers as to the delay, and they would of course push me into forbearance. I accepted, as I did not want to make payments not knowing the amount or how they would be allocated. In XXXX of XXXX, I refiled for consolidation through the Federal website and this time chose my purpose as PSLF since I had started working for a non-profit. This automatically made my new lender XXXX. During the process, I was informed by Navient that they all of a sudden were completing my consolidation and I had 10 days to cancel. I called and canceled, but they completed the consolidation anyway. They argued with me on the phone that it was 10 days, not 10 business days, which it clearly stated on the letter they sent me, and I read it to them. They replied, well it will probably go through anyway, and it did. It took another 2 months to get everything consolidated and moved to XXXX. I am so glad to be rid of Navient, although XXXX has made a mistake or two as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been trying to get financiallybstable and they keep making me go to a forbearance account so I can gold payments without telling me the consequences. Also, they have missplaced payments and my information is incoreect. I have successfully paid XXXX and XXXX which was the original loans and I ca n't keep track of what I paid and did n't because they kewp bouncing me around. I believe I have paid everything and they want to keep making me pay. They need to erase that debt out of my credit. It is affecting me to progress further.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 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: OH

Complaint narrative:
In XXXX I obtained XXXX student loans ( private ) from XXXX and XXXX. The servicer at the time was XXXX which later became Navient. It was at this time that our daughter developed a XXXX XXXX. The medical bills began to soar out of control. At the poor advise of our attorney we surrendered our home and filed a chap XXXX bankruptcy that would include all of our student loans. Incuding our student loans meant that they would be paid while the chap XXXX ran it s course. We filed and the program required us to pay 57 % of all our unsecured debt which was our student loans. After approx 4 1/2 years we completed the chap XXXX. When we reviewed the court trustees documents, we found that we had paid approx {$16000.00} to Navient on a {$21000.00} loan. When we completed the program we needed to know where we stood with our loans so we could calculate our repayments options. We contacted Navient and requested an audit which they did not due. They instead dictated their terms of repayment to us. It was this time we discovered that according to Navient we owed {$21000.00} not the {$6000.00} we thought. When we threatened to contact our attorney they completed an audit. The results stated that we actually owed {$17000.00} not {$21000.00}. We kept asking why is this amount and why was n't the {$16000.00} we paid deducted. navient told us that it had been deducted, but due to Capitalization, Post Petition Interest, and the & year rule that the outcome. 

I calculated the repayment that Navient stated we should pay. The monthly is approx {$110.00} for 10 years prior to our Chap XXXX, and thats what it is for the next 5 years. At this rate we could NEVER repay this loan, NEVER! It is inconceivable that a company that uses the US Government as leverage against normal citizens, ( veterans, Which I am ) to line their pockets. We paid {$16000.00} on a {$21000.00} loan Thats 76 % of that loan, and they say its not enough. I understand that Navient is being sued by XXXX states attorney generals, and the Dept of Education 's OIG for deceptive practices, and misdirection of repayment that would benefit them. I need some real help with these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a navient student loan customer and currently the online access portal denies me access to my student loans. I am not late and everything is current and there is no co-signor on the loan. I called on XXXX/XXXX/XXXX and spoke with their customer service to inquire about the difficulty in obtaining access to my account to process a payment. The customer service Supervisor mentioned that I could not access my account information online due to a litigation matter regarding a cease and desist letter that I submitted in XXXX. I had asked them why now do I have been denied access since the years XXXX I had successfully processed my payments online. After an hour of trying to resolve this matter, I was left with the customer supervisor by the name of XXXX, that they would process a payment over the phone without incurring a fee. I went ahead and accomplished my payment through their customer service. My confirmation number is XXXX in the amount of {$270.00}. Further escalation led me to speak with another employee and she had mentioned that they were upgrading their website and that I should check back within the month to see if I am able to process and access my student loan information online. I would like to inform the CFPB as I am not sure how this issue will be resolved. In order to hedge against further demise of this issue, i am documenting and reporting this complaint now in the hopes that Navient may provide me a solution that either addresses the cease and desist or the upgrade to their website. I am not sure which problem is causing this issue. This is the first time that I had to deal with this situation. 

We 're sorry. Because of your current account status, we 're unable to process your request online. Please call us so we can assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: ME

Complaint narrative:
I have asked the company twice to not call me at work and to communicate with me In writing and they 're still calling me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I got a call from XXXX at XXXX on XXXX. I also got a call from the same number a week before. XXXX was the phone number the voicemail left to call. The voicemail was an automated recording to call about a fraud alert. This was the same voicemail from the week before. When I called the week before, no info was provided to me. When I called yesterday, on XXXX, I spoke with a gentleman who said he was XXXX XXXX, that the company 's name was XXXX XXXX, that their address was XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. I did not reveal any personal information of ours, but that gentleman had a previous address of ours, but not current. I was informed that my husband had gotten a cash debt advance from Bank of America in XX/XX/XXXX ( which he did not ) and that unless I wanted legal action to be taken immediately, including arresting my husband, that he would need my debit or credit card info right then and there to pay off the debt. I refused and told him he could pursue legal action since my husband did not commit any fraud, nor perpetrated any crime, and since any statute of limitations would have passed on any contract claim, which was inapplicable since my husband did not have that debt.

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 2017-03-29 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: CA

Complaint narrative:
I just dont get it. original loan with navient is XXXX i owe XXXX i pay every month XXXX XXXX to principal and XXXX to interest. this has been going on for 10 years. how will i ever pay this off. i am getting robbed and no one will help. no one. loan numbers with navient are XXXX XXXX i have submitted a complaint before i recieved a letter from you but no response from navient. there are doing nothing. i feel that i am being robbed and what can i do and at this rate when does the principle go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Selling my mortgage to another bank without any type of notification.

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 2016-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WY

Complaint narrative:
Was requested by the State of Wyoming complaint number XXXX Important documents were mentioned in my index of documents but were not included by consumerfinance.gov Please add these documents to the complaint. 
Thank You 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 monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Bank of America and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis!

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 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Bank of America telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Bank of America ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,

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 2015-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: OH

Complaint narrative:
On or about XXXX, 2014. I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now Jefferson Capital Systems is coming after me. I have continued to request that they validation and they continue to allow this to report on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have had XXXX issues with Bank of America this month. First, there was a fraud case, which originated within Bank of America, in which an employee printed themselves a duplicate of my credit card and used it for large purchases. After the fraud was discovered, I had to follow up several times to get all the charges reversed. The second problem, which is ongoing, is that Bank of America lost my next payment - for {$400.00}. - paid on XXXX XXXX, 2015 as an online payment from my bank account. I have complained 3 times, and each time, they say it will be fixed shortly, but it is now 18 days since the payment went missing, and it is still not applied to my account, though each time they say they have found the payment in their system. The representative I spoke with today said that no action had been taken on it previously to fix it. The last representative I spoke with said that it was a problem affecting many people, and she had had many complaints about the same situation that very day. They also charged me late fees for the " missing payment, '' saying my account had not been paid on time. They also threatened to raise my interest rate as a result of the late payment. Please help me get my missing payment back from Bank of America and help me resolve this situation. Very frustrating!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Every month my balance would be example A but my fanicial Intrest on my account is on XX/XX/XXXX.chase bank would state that my princple balance is A but when i get my monthly statement.i see that chase add faniacial intrest to my balance causing it to be higher so when they do the math chase comes out with more.for an example see below XXXX on XX/XX/XXXX should be XXXX plus intrests.not on XX/XX/XXXX bal XXXX added intrest causing balance XXXX than intrest added again saying bal was XXXXon XX/XX/XXXX. Puting chase at a better position against customers. I think its fraud.and it keep cusumer in debt.you can call for your balance its one thing but day of intrest add that balance is higher for some reason.if i sont say nothing the banks are getting away with it.why would the principal bal change that much fron XX/XX/XXXX to XX/XX/XXXX and card not being use.ita a scam.so i report chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
I opened a second checking account with First Merit bank to keep money separate from my main account for personal reasons. I was charged an " Inactive Fee '' because I was not using this specific account enough. This fee was half the money in the account. I was in no way made aware they were going to take this fee because if I was I could have made an extremely small purchase to avoid it, but instead they just took my money. I also have no way to close this account without incurring additional fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Deed in Lieu of Foreclosure, XXXX, XXXX XXXX, XXXX, CA XXXX Bank of America Loan # XXXX have been assisting The XXXX family on a Deed in Lieu of Foreclosure since XX/XX/XXXX. Wth the advise of customer service from Bank of America I pulled comps and found XXXX lot that sold for XXXX so I proceeded to list the land for XXXX for the 90 days that was advice given to me. We never received a single inquiry on the land for the 90 days. 
on or about XXXX I started getting email communications from XXXXXXXXXXXX requesting many documents which the seller provided. On early XXXX I received a call from a XXXX XXXX, an appraiser from XXXX CA. After going to property he called me and said the property may be unbuildable due to a deep crevice dissecting the lot in half. He said the value is XXXX not XXXX and not the XXXX they paid for it. So I was advised to do a modification of terms on XX/XX/XXXX and changed the list price on XXXX for XXXX. I have yet to get an inquiry on the property. During XXXX XXXX XXXX said she contacted us that the Deed in Lieu of was denied. The XXXX and I received nothing via mail or email regarding the denial. We are requesting a deed in lieu of because, # 1 they no longer can afford the payments and # 2 the value of the property is XXXX and they still owe XXXX. They developer has not completed the improvement on the land as promised. I called the company and they do not answer the phone. Please help this family out and investigate Bank of America 's procedures. XXXX XXXX, XXXX # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history. 
This situation continues to have a significant damage an impact on my wife 's fragile health and medical status, continues to cause mental anguish and negatively impact our long term relationship and is causing significant damage to our ability to the peaceful and quiet enjoyment of our personal financial lives.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13 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: ID

Complaint narrative:
Student loan originally was with XXXX XXXX, they changed it to Navient. My granddaughter went to XXXX school then became XXXX, had a XXXX. XXXX died on the XXXX. She was devastated, she became XXXX right away, thinking this would help them get over the situation. They could n't afford child care and she was unable to work, had to live with parents. They tried to pay but not enough money. Navient called and hassled me and bullied me frequently, threatened to garnish my XXXX a week job and am on social security but my name was on the loan. I finally got tired of the harassment and bullying, and per their suggestion put it on my credit card. I am XXXX and did n't need the bullying. With the high interest rate the balance remains unchanged from the original balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I went to Chase Bank website to check my refund status and noticed that my refund had not yet been deposited. I checked IRSXXXX with my personal information and I made an inquiry and determined that on XXXX XXXX 2016 my refund had been deposited in to my account. I checked my Chase account and to my surprise it was not in my account as indicated by the IRS. I called Chase and asked why my money was not in my account, Chase bank claimed to not know anything about my refund and suggested I call the IRS. I called the IRS to question my refund - They reported the IRS would have to investigate further - subsequently mailed us roughly XXXX weeks later, we received form # XXXX stating " your refund was direct deposited into the account indicated on your tax return. If the account number on your return was incorrect, you must contact your financial institution to resolve the erroneous deposit. '' All attempts to resolve this matter were met with negative results. It has since been determined that the finical institution ( Chase Bank ) violated their own security policy and procedures by failing to ensure that the name on the account match the names on the IRS prepared deposit.

Company response to consumer: Closed with explanation