vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: RI

Complaint narrative:
my daughter did not pay her loans in a timely manner. as a result the private loan company Navient came after me to pay the outstanding balance and be responsible for paying the XXXX loans that were due. they did not explain anything about the process only that according to them I had enough extra money to pay these loans which have interest rates of 9 % and 8 % and 9 %. I do not have the extra money and have repeatedly contacted them to find a way to either put them back on my daughther who I am sure would be able to get a financial hardship decision regarding her income. I have been trying to find some program to help me with this loan company who at the very beginning reported to XXXX credit company that XXXX loans were in default which in turned notified my bank who then froze my line of credit and I have not been able to resolve that issue either even though I have been making payments on the XXXX loans on auto pay. these loans came from XXXX XXXX and they sold them to Navient with very little notice. I always thought that XXXX XXXX was a government program not a private lender. Neither company has been willing to discuss any way to fix these payments in a way that I can afford to pay them. They total over {$350.00} a month all together. They are rude, and have not cleared up the default to my bank or the credit company. There should be some government agency that oversees these companies so that they can not continue this practice. I need some help with this illegal situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX Bank of america accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Bank of America would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Bank Of America, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a closed account showing on my credit report in the amount of {$2600.00}. I have disputed collection with the so called creditor XXXX XXXX Online. They are alleging that I owe a balance to them when all of my schooling was handled by FAFSA and pell grants. Soon after disputing the account, I got a letter from General Revenue Corporation ( GRC ) demanding payment, so I called this company asking why I needed to pay them and if they would send me a copy of the contract they were attempting to collect on. I spoke to a XXXX XXXX an agent who was very professional and she agreed and stated that I did n't owe GRC anything. She then transferred me to XXXX XXXX who was a manager that was very rude and unprofessional, interested only on collecting and not verifying the debt or resolving the matter. I also asked her if she could send me a copy of the contract that she stated that she had, but she refused. I recorded the call as she asked me for personal information numerous times attempting to build on what little information they have besides my name. I declined just as she did when I was requesting the contract, in lieu of my identity being stolen by someone posing to be a legitimate company, providing suspicious documents that anyone could type up with no letterhead and no original signatures. XXXX XXXX informed me that the information she had was all she needed in order to collect on the debt, even though nowhere on the ( suspicious ) XXXX page contract do I give XXXX the consent to share my information with any third party company. The call ended when I asked her one last question about why they sent me XXXX page of the contract, and not the entire agreement that was signed with the so called original creditor XXXX. She ended up hanging up on me stating that she would put me in her system as a refusal to pay. Please help me gather legitimate documentation from the original party pursuing the debt, with support showing they loaned me funds.

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 2016-11-22 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: IN

Complaint narrative:
I enrolled at the University XXXX XXXX and was told XXXX credit hour classes would cost {$700.00} and that I would have good career prospects in XXXX XXXX at the end. As I got further in my degree, the price per class went up to {$1500.00}. I was too far in to transfer schools as I would have had to repeat several classes. I ended up graduating but unable to find a job in my field. I repeated my whole degree in the same field at a difference school ( XXXX of XXXX ) and then was able to find a job with that degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
In 2008 my daughter was a XXXX at XXXX XXXX. I received a call from the school asking if I would cosign a note for her tuition. I did cosign. I did not receive any paperwork. I understood the loan was approximately {$20000.00}. I was told that if I made all the payments for XXXX years, the loan would be put in my daughter 's name and she would have a lower interest rate than I would. At the end of XXXX end of XXXX years XXXX XXXX denied having told me that, Several years later while paying $ XXXX month, I learned I had XXXX loans totaling {$49000.00}. Only in the last XXXX weeks did I learn how the loan escalated from {$20000.00} to {$49000.00}. The note apparently allowed the school to receive additional funds as it saw fit. 
Last week I was told I owed {$400.00} in interest and {$49000.00} in principle, All my payments for the last XXXX years have been applied to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 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: WV

Complaint narrative:
I have told them several times that I have no way to pay this, and yet they continue to harass me. I 've asked for a deferment quite a few times, seeing as I 'm unemployed with no way to get a job, but they have n't done anything but demand money. Now, my grandfather has called me to let me know that now they 're sending him letters, saying they ca n't find me. They know my number, they send me bills all the time at my address. I 'm afraid they 're going to start harassing him like they have me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank. 
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}. 

The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid. 
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily. 

The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}. 

Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have nearly XXXX in student loan debt with Navient, from loans that were originally taken out with XXXX XXXX, and then transferred to Navient without my consent when the company split. I am currently finishing my last year and a half at XXXX University, and am in school full time pursuing a XXXX degree, as well as working unpaid in a XXXX for needed experience to get into XXXX school. I am unable to work as much as is necessary due to the XXXX hours a week that are dedicated to school and XXXX work, not to mention the cost of living ( rent, bills, food, etc. ). Last year I made under XXXX, and still barely managed XXXX hours of sleep a night. 
I called Navient to ask if they could either lower the monthly payments, postpone them until after school, or put them in forbearance for at least a few months so that I could try to find a solution. I was told that they had no option for financial hardship, and I would either have to pay, or my account would go into default. What? XXXX XXXX, as awful as they are, at least have a program for financial hardship, that allows you to put your account into forbearance for a maximum of 12 months. The woman on the phone was not only rude, but then started lecturing me about how it should n't be so difficult to come up with the money, and that I could ask family and friends to just give it to me, and that my payment really was n't that much anyway. I explained that my rent is $ XXXX ( which is cheap in XXXX ), and that bills, food, etc. were already over what I was making, and that I was barely able to cover the basic minimum. She said : " Well there 's nothing I can do. You have to pay. I 'm going to end this call now. Call us back when you have the money. " Are you kidding me? The whole point of a student loan is to enable students to get the education they need in order to get a lucrative job in the long run. I will have a XXXX and XXXX in 5 years, with which I can get any number of high paying jobs. I have no intention of defaulting on my loans, and every intention of paying them back. How is it possible that a federally endorsed student loan company is both " unable '' and unwilling to help the very students that take out the loans with setting up a payment plan that is reasonable? Do they not realize that they will lose more money by forcing students to default on their loans rather than reducing their payments to make them affordable? How is this legal?

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

Complaint narrative:
A few years ago, I was trying to remove my co-signer from my current loans. The individual was working towards building a home and I wanted the process of obtaining a mortgage to go smoother for them. I contacted my loan provider to look into the process. I was told that 2 consecutive years of on time payments were the only requirement for having a co signer removed. I have more than 2 years of solid on time payments and was emailed the proper request form to have my co-signer removed. Shortly after turning in the completed request form, I received an email denying my request for co-signer removal. When I called and questioned why I was denied, the reason I was given was " due to my particular type of loan, I can never have my co-signer removed. '' I requested more information from the company in regards to " my type of loan, '' but never received any additional information. I 've had other issues towards the beginning of my loan repayment with trying to go on income based repayment plans, lowering apr %, or just findind a way to lower my monthly payments entirely. 12+ % has crippled my ability to repay at the high monthly payments. I have been paying this loan off for over 9 years and have barely made it to the half way point. The only option that was given to me was deferment. I 'm concerned that the company is refusing to work with me on my loans due to my issues of obtaining a co-signer when I was initially signed up. I was XXXX at the time and my parents were not accepted as a co-signer. My current co-signer was also initially rejected. Overall, I 'd like an explanation as to why I am so gridlocked with this loan and why information is not being provided to me in an accurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 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: FL

Complaint narrative:
In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 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:
This complaint is related to complaint XXXX against Bank of America. This prior complaint was closed without proper resolution. On XX/XX/2016 I faxed all information requested by Bank of America to Bank of America. On XX/XX/2016, I followed up with Bank of America via fax ( Since I do not have a phone contact ). I have heard nothing from Bank of America. 

I am requesting the funds in my late sister 's bank accounts ( checking and savings ) up to the cost of her funeral ( Which I paid for ) in accordance with Illinois state law and the Illinois Affidavit of Small Estate. I am requesting the balance of her account including any fees and ach 's, etc paid out from her account, either to BOA or to creditors up to the amount of the funeral expenses that I paid for {$3600.00}.

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 2015-10-30 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I logged onto my Bank of America online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and " past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Bank of America 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, a credit card with a new account was delivered from Bank of America to my front porch via XXXX. No signature was required and it was just dropped off. Within 6 hours, the card was used fraudulently and the entire credit limit was used. I reported the card to my bank within 6 hours of the delivery and an investigation was opened. I have since found out the case was denied and I am responsible. I have asked the bank to reopen the case but they are telling me I 'm responsible for this until it is looked at again. I have XXXX pages of documents that I have tried to fax to them, including a police report, a receipt that shows the suspect gave his real name, city, and phone number, to make a purchase. I have faxed this information twice, received a confirmation that it went through, yet the bank still says they have not received the fax. In the past week, I have received three different answers to questions and do n't feel the bank is helping me. I have plenty of proof but continue to hear I must wait for the bank to assign this case again. They refuse to credit my account while they look into this and tell me I must make at least the minimum due in order to protect my credit rating.

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 2016-11-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Received a call around XXXX phone # XXXX claiming that they are debt collector and wanted me to pay {$7200.00} i owe to bank of american credit card that was open in 2002. They kept on repeating my SSN # which they have correct and threat to send to XXXX office for legal action.They kept on transfer me to different people and kept on asking the SSN # so they have it right. They pull up my criminal file which was wrong and incorrect.

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