vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-07 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: TN

Complaint narrative:
I have had multiple loans through XXXX/Navient since I began school in XXXX. Since then I have had issues with my finances and have asked them for help. I have always been told that my payments are based on my income and are as low as they can get, even when I was unemployed my payment amount did n't change for this reason. They suggested I do a forbearance, which I have had for a few years now, and have gained quite a bit of interest due to this. I have never gotten any assistance in trying to make my monthly payments affordable and am just now at a place financially where I can afford them, despite being out of school for several years now. I always felt they took advantage of my situation, threatening default if I could n't make payments but not offering me any options other than a forbearance. Even going as far as stating I was n't eligible for a no/low income deferment when I was unemployed. I have had nothing but issues with this company and feel like anytime I need to speak to someone I get the runaround, being transferred from XXXX person to another because each person I speak to can not help me for XXXX reason or another. I will end up now paying over {$5000.00} more than what my loan is actually for because of all the interest I have accrued during the forbearance they required me to do. I received a call last night about the lawsuit being filed against the company and would like to be considered as I feel the issues being brought up in this lawsuit are exactly what I have been dealing with the entire time I have had a loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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: NV

Complaint narrative:
A few years back, I kept getting emails from XXXX/XXXX advertising forbearance as an option for me, I was never given information about income driven repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had a checking and savings account with BOA for several years. They closed my savings as I made too many transfers. ( In CM agreement ). Then they began charging me a {$25.00} monthly fee. When I 've complained, many times, they have told me by letter and phone that it was changed as I no longer have a mortgage account. I never had a mortgage account to start with. I requested that the remove the {$25.00} fee from my account permanently. They issued some credits, but refused to remove permanently. I requested that they change my account to a different account without a fee. They refused. The last time, they said they would temporarily hold the fee for three months till I decide what to do. I was due to be charged XXXX 2016 again. On XXXX XXXX, 2016 I called to close the account to avoid the fee. I spoke to a very nice rep. named XXXX. She helped me with closing the account. During the conversation I told her I could not understand why my son had an account with no fee, and my daughter in law had an internet account with no fee, but after 15 years, I had to pay a fee. She was apologetic and said she wished I had mentioned that before she closed the account because she could have changed the account to a " core account '' like my son has. All I had to do was direct deposit {$250.00} per month to avoid a fee. 
I had written through the CFPB before, and spoke and received letters from BOA executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement, but no one even in the executive office bothered to offer to change my account to the core account. NOW, I would like my account reopened and changed to the " core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with BOA is because both of my sons and a friend also have BOA accounts, and it 's how we transfer money to each other for bills, etc. 1. Please reopen the account as a " core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed, when it could have. 3. XXXX, who I spoke with approx. XXXX. PT on XXXX/XXXX/2016, commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please, email or USPS mail only.

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
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have repeatedly disputed XXXX accounts with Navient, which from my research were recently purchased from another lender. I have asked on more than XXXX occasion that all communication be done in writing only, so that I may keep records. 

Navient has instead chosen to spoof their number and repeatedly call me looking for the account holder ( which i am not ). It is ILLEGAL for a collections agent to block, alter, or otherwise attempt to make their phone number appear as a local caller instead of the actual phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: VA

Complaint narrative:
I have been given multiple forbearances and deference because I have never been able to afford my payments. The fees are astronomical. I will not be able to ever afford my payments because the set payment amounts do not take into consideration any living expenses. The payments are based solely on income and family size. It automatically sets consumers up for failure and at high risk for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 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: TX

Complaint narrative:
Hi, I was told by Bank of America that the {$55.00} foreign transaction fee placed on my account from buying airline tickets off an XXXX website in XXXX dollars was non-disputable. I am unhappy with this response, and it raises a XXXX questions:XXXX ) Why was my other {$0.00} foreign transaction fee able to be waived so easily over the phone? They say on the report that it was a " business decision ''. I am certain that Bank of America can make the same " business decision '' to waive my {$55.00} fee as well. 
XXXX XXXX Other people who have had the exact same issue as me - buying airlines tickets and being charged a foreign transaction fee by Bank of America - and got this fee refunded. 
XXXX ) How is my {$55.00} foreign transaction fee different from the above XXXX cases? Please elaborate. 

I know that Bank of America has the ability to lift this charge. 

Thanks!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26 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: NC

Complaint narrative:
I was initially set up on a progam where funds were auto drafted monthly. I noticed they funds were n't being deducted I reached out to customer service who assured me I was still in good standing. The following month is was the same situation I once again called a XXXX XXXX representative who informed me everything was still in good standing and not to woy they would notify me when the program ran out so I could call back and requalify. No my student loans are ove {$800.00} dollars behind. I have XXXX XXXX XXXX on several occasions to set up a payment arrangement to bring everything current. None of reps were willing to help There only option was to pay it all then I could set up a payment arrangement. It waslike my prior XXXX calls had gone in vein. Based on my current income and and the amount of debt I 'm currently in I was asking for the lowest payment possible never neglecting the fact I owed them but wanted a lower payment. I even had XXXX rep to tell me borrow the money from someone to make the payment. Some type of customer service XXXX XXXX has. I wish I would 've never taken out a student loan with XXXX XXXX because they refuse to help you when you actually call they to set up payment arrangements and then all they do is harass you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
To whom it may concern, Today I applied for the Alaska XXXX XXXX card over the phone. As expected, I went through a credit approval process by which I assumed I would be given approval for the XXXX card. Upon completion of the process, the customer care associate said I was " approved, '' though she did not state which card I was approved for. When I asked, she stated I was approved for the signature card, but needed to double check. When she double checked she stated I, instead, was approved for the XXXX Platinum card ( which is not even listed on the website ). The credit line was automatically opened upon submission of my application. 
When a customer calls to sign up for a card, and is placed on hold while his or her credit score is approved, and then told " you are approved, '' the blanket assumption is : I was approved for the card I requested. Luckily, I double checked and asked what card I was approved for. To add to the deception, she stated I was approved for the " signature card '', but needed to verify this. Upon verification, she informed me I was approved for the " Platinum '' card -- a different card entirely. The account was already opened at this point. When Alaska XXXX advertises XXXX offer, presents information as if the customer is receiving said offer, and then switches the offer at the last possible moment falls under the definition for " Deceptive Marketing and Enrollment. '' The only reason I applied for this card was because it was advertised as XXXX mileage points upon approval, the woman on the phone even stated I would get an additional XXXX points for signing up today. This advertising scheme is precisely what I am reporting. The information for the Plantinum card that I was automatically signed up for is not even easily accessed online. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2017-01-19 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: IL

Complaint narrative:
Heard about the current lawsuit and I wish to have a evaluation of what my balance should actually be? I woul also like to make sure the interest rate is correct along with the pay off timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Vehicle loan with B of A was paid in full in XXXX 2013, but there were late charges that had accrued over the life of the loan. I disputed these charges and it took several months before B of A finally responded. My parents paid the late charges on the loan in full thereafter. However, B of A is still reporting the ENTIRE loan as a charge off on my credit reports, not just the late charges, and is not showing it as paid as agreed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a B of A mortgage modification loan, and it has been in place for XXXX years. Now for no reason B of A has been sending XXXX packages to my home. The documents state that I need to re sign these documents and have them notarized. The documents state " As your home loan servicer, we where pleased that your loan was approved for a loan modification.Although your mortgage has been modified, there was an error in the format of the documents that we used and they were unable to be recorded at the county records office. If not recorded properly, homeowners may experience issues later when attempting to have their home loan serviced. This is not a new loan modification. It is a copy of your previous loan modification. '' They later state, .. '' while reviewing the documents, we noticed the XXXX or more items where missing in order for it to be recorded at your local county recorder of deed, which is a requirement of the loan modification process.Because we need your assistance in signing the replacement agreement, we would like to compensate you for your time by offering a {$500.00} incentive. " I checked with the County and my modification has been properly filed, recorded and documented with the county ; they faxed over my documents and everything seems to be in order. I have called Bank of America many times in regards to this and they keep giving me the same reason. I was assigned an account specialist who called me back regularly to tell me she has no answer for me as to why B of A insists that I need to resign these. I have taken it to the B of A escalation department ; where I was assigned another " account specialist ''. I have been recontacted by this specialist over the last XXXX weeks, at least XXXX a week ; to tell me that she has no answer for me as to why they need me to resign. Now the last call from this representative, I was told that she would no long be able to work with me and that I need to contact another person from B of A. I have supplied them with a copy of my documents and deed, registered with my county as proof that there is no issue and that the documents are indeed registered. B of A continues to XXXX the same documents to me ; I believe I have XXXX or XXXX of these packets now. I just want a straight answer from B of A ; or a copy of the document from my county stating that there is really an issue with my documents. I can not get a straight answer from anyone at B of A, this has been going on now for over 6 months. I do not trust these people and I just want a straight answer or proof so I can sleep at night knowing that these people are not trying to take my home ; I have never missed a payment and I have never been late. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Bank of America. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
They withheld information. My loans were consolidated with XXXX and a few days later, I started receiving mail from Navient saying my loans without my permission. Also, in XXXX I received a call from XXXX XXXX saying they were about to garnish my wages because my loans were in default. Never in my life have I allowed this to happen. They actually left my apartment number off the address. My phone number was the same number I had since XXXX, so I 'm not sure why I was never called until it was too late. I then had to pay almost {$100.00} for 9 months before I could go back into a repayment plan. This website will no allow me to submit the complaint using the option 'Getting a loan ' option. Taking me to XXXX page on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In 2012 I was contacted by Bank of America & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at bank of America. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with bank of America so they can notify the IRS of the Error. I have made several attempts for bank of America to correct the situation however they are n't owning up to their inaccuracies.

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 2015-04-22 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 just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Bank of America to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and bank of america returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: GA

Complaint narrative:
My grandmother and I are co-borrowers of a student loan originally from XXXX XXXX. The repayment process has been treacherous for lack of a better term. My grandmother who is XXXX has been receiving multiple calls from different numbers and received numerous letters threathening to garnish her social security check which is her only source of income. I was sick and ran into issues getting a permanent job. I got one 2 years ago but they put my loans into default witn no ways of negotiation to catch up with the exception of them trying to charge me {$400.00} for a repayment program which was entirely too much especially since the payment was more than a car note. Now my grandmother and my credit is shot. If it was just a better way to repay a student loan without having to feel like you made a huge financial mistake just to get a good quality education.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, NJ XXXX XXXX XXXX, 2015 My name is XXXX XXXX, and I am borrower for real estate closing of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. The closing took place on XXXX XXXX, 2015, and the closing had been delayed almost 2 months due to Bank of America loan officer and underwriter 's numerous mistakes. 
Further, although BOA loan officer has reassured me there will not be any penalties for the rescheduling of my closing, there was {$2800.00} fees on my closing which I never agreed ( see attached HUD, Page XXXX, Item XXXX ). 
No one informed me there will be " Adjusted Origination charges. '' Further, there had been discrepancies on Good Faith Estimates provided to me ( See attached GFE dated XXXX, XXXX, and XXXX ). 

1. GFE dated XXXX/XXXX/2015, there was charge of {$660.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$660.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Loan Lock Extend fee of {$660.00}. 

2. GFE dated XXXX/XXXX/2015, there was charge of {$1000.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1000.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$660.00}. 

3. GFE dated XXXX/XXXX/2015, there was charge of {$1500.00} for 2.75 %. But, Estimated Settlement Charge Summary dated XXXX/XXXX/2015 showed Rate Chosen Discount Points of {$1500.00}, and RESPA Credit Worksheet dated XXXX/XXXX/2015 showed Discount point fee of {$1500.00}. 

4. On XXXX/XXXX/2015 closing, actual fee was {$2800.00}. 

Although BOA loan officer repeatedly advised me he will waive any penalties or fees, I paid {$2800.00} at the closing, and as of today, I have not received the refund check or further explanation from anyone. I hereby demand Bank of America to give me full refund of {$2800.00}. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation