vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 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: TX

Complaint narrative:
I have asked several times about the Obama repayment loan and I have though I was already placed in it. However I have not been helped by my loan servicer they just continue to give me the same rates and put me in their plans that increase my loan by a crazy amounts every year.I have tried to get into the Repaye or Paye and I have had not luck with help from my loan serivcerr. It seems like they do n't care. I have asked to be put another program where I can pay my loans down increase what I pay towards other loans but they just advice me otherwise but I have bills that could have been paid of years ago if they would work with me now XXXX is XXXX. I have been XXXX for 5 years and I have had no help with my loan servicer. I asked them 5 years ago about this plan but they just told me I had to wait 5 years. Come to find out I should have been put in the 10 year program so I can have a better rate and get forgiven after 10 years I have waisted 5 years and I am angry with both Navient and NELNET. I have teacher loan forgiveness for XXXX in like only a penny in a well drop for my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
The school is XXXX XXXX, I am the parent co signer on this loan ( although I do n't remember signing on it ) the loan is past due and XXXX the loan company is requiring that over XXXX a month be paid we can not afford this kind of monthly payment and a supervisor ( we have her name and ID number. ) agreed we could pay XXXX a month. We sent in the payment via the automated line as agreed. now XXXX states that this agreement was never made. To make it worse they have no record of the payment being made. we have the confirmation number for this payment. we have no problem paying but for the amount agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: MN

Complaint narrative:
Simply put, my student loan payment is growing to such levels that it will soon be larger than my rent payment. I am constantly falling behind in payments due to the sheer size of my monthly payment. As I make one to catch up on last month, I become late on this months, so to speak. These people REFUSE to work out another temporary forbearance as I have already used mine up. But explain to me how having a forbearance, and a job out of college that pays poorly, prepares you to make {$800.00} a month payments? Also after the sub prime mortgage meltdown, I could not find a well paying job for almost two years. I am not trying to avoid paying my loan off, I am trying to avoid not being able to afford marriage, children or buying a house before I am XXXX and already close to retirement. All I want AES to do, is to lower my payment, which is now almost 30 % of my monthly income, soon to be close to 45 %, and/or give me another temporary " hold '' on my loan payments to allow me to catch my breath at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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:
For the past couple of months, Bank of America has been double charging me. They also change the screen charging overdraft of already charged items. On about XXXX/XXXX/2016 I called in and ask them why they double charge me for checks returned, when the day before, that was not the case. The clerk from XXXX XXXX fixed it and sent me a customer satisfaction survey. Before I could send the survey in, they triple charged me and changed the screen again. I called again and ask why. I spoke with this rude clerk who try to justify why the changed the screen every chance they get to charge and double charge you for everything. She wanted to argue the why the action was put in place and why they change the screen. I told her, did not agree with her and was not going to argue with her, and told her good-bye. I have copied the statements befor this one and do n't have a scanner. However, I am able to fax additonal information important to this case.

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 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I having problems with BOA with my mortgage an a loan equity. After they had converted the mortgage with the loan equity loan. They still charging me for the equity loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I was recently laid off from my job and attempted to see if I could get my student loans from Navient temporarily suspended until I could find work again so that I could continue making payments. Navient told me my only option was to put the loans on forbearance for 3 months and they would have to charge me {$150.00} for this service ( completely unacceptable to take advantage of someone this vulnerable! ). I have also attempted to lower my monthly payments of {$500.00} with them and come to finally find out that I 'm only on a 5 year term repayment plan ( which I was never informed about ; no wonder I 'm paying {$500.00} a month! ) They informed me that in order to lower my monthly payments they would have to extend my terms which would require a credit check ( not sure why that is ) and my co-signer would have to prove she is not able to make the payments either. I 've attempted to remove my co-signer a few times off of my loans as I 'm no longer in contact with them and I 'm XXXX years old and no longer need a co-signer. Navient is extremely difficult to work with and I want my payments temporarily suspended until I can find a job without getting charged for it, I want my monthly payments lowered, and my co-signer removed from my loans without her permission as I 'm XXXX years old, no longer need a co-signer, and I 'm the primary on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I have student loans with Navient. I am a XXXX, so obviously I do n't make much money. I tried to go on the website and lower my payments ( I have never missed a single one in 10 years ). The information to repay based on income was so convoluted and it appeared like any option to refinance would result in sever penalties later. I then tried to fill out paperwork to defer my loan for one year for some relief and the link for the downloadable pdf I needed never worked ( I tried several times over a couple of weeks ). I did n't bother calling them because I have heard such horror stories about dealing with Navient customer service over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 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: NY

Complaint narrative:
I submitted a request for an Income Based Repayment ( IBR ) plan to Navient in XXXX of XXXX. I was assured that the request was received and that my new payment amount would be {$0.00} per month. When I checked my account in XXXX of XXXX I was surprised to see that I had been charged at the regular monthly rate since XXXX XXXX and I had accrued late fees for the past 6 months. I immediately called Navient and was told that the IBR was received in XXXX of XXXX but was never applied to my account. They did n't know why. They then asked me to resubmit another IBR request and again assured me that it had been received and applied. In XXXX of XXXX I checked my credit report to find that my credit score had dropped considerably due solely to Navient 's incorrect reporting of 6 months of missed payments on my student loan accounts between XXXX XXXX and XXXX XXXX. I called Navient to have them remove the fees which they agreed to do. The account was brought current and I had a XXXX balance. Today is XXXX XXXX and I just checked my Navient account because the missed payments are still showing up on my credit report and affecting my credit score greatly. Navient now states that I owe {$270.00} for my student loans when according to my IBR I am supposed to be at a {$0.00} payment until XXXX of XXXX. Their offices are n't currently open so I can not address this with them today but again they are incorrectly billing and applying charges when none are due. I continuously have to go behind them each month only to see that they still are applying charges that should n't be there. Then I have to sit with them on the phone for hours for them to correct it in their system, rehashing the story over and over, only to have to do it again the following month. It 's exhausting and a complete scam to charge people this way hoping that they wo n't notice and ruining their credit in the process. This needs to be addressed immediately.

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

Complaint narrative:
I 've been given false information about paying back the loan. The original payment I was making for the first few years of the loan was not adequate to have the loan paid off in the original term. I was then told I need to increase my payment in order to 'catch up '. The payment amount I 'm making now is not equal to the statement amount they send me. Also the payment schedule does not make sense based on my own math. I 'm concerned my payments are not being applied correctly to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge

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 2017-01-21 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: NY

Complaint narrative:
I currently owe more on my student loans than when I first borrowed for my XXXX ( back in XX/XX/XXXX and my XXXX in XX/XX/XXXX ). Over the years I have been forced into forbearance never informed that the interest would continue to accrue. I have specifically called and asked about repayment and forgiveness options and been given incorrect information. I called recently to follow up on Federal Repayment which I was told I would be eligible for this year. I was told I was never eligible, requested they review my phone calls from the year before which they claimed they could not find. I was told to consolidate which would have taken me 25 years to pay off with new interest when in fact if I continue paying them off the way I am now I would be done paying them off in ten years which they did not tell me. I have been a XXXX in XXXX for the last ten years and am a mother of XXXX. I am struggling to get by and live paycheck to paycheck. I was never made aware of other options than forbearance in the past and never told about forgiveness or repayment options and given false information when I asked directly. During my last conversation with Navient when I requested for them to review my phone records which they " could not find '', I was assured I would get a statement recording my complaint filed with Navient which more than two months later has not been sent. In XX/XX/XXXX I was told to consolidate my loans to be eligible for loan forgiveness which I did and then was told that I was never eligible. This consolidation, I believe, increased my interest to the point where I now owe more than originally borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Bank of America. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.

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 2015-04-21 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: MN

Complaint narrative:
I have been getting numerous phone calls on my debt. In XXXX day I will receive anywhere from XXXX phone calls and XXXX voicemails. They will call 7 days a week from XXXX to XXXX. They have discussed my debt with my family, friends, and references I used on my student loan application. They refuse to send me my original promissory note so I am unable to verify the amount I owe to them. Several of my student loans have reached the statute of limitations and they are still threatening me and are not helping me. I have tried to work with them but was called ridiculous and told I needed to be in a better frame of mind. I was hung up on XXXX while trying to discuss my options, that they wo n't talk to me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a loan with Bank of America XX/XX/XXXX. I fell into hardship around XX/XX/XXXX however I still continued to make payments until I got a modification of my loan XX/XX/XXXX. While I was making payments and the loan modification was being processed Bank of America sent my loan to a attorney for foreclosure. It seems as I was making payments, Bank of America was sending my payments to a suspense account and were not applying the funds correctly making it seem as though I was late. The foreclosure was dropped after having to speak to a Bank of America district manager and him researching and clearing the foreclosure. Now I am being serviced by XXXX and they keep stating that I owe fees for the attorney and foreclosure when it never should have gone to them in the first place. I have tried over the years with no success to get this removed from my current loan and I keep getting no where. I have spent countless hours and stressed in so many ways and have been defeated. Please assist. I have my transaction history from that time showing where the funds were in the partial balance the whole time and I have the notices for Bank of America 's intent to accelerate from XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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:
In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from BOA that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying now..

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 2016-07-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Prior to the mortgage crisis, Bank of America approved $ XXXX loan under my name when I only made $ XXXX/month. They used my husband 's income as my income so I was approved. I was making my regular payments until my husband lost his job and I called Bank of America to help us since Obama came up with the Modification program. I was given a packet that I filled out and Sent it back with all the information they needed to collect. They then sent me a " trial period '' payment of {$810.00} as my original payment was about {$1500.00}. I made my {$810.00} payments on time as per the understanding of the mortgage coupon and letter. As my coupon was running out, I called to see what happened with my loan and they said they were looking through it and to be patient. A month later I called Bank of America again to check and they told me they declined my application to lower my payments. I received a foreclosure letter and started getting letters from my credit card company that they were either closing my credit card accounts or lowering my credit limits. I thought someone was running my credit so I checked and found out Bank of America said I was late on my payment. A few months later Bank Of America sold my loan to another company. It was n't true since they said I was to make the " trial payments '' and nevwr disclosed that it would show I was n't making payments on my credit bureau. I want that record expundge because I was making payments on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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:
My complaint is with XXXX XXXX now known as Navien. From XX/XX/XXXX to XX/XX/XXXX, I tried to get my monthly payments lowered through Navient. This was due to the fact my mother is a single parent, my father does n't help, and I was still looking for a full time job out of school. I tried for almost a year to get my payments adjusted due to my income and my mother 's ( she was the cosigner ). My payments were over XXXX dollars and neither her nor I could live a normal life with these payments. They wanted us to live like Hermats under a rock. I kept getting told that my income was enough to cover. I was making XXXX a year at this time. My mom XXXX. At the end of our expense calculations, both of us were close to coming even for the month after paying this rediculous loan.. Nowhere near the income for an over {$500.00} a month payment. They were close to {$700.00}. But nope, Navient still states that we had to pay because technically, we could cover if. Am I not supposed to live my life? My mother was told maybe she should " cut back on strenuous and extravagant spending. '' My mom is a XXXX and does not spend where she does n't need to. We were appalled. I wanted to make payments, I wanted to repay Navient. I just could n't do close to {$700.00} a month. They would not work with me. I have records to back these statements up and the countless times my mother and I were pleading with " customer representatives '' to help me get my payments lowered. I have a federal loan and a loan from my college as well as this. They did n't care. After almost A YEAR of trying, we finally got them lowered, but still at {$300.00} a month. That to me is still outrageous. This new plan is called " rate reduction plan. '' It ends next month and I am so scared what is going to happen next. It makes me not sleep at night. I have no clue if I will be able to keep these payments. These people do not care about their customers, all they care about is getting their money at any cost. Like I stated above, I told each representative many times that I do want to pay you back. Just please work with me on a payment plan. And each time I was told " you signed an agreement, sorry. '' Unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: FL

Complaint narrative:
I have had multiple student loans dating back to 2008. Over the year I have sent numerous letters detailing financial hardship and received no response regarding my plea for repayment options as well and loan forgiveness due to my school failing to complete everything I was offered upon admission. I have made several calls regarding repayment options and was told by multiple representatives that I did not qualify and that despite my loans being deferred that there would be penalty to me for deferment I recently began working on my financial situation and realized that my once {$10000.00} loans have more than doubled. I was deceived by Navient, they ignored my pleas for help and also used deceptive practices when I called and tried to arrange payments. Due to their inability to be honest I now have derrogatory remarks on my credit when I had been in contact with them trying to avoid and negative outcomes. Navient has severely impacted the amount of dept I owe by being deceitful

Company response to consumer: Closed with explanation