vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-29 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: NJ

Complaint narrative:
I borrowed approximately 20,000 for college and grauated in XX/XX/2007. Since that time my loan increased by 50 % or so. I noticed on rexent tax documentation that it seemed like too much of my payments were going to interest. I called Navient and the rep told me i was enrolled in a program that required interest only payments for two years. Thst was in exchange for a XXXX reduction while i was on maternity leave. The rep who signed me up did not inform me of those terms. I thought they were simply reducing my payment temporarily with no penalty. At this point we have lost about 4000 to this predatory program i was enrolled in with out my knowledge. The navient reps told me there was nothing i could do and faulted me for being irresponsible with my loans. I spoke with another rep who offered to enroll me in the same predatory program at a worse rate. I emailed about returning the money to the proper principal/interest ratio but have not heard back yet from Navient. When i googled their website i saw that rhey are being sued for dishonest lending practices. I read that there are many repayment options on federal loans. I have called repetedly since XX/XX/2007 requesting repayment options and the only thing i was ever offered was forbearance and deferment. Years ago i learned about income based repayment. I called and asked the reps about it myself and applied twice. They told me i made too much money to qualify. I made less than 30k annually. J recently learned that this program is open to all borrowers. Instead of enrolling me in income based repayment while i was working, the loan company lied to me about qualifying advised me keep the loan in forbearance until i could make a larger payment. Even while i onky had partime work during the recession i asked if i coukd pay XXXX towards my loans and the reps refused to take the payment. One actually laughed at me and again told me to forbear. When i hear that there are programs and i could have had income based repayment for years i feel beside myself because my loans might be close to paid off instead of 50 % more than what i borrowed. I am beside myself and it is very upsetting. I hope you can help me and many others get our payments properly applied to the loans and get rid of this fraudulently accrued interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying to dispute the total loan amount that I am being charged for several years. Some of the loans that are lumped in under my consolidation were made during years I was not even in school as well as years that I had already graduated from college. I received an itemized statement from my last servicer, however, then I was switched to a new servicer and they refuse to assist saying that they only can use what they were given by the previous servicer. I have asked for proof of my promissory notes for these loans and none have been provided. I have been experiencing this issue for over ten years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I took out loans a few years back to help pay for my college. I went through XXXX XXXX as well as a few Federal loans. XXXX XXXX consolidated all of my Federal loans, and they charge me around 4 % interest which is fine. XXXX XXXX could not take over my other loans from XXXX XXXX and Navient as they are private loans, I tried, both companies declined. Now, I have XXXX with XXXX XXXX and XXXX with Navient somehow. Why could n't my loans stay with XXXX XXXX? My XXXX with XXXX XXXX range around 7 % which is higher than my Federal loans, but manageable. However, Navient is raising my rates every few months without notice. I believe they are acting unethically. When Navient took over my loans, my interest rates ranged between XXXX and 8 %. I have been on auto pay since XXXX, and now, my rates increase without any notice. When I question it, and I 'm always unable to speak with a Navient representative over the phone despite many efforts. They finally emailed me back saying that there was nothing I could do, it was up to them to set the interest rates. Then my rates jumped to over 9 % ( always no warning ). As they stand, XXXX of my loans at Navient are at exactly 10 % interest rate. Within less than a year, they rose to 10 %. I feel like something has to change. I am paying over XXXX dollars a month a year after graduation. I ca n't afford to live. My fiance pays over 80 % of our modest apartment. This is no way to live, please help. 
Sincerely, XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 've been applying and submitting some documents to Bank of America loan modification department since XX/XX/XXXX. They have been losing my documents and/or just giving me a run around. It 's a XXXX loan Heloc with balloon payment program. They have been assuring me that they 're working on getting me a loan modification while at the same time, they are also working on foreclosing us since they have filed a notice of default in XX/XX/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 2017-01-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have had my loan for 11 years and somehow still owe XXXX more than what was distributed ... I 'm currently on a payment plan and keep getting noticed that I 'm behind this is out of control

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I 've been getting calls from a Pioneer Credit Recovery ( a Navient Company ). They are continuous all day long. They say they are collecting on a student loan. They are harassing relatives of mine that have nothing to do with this. They are obtaining private unlisted numbers somehow. I did a little research on this company and it seems they lost their contract to collect on these loans because of their collection practices. So how is it that they are still operating? I would also like to send a written cease of communication notice to them but do n't have an exact address to send it to. They have several offices. I get calls XXXX. Is there a main/corporate office that I should mail the written cease of communication to? They have never sent me anything in writing about this matter at all, so they obviously have an old address although I 've lived at my present address for 9 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed our reservation. After checking out i noticed my XXXX XXXX credit card had a charge for the full amount of {$1300.00} and authorization never dropped off. When this happened i contacted bank of america and dispute these and filed a claim for these duplicate charges. XXXX out of the XXXX charges were credit back as permanent credit ( {$330.00} & {$160.00} ). The XXXX was still not credited back after going back and forth with bank trying to get this resolved. The bank made errors when resubmitting and caused delays and issues with claim which was their error. In XXXX i received claim response from merchant and then was allowed to submit rebuttal for claim which i did and faxed back to bank for all XXXX amounts. How can they process XXXX but not the XXXX correctly when there all a part of same amount. They stated it was past time frame. when clearly i responded immediately when they requested along with others they gave me credit back for so it was not past time frame. I then called back in XXXX to resubmit the {$890.00} for the XXXX time. I even specified there was a XXXX XXXX statement on file showing the charge was made on another card and was never refunded. I never received any notiice of result of claim or response since XXXX. I did however receive a response for the {$160.00} amount which they stated was a permanent credit. I called the bank on XXXX to check status again. and once again they submitted claim incorrectly, did n't notify me whatsoever of any result or update or phone call for that matter. My account got closed for the - {$500.00} amount that resulted from that charge when they reversed the temp credit prior to getting my rebuttal and proof of duplicate charge. They were notified, provided every document from me and makes no sense how XXXX transactions for the same thing same stay at hotel and same charge on my XXXX XXXX can be refunded for XXXX but not the XXXX when there all the same issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I get phone calls at home and on my cell as well as my wife 's cell sometimes hourly. I asked them to stop. They then call from another phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: NC

Complaint narrative:
Charged another overdraft fee for a XXXX overdrawn balance overnight. Subscribed to overdraft protection through a linked credit card. Overdraft protection was not provided. Was assessed a XXXX XXXX fee for being overdrawn, even with overdraft protection in place. One again, transactions were ordered in order to facilitate an overdraft. 

Completely nonsensical issuance of the fee. Balance was allegedly negative XXXX, but with the overdraft fee, the account was only overdrawn to negative XXXX XXXX, thus indicating that there was a positive balance in the account. This is wholesale fraud and clearly the result of reordered transactions. 

The account was not overdrawn, since a XXXX penalty only resulted in a negative XXXX balance.

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 2016-09-05 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: WV

Complaint narrative:
Improper student loan collection : breach of contract ; fraudulent, deceptive and misleading representations in debt collection ; collection by unfair and unconscionable means ; and fraud. Navient " redisclosed '' and " realigned '' the terms of the consolidated student loan repayment to increase the monthly payment amount after about 14 years of timely payments. No previous payment was ever late, and nearly all monthly payments were for more than the minimum amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Bank of America to deposit the money. I was given a name " XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: FL

Complaint narrative:
I 've been paying of my Navient Parent Student loan and my account was put in forebearance without me requesting it. After looking at account and noticing that pretty much every payment 's interest gobbled up the entire amount ( XXXX interest-XXXX on principal ). I know the account accrues interest and at this rate I will never pay this loan off. What steps can I take to get the loan payoff moving in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
As I was in the middle of a chapter XXXX, on XXXX XX/XX/XXXX, the XXXX bank sold and bought my house with out advising me on XXXX XX/XX/XXXX an improperly way he is the seller and the buyer at the same time. it is unfair practice. the XXXX Bank cam in XXXX XX/XX/XXXX in the Bankruptcy Court asked the juge to remove the block they made in the House.I am crying for help this morgage already had to much violation on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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: PA

Complaint narrative:
I have a private loan through Navient. I signed up for a payment reduction plan that would allow me to make my payments and keep me out of delinquency. Navient explained once I was approved they would start removing {$360.00} from my bank account on a monthly basis. I was not approved for this plan and they proceeded to take the money out of my account without notifying me *they never notified me that I was not approved and that they would be taking the money out ). I do not have access to my Navient online account as it has been frozen and I do not know where the money is going or what it is paying off. I still do n't know what plan I am on because they wo n't give me access to my account. Every time I call, the collection manager, " XXXX '' threatens to sue me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I signed a loan for my granddaughter because she had no other way to be able to go to XXXX school. She was paying her loan payments after she got her 1st job. She was a single mom raising a XXXX on her own. At times she struggled to pay it. They constantly taunted her and I for payment. My father died in 2007. At that time they filed a claim on me to get payment and succeeded. They took every bit of my portion of my dad 's estate. I am single and on a small income and needed that to survive. That was money my dad had worked hard for. I was XXXX on the job I had and could no longer work. You do not believe how inhuman they are. Letters and calls to me harassing me all the time. Still send letters of abundance just to get more. I tried to talk to attorney over them taking my income away. They do n't care. My granddaughter has recently lost her job and now with little money, they hound me. Help me to stop all this. I deserve my portion of my dads estate back. They are cruel.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In brief I believe that I have been a victim of predatory lending practices, relative to my mortgage loan and attempts to refinance my mortgage loan so that I can keep my house, by the following : Bank of America XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX 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 2016-07-31 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:
They are reporting the same account on the credit 3 times making it appear as if there are XXXX seperate loans

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My initial student loan was financed by Navient in 1995. Since then I was approved for student loan forgiveness and the loan through Navient was paid in full and transferred to XXXX. Navient sent me a document thanking me for my business and documented that that loan is paid in full with a XXXX balance and paid as agreed, I have that document. At current Navient is reporting a late payment from back in 1995? That makes that unethical reporting 21 years ago? Please help me as I am actively attempting to rebuild my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
As a cosigner for my children the Credit reporting agencies have or keep reporting late payments when my son ( XXXX ) has reached agreement through Chapter XXXX Bankruptcy and my obligation as a Cosigner has been removed from these private loans through the fifth District court in Minnesota through a Stipulation of dismissal without Prejudice to the XXXX XXXX XXXX XXXX XXXX a XXXX. Another was filed in California since my son lives there.However, I have been unable to effectively contact the credit reporting agencies as they just are not interested. Please keep in mind that I 'm a XXXX permanately XXXX Veteran .My credit scores indicate I have missed payments relative to my sons school loans when ( in fact ) Navient is still posting and they do n't realize I do n't miss payments period on anything..the record speaks for itself!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX Bank of America # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started XXXX/XXXX/16 with Bank of America. XXXX of the homeowners is XXXX XXXX military. It was only sent to the XXXX department towards the end of XXXX. WHY? Why did Bank of America wait so long to place this loan in the correct department? 

In addition, Bank of America has told us that they will foreclose on an XXXX XXXX service member XXXX. They claimed they could not postpone the foreclosure sale date without a short sale approval. I spoke again with XXXX XXXX today, told him that this is an XXXX XXXX service member and it would be an SCRA violation to foreclose on this property. He said he could do nothing except tell the negotiator assigned, XXXX XXXX. 

Since when is a lender allowed to foreclose on an XXXX XXXX service member XXXX?? 

Thirdly, we are not able to contact the negotiator directly. The information given in equator is invalid, and we have no way of reaching them by phone.

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