vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: NJ

Complaint narrative:
Debt owed here is to be payed by XXXX XXXX as I signed up with their cell service that comes with XXXX paying off the customers last bill. I have taken the necessary steps with XXXX XXXX as they should have payed you by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: CA

Complaint narrative:
Naviant/pioneer attached my wages. I tried contacting them to resolve the issue. I finally had to hire a lawyer to get the matter taken care of. Pioneer was impossible to get a hold of. They repeatedly gave my lawyer incorrect phone numbers and addresses would n't return paperwork. It took three to four months to finally get the information we needed to request a hardship hearing. XXXX I received a hearing decision to reduce my garnished amount from 15 % to 1 %. as of XXXX Pioneer had not sent the letter to my employer reducing the garnishment. As of today XXXX I am still being garnished 15 %. According to Federal Student aid as of XXXX my remaining balance was {$100.00}. My wages were attached for XXXX on XXXX, XXXX on XXXX, and finally XXXX on XXXX totaling XXXX, XXXX over what I was supposed to pay.

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

Complaint narrative:
I have had my loans serviced through Navient since 2014 and due to my economic hardship and low income, instead of paying {$0.00} for my income based repayment, Navient has charged me more interest and more monthly payments that exceed my spending capabilities. Navient has failed to offer me the right federal forbiddanc and failed to disclose any other rate reduction programs that would have benefited my repayment and credit report. Consequently, this has severely impacted my income / debt ratio which has limited me to consolidate my loans with other refinancing companies. I have had a very hard time keeping up with my payment plans as a resident working XXXXXXXX hours per week while on a resident salary. I have tried countless times to get on the rate reduction program but Navient has failed to call back and respond to my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: PA

Complaint narrative:
When I was having trouble making payments, Navient pushed me into forbearance before giving me options to lower my payment. Later, when I was able to lower my payment, they failed to inform me that I needed to renew the program and my payment was raised again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a interest only XXXX mortgage with Bank of America. The terms were for 10 years and then it became an amortized loan. My husband and I have been impacted by the recession and have been working very hard to pay off our debts. The interest only payment averages {$250.00} per month. The new fully amortized loan will now be {$750.00} per month. The additional {$500.00} per month will be a hardship to pay so I applied for a modification with B of A to extend the loan so we could be in a better situation to pay off our debts and refinance the XXXX and XXXX into XXXX loan. B of A rules are designed to make sure no one qualifies for a modification! I do not know how they stay in business! B of A has hateful practices and run-around tactics! I read the consumer reports and they all say the same thing. B of A just wants them to fail so they can foreclose. 
It looks like the only way that I will qualify for any type of assistance with them, is if I miss payment. They said that I did not qualify for the Extension program the first time that I applied because it was an interest- only payments, then it went into the amortized loan, now they say it is because I did not meet the delinquency requirements ( but do not say what those are ). As for the End Of Draw modification program, the first denial was because my debt was either more or less than the amount required for the program, now they say it is because I am in the repayment period! If I miss payments to qualify for a modification, I am at risk of foreclosure and I still may not get a modification! Attached are both letters of rejection. I have not been late with any payments for over 5 years. I am trying to get my credit re-established so I can refinance. I have XXXX more debt to pay off before I am in a position to apply. I can not be late with any payments in order to get my credit where it needs to be. B of A took no time at all to reject my requests. It is as if they do n't even look at the paperwork.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting this complaint after months of frustration dealing with Bank of America 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I received a credit offer from Seventh Avenue. I got behind on my payments and I faxed them a letter and mailed them a letter on the XXXX/XXXX/2015 requesting a repayment plan. As of today I have not received a letter from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-29 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: TX

Complaint narrative:
Navient continues to contact my co-signer and me several times per day at least 2 - 3 times a week. I have reported them to the XXXX as well as asked them to stop calling so often. They will even call from different numbers starting as early as XXXX. and " ending '' ( if you will ) as late as XXXX. I know that I 've been late but it appears that very often the late charges increase the pay-off so it 's difficult to get ahead. However, the harassment and constant phone calls must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 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: GA

Complaint narrative:
Navient purchased my loan from XXXX XXXX three years ago. When they completed the purchase and shortly after my loans were deferred due to being out of work. For one entire year they failed to inform me that the loan was no longer deferred according to their records. I was NOT informed of this. As a result, I was subjected to negative credit reporting which has ruined my chances of purchasing a home. I asked them to update due to their error in reporting and they refused.

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

Complaint narrative:
I am on automatic payment and every month my student loan is getting withdrawn by NAVIENT ( P.O. XXXX XXXX XXXX, PA XXXX, Tell : XXXX automatically. I keep getting letters of Payment Reminder stating this : the payment for the Navient student loan referenced above is at list 10 days past do. I am getting sick of receiving this EVERY month about my student loan! When I called and talk to the Navient customer ; service he was rude and they keep telling me OH we will fix that, BUT letters of harassments never STOP and I am SICK of it?!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
They have called me before XXXX, called my family member 's saying they are looking for a reference but its to collect a debt, and I asked them to send me in writting about my student loan. 

Last week I got a letter XXXX witj XXXX logo that my wages were going to be garnished. I called the number and it was the harassing Pioneer Credit Recovery. 

I said I thought this was to get caught up on my loan directly to the government not a debt collect and they put me on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied for a cash out refinance with Bank of America. Went through the entire process all the way to setting up a closing date. Ten days before we were to close the loan got denied because I have XXXX exemption on the property. BOA should have ask or known about this long before setting up a closing date. I would like a refund on the appraisal as the loan never should have gotten to the appraisal process. They had all tax info including my Federal returns that clearly show a loss or profit from farming, three weeks before the appraisal. If XXXX exemption is an automatic denial for a loan it should be XXXX of the first items asked or looked at. BOA was negligent and should never had went as far in the process of making me pay for an appraisal. The loan should have been denied in the first days of the process before the appraisal.

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 2017-01-19 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: NY

Complaint narrative:
Navient encouraged me to defer my loans. They are reporting late payments and will not remove them from my credit report, although I have never made ANY payments to my account. My loans are still deferred, 6 years later, due to unemployment. I have a XXXX credit score because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I filed extra charging complaint against Bank of America XXXX Bank of America refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Bank of America paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: OH

Complaint narrative:
I owe past fees on my student loan account with Navient ( XXXX ) in the amount of {$320.00}. I received instructions that I could submit a separate payment and designate the total to go to either the fees or the principal balance ( since this was a separate and extra monthly payment ). When I sent in the extra payment for the amount mentioned above, a portion of that payment went to satisfy the balance mentioned above and the rest went to interest ( about XXXX % of the payment ). When I called to request the payment to be re-allocated to the fees balance, I was told that this was not possible, that the interest needed to be satisfied first. I feel that I was mislead by the instruction initially given to me by Navient, by the Navient website for only mentioning that I owe the {$320.00} for the fees, and by the payment specialists not being able to satisfy my request. This was an extra payment that was submitted. The interest should apply to the next time I make my monthly payment. This feels like Navient is double dipping when I make extra payments to catch up to my outstanding balance ( in a good faith effort ). Everything I looked at that showed what remaining past due balance I had did not mention that a portion of my payment would go to interest. Had I known that, I would have adjusted my payment. That 's why I feel I was mislead. I 'm requesting that the portion that went to interest be re-allocated and fully applied to the past due fees balance. Thank you for any assistance you can provide.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient Continues to remove me from the income based repayment plan without notice. They change my monthly payments without email or written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Payment to acct not credited — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX I DEPOSITED A XXXX PARTY CHECK ( {$1900.00} ) ENDORSED TO ME BY MY CLIENT, AS A PAYDOWNTOWARD MY LINE OF CREDIT ( L.O.C. ). I DEPOSITED THIS IN PERSON AT THE ABOVE BRANCH. TELLER DIDNOT TELL ME THAT BANK DOES NOT ACCEPT 3rd PARTY CHECKS AS L.O.C. PAYMENTS. BANK REVERSEDTHIS WITHOUT A NOTIFICATION. I INQUIRED WITH THE BANK ABOUT THE REVERSAL. THEY SAID THATTHEY MAILED THIS CHECK TO ME. AFTER A WEEK OF NOT RECIEVING THE CHECK, I CALLED THEM. THEYSAID THEY DO N'T KNOW WHAT HAPPENED. THEY WILL STOP THAT CHECK AND ISSUE ONE TO ME. IASKED THEM TO JUST ELECTRONICALLY FUND MY CHECKING ACCOUNT ( TO REPLACE THAT CHECK ) SINCE THERE IS AN ISSUE WITH MAILING. WHAT THEY DID WAS ELECTRONICALLY WITHDREW MONEYOUT OF MY CHECING ACCT. TO PAY MY L.O.C. I TOLD THEM THAT I CAN NOT LEAVE MY BUSINESS TOCHASE A CLIENT FOR ANOTHER PAYMENT. IT WAS CHASE 'S MISTAKE AND THEY SHOULD REMEDY THEIRMISTAKE. THEY REFUSED. I HAVE TRIED TO RESOLVE THIS WITH CHASE 'S L.O.C. DEPT., BRANCHMANAGERS XXXX XXXX XXXX AND XXXX XXXX XXXX, AND THE ESCALATON TEAM ( XXXX XXXX XXXX. 
XXXX XXXX XXXX. I WAS GIVEN CASE # XXXX. I CALL THEM EVERYDAY TILL TODAY AND GETONLY 'THERE IS NOTHING WE CAN DO. WE DO N'T KNOW WHAT HAPPENED. WE DO N'T ACCEPT 3rdPARTY CHECKS. ' ALL REFUSE TO PUT ANTYTHING IN WRITING. SO I HAVE TO EXPLAIN MY ISSUEEVERYDAY TO THEM. 
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: NH

Complaint narrative:
my loan through Navient was cancelled I even have the tax paper to prove it and now they say they denied it. How can they do that. I am on XXXX and can not repay. I think they are harming me by putting this on my credit report and I do n't believe I owe any longer since they let me cancel it. This company is bogus. I would not recommend them to anyone. What can I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I 'm writing to file a complaint. The complaint is brought against the merchant ASHRO for harassment. Unfortunately, the items were returned due-to defect and fit : Credit Account : XXXX : item number ( XXXX ) CLPTRA DRESSES /XL, for total of XXXX dollars. The products were returned using company label. Costumer disputes the felonious charges billed to account. XXXX dollars, plus XXXX dollars late fee, followed by XXXX per/month dollar processing fee. I disagree with the charges. I returned the merchandise in a timely manner, but ASHRO continues to harass customer with obnoxious phone calls and threats to ruin my credit. I want the calls to stop. I will forward all records concerning the matter enclosed in complaint. Please be advised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 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: PA

Complaint narrative:
I have made repeated attempts to reapply for income-driven repayment plans in the past year while we have been XXXX. I submit the paperwork but receive no response and have been simply put on forbearance. Then payments start back up and I have to call again and go through the same process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 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: NV

Complaint narrative:
I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT

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