vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have my monthly payment on the loan ahead by 1 month for the past almost 6 years ... i wanted a buffer of at least 2 months ahead in case of an emergency where we could not pay. 
received a letter from the bank saying they applied my payment elsewhere. I do not receive my statements in a timely fashion and have complained 2 times. the document said check my statement to see where the payment was applied. ... i have a receipt for where I DEDICATED THE MONEY TO ... .UNDER MY CONTRACT I HAVE THE RIGHT TO PAY OFF EARLY ... there is NO STIPULATIONS on how it is done ... ..bank of america has broken our contract. When entering into a contract BOTH PARTIES MUST ABIDE BY THE TERMS SET ... .you can not change the rules to the GAME when the game is in process ... ..unless both parties agreed. ... ..

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 2016-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: TX

Complaint narrative:
The collector left a voicemail message on my husband 's phone, stating that the message was for another person ( stated the name ). She stated that she was attempting to reach me ( stated my name ), and to have me contact her. She gave her name and the name of her company, and what the debt was for. The caller was not authorized to contact anyone other than me about the debt, and is calling random people with the same last name in an attempt to reach me, but is disclosing confidential information that no one else should have knowledge of. I have retained the voicemail message for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC
State: VA

Complaint narrative:
My name is XXXX I am a rush card customer. I have not been able to touch my account for 9 days now. Money is missing on my account. They deactivated my card when I did n't need it to be. Then I have to pay XXXX to have a card shipped to me overnight and it still has n't been processed. Call CSR no answer or they hang up, message them no response. What else is there to do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16 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: MO

Complaint narrative:
I had issued a complaint before about not getting mail from Navent in XX/XX/XXXX XX/XX/XXXX and they have failed to contact me or allow me to speak to a person to resolve the same issue. Now the company is destroying my credit score and still can not provide someone to talk to, to even try to resolve the issue. The company did call twice while they knew I was at work and gave a return number to their automated machine that will not redirect your call to a person. I have been trying to call them every week on my days off to no avail during their posted hours of operation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 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: FL

Complaint narrative:
We have several issues. According to Navient we took out several parent plus loans for our Daughter through XXXX. We signed only for XXXX in the first year, but according to Navient, there were more loans taken out, including when she was not attending XXXX. We asked for copies of the loan documents and all we received were one page docs, with my name typed in. Also the amount of the loans ( not counting interest ) far exceeded her tuition by two years. When we asked XXXX for copies, we were told they could not release them ( after they asked us if we were attorneys ). We were given a Navient Fraud Hotline which tells us that it is temporarily unavailable and to call later and then disconnects. Lastly, our daughter is and has been on XXXX and supposedly has had her loans forgiven, which makes the amount that I owe even crazier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: WI

Complaint narrative:
My mother has been making payments under the Rate Deduction Program for 96 % principal and 4 % interest from XX/XX/XXXX- XX/XX/XXXX with Navient and I just recently received a statement in the mail for past payments and the rate reduction program was not applied to ANY of the payments made from my student loan for ANY year and for the first three years of interest only payments XX/XX/XXXX-XX/XX/XXXX. Recently, I also spoke to someone by the name of " XXXX '' and she verbally told me that I was not able to apply my payments the way I wish, that I was to pay off all the interest first before I could see any of the principal being payed off. I 've attached some documents of the past payments from XX/XX/XXXX to XX/XX/XXXX and someone by the name of XXXX XXXX that set up the Rate Reduction Program for the years XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX years ( however, it was set up for XX/XX/XXXX-XX/XX/XXXX ). I would like to know if I can join this lawsuit or if I need a lawyer on my own. I request some restitution for the payments on the student loan for these years and correct the previous payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX XXXX called from Navient on XXXX/XXXX/15 at XXXX XXXX, regarding a client, XXXX XXXX, who has an outstanding student loan. I know XXXX XXXX, however, but in no way associated with this loan. XXXX XXXX has contacted me on my cell phone, called members of my family and friends releasing confidential information about XXXX XXXX ' debt. He gave this contact number XXXX. I called him back, however, he refuses to answer his phone. At XXXX time, he picked up the receiver and placed it on the desk. I could hear voices talking on the phone. This has to stop and I will start with placing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX/XXXX/XXXX, I filed a CFPB complaint # XXXX concerning XXXX ( XXXX ) Chase credit card accounts. After going through Chase suggested " money counseling '' and provided the information they requested, the attached XXXX XXXX response resulted. ( copy attached ) Since that time, Chase has kept the account active by monthly reports to XXXX ( XXXX ) credit reporting bureaus '. Accounts ending in XXXX and XXXX were officially closed as a " Charge Off, : XXXX account in XX/XX/XXXX and the other XX/XX/XXXX. Chase eluded to the fact if the consumer agreed to follow Chase procedures, there would be no negative credit reporting. For example, using the term " Absorb. '' By reporting this negativity, Chase also failed to provide the consumer amble notice of any negative reporting to credit agencies. FCRA, ( 7 ) Negative Information : ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( Quoted from the XXXX XXXX FCRA edition ) In fact, the entire process requested by Chase was to avoid negative credit reporting. It must also be noted that the XXXX, mentioned in XXXX XXXX ' letter, has never received. Upon discovery of Chase recent actions, a letter dated XXXX XXXX, XXXX was sent to Chase Card Services Executive Offices which included a copy of their XXXX XXXX, XXXX letter. Within the XXXX XXXX, XXXX, was a request to correct the information Chase provided the credit reporting agencies. To this date, Chase has not replied.

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

Complaint narrative:
My loan is with Navient. I have been reenrolled multiple times into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 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: CA

Complaint narrative:
XX/XX/2012 I was offered a Special Direct Consolidation Loan opportunity with the US Dept of Ed for which I accepted. I was promised a lower interest rate with this consolidation which I was eager to do since my lowest loan had a rate below 2 %. However, this consolidation excluded these lower interest rate loans thereby not fulfilling the promise this US Dept of Ed consolidation offered stated here : How this benefits you : One servicer and one payment, rather than multiple bills and multiple payment addresses. 

Potential lower combined payment amount that 's based on a lower interest rate and the repayment plan selected. 

Up to 0.50 % interest rate reduction! Earn a 0.25 % reduction on the loans you consolidate and another 0.25 % rate reduction if you enroll in automatic debit. 

Lock in a lower fixed interest rate automatically on any of your loans with a variable interest rate. 

Same loan terms and conditions, including your eligibility for the same deferment and repayment relief options. 

Potential for Public Service Loan Forgiveness Program eligibility if you meet specific program requirements. 


Instead, the lower interest rate loans were kept at XXXX, only the higher rated loans were consolidated thereby making me have over {$30000.00} in interest in just 4 years after this consolidation. This offer has actually increased my interest due and NOT HELPED ME AT ALL. 

This is my complaint. Not sure why it was rejected before or why such little time is afforded to respond. Thank you for your help.

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 — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My student loan is currently being serviced by Navient. I currently pay {$200.00} dollars per month. The customer service representative has tried to steer me to making payments in excess of {$500.00} per month. Further, I do not know the formula they use for repayment. They ask me to show proof of what my salary is, but they do not take in account cost of living in the XXXX part of the country which is some of the most expensive in the nation. 
Not to mention, the incessant phone calls to my home, place of business and family members!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America mortgage complaint. 
I am having trouble dealing with Bank of America on a mortgage. There are XXXX issues. 
1. I want to do a deed in lieu but they are directing me to a refinance. they say i have to be reviewed for a refinance before they can look at a deed in lieu. 
2. I have submitted all of the required information but they keep requesting the same information that I have already submitted. 
These delays are preventing me from proceeding on disposal of my property

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
My daughter was XXXX and her medical bill was sent to collections because I could not afford the payments. The collection company put me on a payment plan of XXXX a month. I missed a payment a couple of times and always made up the payment the next month. When I received notification that I missed the bill it always showed a balance of XXXX which is the two months combined. When I called in to pay the bill they saw I missed last months payment and said I needed to pay the XXXX. After I made a double payment they always said my account was up to date and my next payment due was the following month. I missed three months but always made it up the next month. I received a letter in the mail 2 weeks after I made a payment that my account was in default. I called stating I did not understand that I always made it up and when I made my last payment XXXX/XXXX/16 that I was current until XXXX/XXXX/16. The representative told me I missed those 3 payments and now my account is about to be reported to my credit score unless I pay XXXX to make up the three payments I missed. I stated I made double payments and she said she recognized the double payments but they were never applied to the month missed I just made an additional payment. Now if I do n't pay XXXX or my full balance my account will be reported on my credit score. Not once was I ever told when I called in my account was about to be defaulted or that they were not making up that missed payment. I asked to speak to a manager and after I was placed on hold for 5 minutes the representative told me her manager would not be able to speak to me because he was stepping into a meeting and that he would just tell me the same thing. If this is happening to me it is happening to someone else. People are in collections for a reason and she be helped not taken advantage of.

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 2016-06-07 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: WA

Complaint narrative:
Submit a student loan complaint We 'll forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint. 




What happened? 
Desired resolution My information Product information 5.Review What happened [ Edit ] Describe what happened so we can understand the issue ... 
Navient has been calling me and mailing letters. Additionally a letter that indicated negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. Subsequently, my credit rating was good, but Navient damaged it only to intentionally prevent me from obtaining other loans. 


Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Dealing with my lender or servicer : Received bad information about my loan Desired resolution [ Edit ] What do you think would be a fair resolution to your issue? 
Navient forgive borrower and cosigner of all student loans due to the hardship that I had to endure and the difficult problems I have had with them. 
Navient repair credit scores which they reported to the credit bureau. 
Navient stop calling and harassing me day and night. 


My information [ Edit ] Contact information Mailing address XXXX XXXX WA XXXX United States Email XXXX Phone XXXX Age XXXX I am submitting on behalf of Myself Product information [ Edit ] Billing address is the same as mailing address. 

Account/Loan number or SSN XXXX Information about the company Navient Corporation Navient has been calling me and mailing letters. I also received a letter that indicates negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Subsequently, I tried to obtain additional education loans and also refinance my condo but Navient affected and damaged my credit ratings. I am retired, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I have had good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached their responses.

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 2015-06-11 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: FL

Complaint narrative:
I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Bank of America customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.

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 2016-04-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: KEYCORP
State: OH

Complaint narrative:
I have a general complaint about credit card soliciting where it says I have been pre-approved. This is suppose to mean I have already qualified based on my credit score, etc. This means they have enough information where they do not need to request any other credit information and thus hurt my score by inquiring through the credit agencies. Apparently this is not the case and it is very deceptive. I will not do business with any company that is deceptive. In fact, I will read them the riot act just as I did to Key Bank yesterday, Monday, XX/XX/XXXX

Company response to consumer: Closed with explanation