vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to Sallie Mae -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and Sallie Mae would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

Sallie mae told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to XXXX XXXX XXXX -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with Sallie Mae they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with Sallie Mae I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure Sallie Mae is not the only company that does not offer income based repayments Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 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 graduated with my XXXX degree in 2009. I began to repay my student loan. A company called Navient, XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX, called me and stated that they can lower my monthly payments and also put me in the Loan Forgiveness since I am a XXXX. After doing this the Federal Loan Servicing began to send me letters that I was late on my payments. I pay everyone on the XXXX of every month since that is when I get pay. They misrepresented themselves to me by telling me that they where going to help me. I paid them a fee and I still did not get what they promised me. I would like to get my money back. I have to pay late fees because they used to send the payment to XXXX late. Also my school is under review and is closed. I tried to enroll with XXXX and they told me that my XXXX degree was no good for them. Please advise and, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX of 2013, Bank of America indicated that the only way they would assist with a refinance on our mortgage was if we stopped making payments.This was repeated multiple times by multiple people at the bank - no assistance without evidence of financial hardship. They indicated that after applying through the TARP program and ceasing to make payments, it would take 3-4 months to renegotiate the loans. THREE YEARS later, we have just received an offer on the second loan, that is substantially above market rate and is nothing more than a 15 year amortization of the original loan. After the initial TARP submission, Bank of America Immediately sold the loan to a different servicer, requiring that we start over and resubmit the first mortgage application. They refused to consider a submission on the second loan until the first loan was negotiated. Re-doing the entire process with XXXX ( the new servicer ) took over 6 months. Once the trial period was over on that loan, we submitted the EXACT completed application that had successfully gone through underwriting at XXXX to Bank Of America. During the process, they lost paperwork, refused to believe they had paperwork, even when said paperwork was pointed out to them, showing on their own website, repeatedly closed the application for non-response, after taking 28 days to ask for the information, then closing the application 24 hours later, in some cases when the requested information had been uploaded to them days before they acknowledged receipt. Every time we approached a decision, they would come up with an entirely new set of issues and we actually had to submit a total of three applications prior to them offering a trial payment. The trial payment was offered with NO disclosure of terms whatsoever. We made the required XXXX trial payments, them made 6 more payments as it took the NINE MONTHS to generate loan documents. At this point, they have ruined our credit - still submitting to the credit agencies that we have not made one on time payment, when in fact we have made nine timely payments.

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 2016-04-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
I have my home loan through the Bank of America. The bank had been reviewing my account for several months for a workout plan. During this time, Bank of America continued to give me the run around and made negative reports on my credit report while they had my loan under mortgage assistance review. I have obtained mortgage assistance, but my credit is severely damaged because of the negative reporting. I would like for the bank to at least show no report or remove the negative marks during their time of review. They would not accept partial payments so therefore I could not make any payments when my account fell behind. I still have my home and am making payments on time. This can be viewed on my credit report.

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 2016-05-01 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: OK

Complaint narrative:
I began repaying loans to XXXX/Navient XX/XX/2009. When the payment was too much for my beginning salary, the only option that was provided to me was an interest only payment for two years. I accepted a XXXX/mo interest only payment. Two years later I contacted because my loan payment returned to the original rate which nearly doubled my payment. Again, I was told that interest only payments were the only option, now for three years. After 5 years of paying XXXX in interest only payments, believing it was the only option, I am told by a Navient representative that I could have modified the terms of my loan, lowing the interest rate and extending my terms. Now I am paying XXXX/month with payments going to interest and principal. Because they did not inform me about the modification option, they have received an extra 60 months of interest payment without my principle reducing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 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: MD

Complaint narrative:
I have already graduated from school. I have been dealing with the crook practices of Sallie Mae/XXXX since I have graduated. We have already contacted our local news station and after that they were willing to work with me. However, the person I have been talking with these past 3 years is moving positions and I had to return to calling the XXXX number for them for the rate reduction plan. Basically they are very unwilling to work with getting the payment to a manageable one based on my income, basically leaving me penniless between expenses and their payment, which would eat up the entirety of one of my bi-weekly paychecks. I expressed concern, bringing up possibility of emergencies for an example and they were extremely uncaring and did not want to budge. I am not unwilling to pay them, I understand that but they need to work with customers. I have had nothing but issues with them since 2011, even then they were threatening me and insulting my intelligence, basically calling me an XXXX, by one of their managers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: UT

Complaint narrative:
Debt collector " IC Systems '' sent a letter dated XXXX XXXX, 2017 notifying my daughter XXXX XXXX that she owes {$93.00} on a medical bill. IC Systems is collecting on behalf of XXXX XXXX. XXXX left XXXX XXXX 2017 to XXXX for 18 months and is out of state. 

ON XXXX XXXX, 2017 I called XXXX XXXX and confirmed that the debt had been paid. I then called IC Systems. 
I was very concerned that while XXXX was gone for 18 months that her credit remained in good standing. I told the representative that I was inquiring about why they sent the letter. The representative told me that if I was n't XXXX they could n't tell me anything. I told her that I was XXXX 's father and her legal representative while she was out of state on a 18 month XXXX. The representative became hostile and rude, and insisted that even though I was acting in good faith and was XXXX 's legal representative, she could not confirm the debt collection information or reassure me that the debt had indeed be paid off according to the Doctor 's office. I told her that I thought her actions were not right and that if her company sends a debt collection notice, when the legal representative calls to inquire, the debt collection agency has an obligation to confirm the debt amount, if owing. She insisted she could not, I told her I would then call the FTC and file a complaint. She said " Go ahead ''.

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 2017-01-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have files several complaints nd have not Been answered in a satisfactory manner by Wells fargo. Pls call me At XXXX. I have sent them transaction records and a copy of all bank statements to Wells fargo and Thy found XXXX errors but Did nothing To correct them. If I. Any find help from your organisation then I will need To take them To court again. I took them To court in XX/XX/XXXX and XXXX never followed The court judgement. Thy have Also never called me and apparently now XXXX have put mh house in dore l'osier as of XX/XX/XXXX with out dvising me. Thy have dfidThe court judgement a and I dont understand How XXXX can legally do this when I took them To court and won. I Will Also be in contact with The judge on my case. Wells fargo go es you a reaponse that rhey think you want To here and never take Care of The questions on hand. Pls call me At XXXX so we can discuss. XXXX have failed To report and apply all of my payments which have Been made on Time. 

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 2015-10-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This is my second complaint regarding an issue with Bank of America. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding BOA 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a BOA agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against BOA, which I should not have to do. At this point I am looking at BOA as if they are furthering the fraud that put me in this position to begin with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I Called Navient early last year, and let them know my situation abut repayment. They told me that I did not qualify for a forbearance because i had already done it 3 time and was n't allowed to do it anymore. Then, they told me in order to get any help with repayment, I had to be past due at least 3 months. When that happened, they were able to adjust my interest rate down to 3 % for 1 year, which i thought was fantastic. But what i did n't realize was that after the 1 year had passed that my interest rate was going to be higher than it ever was at 9.5 % and it was going to keep getting higher each month after. They have no explanation as to why they did this. All of my private loans are currently set at 9.75 %. I feel as though something else can be done as I will never be able to pay more than minimum at this rate and it will take me longer than ever to repay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX XXXX make a claim with the Consumer Financial Protection Bureau ( CFPB ) that the following attached attempt to collect a debt is highly fraudulent. My personal information is being floated in what is known in the debt collection business as a " debt Pool '', whereas collection information is outdated and not even enforceable. The attached collection from XXXX XXXX, XXXX does not state that the debt is no longer enforceable, a stipulation by the Federal Trade Commission. The method of an illegal posting of a collection on my personal credit report, or an illegal collection against my rights of the Fair Debt Collection Practices Act can not be tolerated. In Federal Trade Commission v. XXXX XXXX XXXX, XXXX ( 2009 ) the federal district court decided in favor of the Federal Trade Commission that a collection agency must operate within strict guidelines in the collection of a debt. The criteria are as follows : 1 ) The debt must still be enforceable within the state of procurement or where the original obligator resides, or a combination of both. 
2 ) The debt collector must be licensed and bonded if applicable within the state in which it is trying to collect, if the debt is collectable. 
3 ) The validation of debt ownership must be proved, without exception. 
There is no statement on the attached collection that the debt is no longer enforceable. The collection agency stipulates that Bank of America obtained a judgment against me. By legal mandate, the docket number of the judgment must be listed as well as what county clerk 's office the judgment is filed with. In this case, there is no judgment. The statement saying " This judgment may be forwarded to an attorney for execution '' is a complete falsehood. There can not be a lawsuit as the legal time limit to enforce a summary judgment action has passed. 
Even though the collection letter states that illegal, abusive, deceptive and unfair debt collections are illegal, this collection in its entirety is just that, a deceptive illegal attempt to collect a debt that is no longer enforceable. 
I demand that all my information be purged immediately by XXXX XXXX, XXXX and Bank of America, and that the Consumer Financial Protection Bureau ( CFPB ) take the necessary steps to sanction both companies for using such abusive collection tactics.

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 2016-06-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I acquired a student loan with AES ( American Education Services ) for my daughter in 2008. 
She attended XXXX XXXX XXXX University and graduated with a XXXX XXXX in XXXX XXXX. The original loan was in the amount of {$25000.00}, upon checking on the balance on this loan I still owe {$16000.00}, I have always made my payments on time, the statement shows that {$13000.00} has gone towards interest and only {$9000.00} towards the principal. I requested some leniency towards paying this loan in full as my husband is XXXX yrs old and still working to help make ends meet, I work as a XXXX and XXXX, our daughter works as a XXXX and has a son and is a single mom. AES denied my request for a payoff and informed me that the payoff is the {$16000.00} on the statement. All of our banking accounts are with XXXX XXXX ( checking acct., credit cards, XXXX savings accts for grand-children ) and I see that the owner/guarantor on the student loan is XXXX. When I emailed XXXX about a personal loan to with the possibility of refinancing the student loan I was informed that my request ( again ) could not be fulfilled as XXXX XXXX does not do personal loans. I feel like I am not getting anywhere with this issue and thought that AES would give some leniency due to the fact that I have always paid on time and because of our ages. I am very disappointed with AES and XXXX XXXX.

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: CO

Complaint narrative:
I have attempted to contact Navient multiple times to change the amount I pay each month regarding my school loans. XX/XX/2016 I took a paycut of about {$20000.00} in income. Since then I have been struggling to make my payment each month and since I am on a income based payment plan I have tried to update my income with Navient. Each time I call in the say they will send an email with instructions on how and where to adjust my income. The email I receive does not show me where I should go on their website and takes me in loops when I follow the instructions provided in the email. Therefore, I have been late on other bills and payments to other institutions since my school loans are pulled automatically and I ca n't afford the amount I pay each month. Contacting Navient has resulted in the same email with no help from whomever I speak on the phone with. I have given up on trying to contact Navient and am attempting to struggle through each month. 

I also have difficulty understanding the amount I am being asked to repay. When I have called in to Navient, the customer service reps have been unable to explain why different loans have different rates. I feel as if the people working with Navient are not versed in the basic information I need to answer the questions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I have been paying on my loans since XXXX and I am being told that I am unable to get cosigner release. Also I am unable to refinance my private student loans because of unsatisfactory credit ratings. My cosigner is unable to help me pay as he is in XXXX. In my promissory note it mentions that " auto default '' is possible if my cosigner passes away. I am currently on a 3 % interest rate reduction program and though the payments are high it is more manageable than the principal & interest or entire balance being due. Please help as the Navient representatives are not helpful at all in keeping my payments and loan account in good standing.

Company response to consumer: Closed with explanation