vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Navient has been tasked with my loan consolidation. I started receiving many threatening phone calls back in XXXX when I was out of school. They were not nice calls and many threats were made. I was going through financial hardship including a 9 year long custody battle, another divorce, and soon thereafter a bankruptcy. 
I was able to place my other loans ( I thought all of them ) into deferment/forbearance while I was dealing with my personal issues and was expecting the consolidated loans to be deferred as well. I 'm not contesting the loan, I just needed time to get financially stable before starting repayment. 
As job prospects were not what I hoped for, I decided to go back to school starting XXXX XXXX. I filed the necessary paperwork for in-school deferment. I received notice that my loans were in in-school deferment. I thought everything was fine. 
I am still in school and expect to be finished some time between XXXX and XXXX XXXX. 
I recently reviewed my credit report and the loans serviced through Navient are now showing up. They were not there before! It seemed as though everything was in deferment, but now they are not and while trying to get my life back together, finish school and rebuild my credit, Navient is causing issues. 
Again, I am not contesting the loans. I just want them to be placed in in-school deferment so I can focus on school and not have to worry about dealing with Navient until I finish my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
in 2010 i obtained a harp mortgage from bank of america since modification i paid the mortgage every month on time after the first year i received a letter sTATING I AM ELIGABLE FOR A XXXX XXXX DOLLAR CREDIT SINCE MDIFICATION I WAS BEING REPORTED TO THE CREDIT BUREAU AS DELINQUENT THIS RUINED MY CREDIT SCORE i tried unsucesssfully to rectify this error speaking to several people at bank of america without any success what can be done

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
They will not tell me what the debt is. They call several times a day even though I told them my husband is unable to talk. ( He has XXXX ). They never sent anything in the mail explaining what this was about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's fraud department notified me on XXXX XXXX regarding potential fraud on the american express portion of my Macy 's card. This was removed from my account in a timely manner. On the Macy 's portion of the card, they did not review for fraud but I found the fraudulent charges on the same day. Since my initial paper work for this fraud, I have had to call monthly to get this cleared from my account. As of today, it has not been removed.

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 2015-08-24 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: GA

Complaint narrative:
I have been charged over {$1400.00} by bank of America in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a " recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Bank of America to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation BOA decided to change with no notice to me, and now will not change back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-11 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: DC

Complaint narrative:
I was overdrawn by {$150.00} in one Bank of America account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-20 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: PA

Complaint narrative:
My XXXX debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
XXXX XXXX processed a loan for me and my parent. In order to approve the loan they elected to process the request with me as only the student but not as a co-borrower or student borrower. This loan request was illegally processed and they have ignored and/or denied repeated requests to correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.

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 2017-01-31 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: OH

Complaint narrative:
Hello, I have a Private Student Loan through Navient. I am paying XXXX dollars a month at a high interest rate. I have tried repeatedly to lower my monthly payment and they have been no help at all. They advertise monthly income rates, and have not allowed me to apply. I feel that the information they have given my family has been vague and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.

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 2015-09-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: IL

Complaint narrative:
AES is a fraud, XXXX XXXX claims that I am lying but she has never contacted me by phone only send these generic letters. I am well aware of the status of my loans therefore I did not need AES to put that information on my letters. AES reps on the last 5 calls I recorded, they never notified me that my calls will be recorded which they are suppose to do but I have recorded proof of this. AES claims I ca n't record their calls but they ca n't record me without my permission. What AES is doing is illegal and I have had several AES supervisors with bad attitudes. I have advised several of them that I will not tolerate their ignorance and then I was hung up on. I have proof of everything I am saying because I have recorded numerous calls which is proof of their business practices. AES has not proven that NCT still owns this debt, I only received a promissory note with XXXX XXXX XXXX and nothing with the ownership of NCT which is required in the state of Illinois to collect on this debt and this information was confirmed by a consumer rights attorney, Without any proof that NCT still owns this debt of today, then no one can collect on this debt per my state. Since NCT ca n't prove they still own this debt then the entire balance has to be forgiven or a reasonable pay plan has to be set up. AES and NCT are in this fraud together. I will keep complaining until my credit is restored and these loans are taken off my credit report except for loan XXXX which is cosigned. Per the state of Illinois, NCT must have up to date proof they still own this debt, THAT IS THE LAW. AES has never given me proof that NCT still owns this debt which is requirement under the FDCPA and FCRA which NCT must follow since they are 3rd party student loan debt buyer. I do not see anywhere that shows NCT owns this debt as of today 's date and if they are unable to produce this proof, all negative marks will need to be removed by federal law plus all loans except # XXXX will need to be forgiven. I have the legal right to a validation of debt that shows when NCT bought this debt. AES never provided me with that information which I have been asking for awhile but was told to look at my promissory note which only has XXXX XXXX XXXX on it and no one else. AES should clearly understand what the laws are and what kind of debt they are collecting on. All negative marks need to be removed because I do not have any up to date that NCT currently owns this debt as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I started paying my students loans ( total balance $ XXXX-interest rate 7.125 % ) in 2008 upon graduating with a XXXX degree. I have paid {$14000.00} since 2008, with {$10000.00} towards interest and {$3500.00} towards principal balance. My loans were sold a couple times, ending with American Education Services ( AES ) as my most recent loan provider. I have had multiple conversations with AES over the years regarding public service loan forgiveness and Title 1 loan forgiveness. I am employed as a XXXX in an urban district. I was advised MULTIPLE times that I was on track for both loan forgiveness programs, with the AES representatives even stating the number of remaining payments I have left to reach 120 payments for public service loan forgiveness. Come to find out during a recent conversation with AES, that my loans are NOT eligible for forgiveness despite their advisement on multiple occasions that they are eligible. Essentially, they have been collecting my money and putting the majority of it towards interest and claiming I am halfway to forgiveness, only to find out that money is going towards nothing and I need to refinance my loans into a direct loan to be forgiven and need to restart the 120 payments. I feel misled and ill advised by professionals who should be helping me to pay off my student loans, rather than feed their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: CO

Complaint narrative:
I have a small private student loan with American Education Services with XXXX. 
My loan is in good standing and I make regular payments well above the minimum and have an auto-debit feature for increased payments. 
On XXXX XXXX, 2016 I entered XXXX. 
On XXXX XXXX, 2016, AES processed an automatic enrollment in a deferment without my knowledge and against my best interest since I was at least a XXXX student. 
I immediately protested on the very next day and asked for the deferment to be removed since I intended to make payments regardless of my status as a student as is my right. 
An agent of AES contacted me via email and claimed that it was in my best interest to have the loan in deferment, since the loan was subsidized and I would not pay interest. 
I responded immediately via email that the loan was not subsidized and a deferment was not in my best interest because not only would the interest accrue but I would lose the rate reductions in place on my automatic payments and the loan interest rate itself would rise because they charged more during deferment periods than payment periods. 
The agent claimed that was not true but they could process a removal of the deferment. 
I responded via email to reverse the deferment, it was not in my best interest. 
Another agent responded via email that I was in fact right, and they could reverse the deferment and put my loan status and payments back as they were, but they would not accept any more email communication and they would not correct the loan status until I write them another communication via post. 
The loan is small, the rate is small, and the interest charged in violation is small, so It would not be in my best interest to escalate to the point of damages, but these agents have fiduciary responsibilities to service accounts in the person 's best interest and can not change the considerations to the agreement to best fit their bottom line especially when a violation like this is immediately caught, protested, and a request to return to a payment status is made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
Well I graduated from XXXX XXXX XXXX XXXX XXXX XXXX, MD back in XXXX XXXX. But after I graduated from XXXX XXXX, I was told by a Collection Agency as well as the XXXX that I owed the school {$5300.00}. The XXXX XXXX XXXX financial aid department stated when I arrived to my last semester before graduating that they had all students sign this form stating that from the year XX/XX/XXXX -XX/XX/XXXX, that the students did not have the initial funds to continue their XXXX XXXX degree. Therefore, multiple temp credits were released to cover the expense. But my question to the financial aid department and to XXXX XXXX was if we as students did not have enough money to proceed with the XXXX program why were n't we informed before proceeding with this 2 year degree? Some one in the finance department had to have known right? This did not even include the actual government loan that was generated. I owe the government XXXX in back money for going to the XXXX XXXX XXXX for graduating with an XXXX Degree. Also, The school did not help me with job placement in my field of study nor am I working in my field of study. I tried many of times to contact someone in reference to my issues with XXXX XXXX. But Unfortunately, I was unsuccessful in my efforts of beating this issue. I tried seeing if my credits were transferrable, but they were not due to the college that it was illustrated by all students across XXXX. ( Note : The XXXX XXXX XXXX stated that the temp credits were to assist in fronting money for all students who could not afford their education, they tacked this so-called credit on to students and now the institution claims they did not do this action any longer. Well if they did do this from the very beginning of my college courses, then what was the purpose of the governments FASFA program that all students applied for and where did the FA money go?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: TX

Complaint narrative:
Hello, I consolidated my loans through DOE and XXXX 's XXXX, most recently in 2009. I also enrolled in the Income-Based Repayment Plan and submitted an Employer Certification Form. This moved my loans from DOE/XXXX/XXXX to PHEAA/FedLoans. I am applying for the National Institutes of Health Loan Repayment Program, and I need the completed Master Promissory Note including the application pages 1 and 2. Since I applied online, all I got was pages 3-10. However, PHEAA does not seem to have the forms, since the consolidation technically occurred through XXXX XXXX. Since XXXX XXXX is now defunct, there is no one there to call to get the record of the consolidation. I will not qualify for the NIH LRP if I ca n't show that all the loans that went into the consolidation were eligible loans, and thus I need a copy of the application. I 've tried talking to the NIH LRP, PHEAA, and StudentLoans.gov, all to no avail. I was hoping you could help me locate these missing pages of the consolidation application, so that I can continue my NIH LRP application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: AK

Complaint narrative:
I believe this company AES is not acting in my best interest. I went to XXXX College in XXXX and XXXX College in XXXX. I have been struggling since I left college with just my XXXX degree, I asked this AES company for help at the most desperate time of my life and feel as though they took advantage of my situation by altering my original balance and adding unjustified fees to balloon my balance. As of today I am still struggling, but I have paid this company {$17000.00} since leaving college in 2010 with an original balance of {$22000.00} and this company AES has ballooned my balance to {$31000.00}. My attempts to contact this company by phone to complain are met by absurd wait times that I can not meet, yet this company AES has no problem sending me automated phone calls anytime I am late to pay and spamming my e-mail with do-not-reply e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: FL

Complaint narrative:
I have received conflicting information from countless representatives as to how payments I have made are applied to the XXXX program I am enrolled in. My problem stems from the fact that I pay a higher monthly payment than is due under an XXXX. I receive funds from my job to repay my student loans and that money must be used up within the year it is received which requires I pay more than the monthly XXXX payment. No one has properly explained to me how my payments apply towards my loan forgiveness when my account is in a " Paid Ahead '' status. I am concerned that I am not receiving proper credit towards my XXXX payment quota. I have made countless requests to be removed from " Paid Ahead '' status to avoid any further confusion. My most recent statement shows I am still paid ahead. I have also made numerous requests for an itemized record of all my payments made since FedLoan Servicing has serviced my loan that have been applied XXXX. To date, I have not received that information. Finally, after I complained about the application of my payments to XXXX XXXX XXXX XXXX, I received a letter dated XXXX/XXXX/XXXX taking away some of the payments I had received credit for in an XXXX/XXXX/XXXX letter without any explanation as why and how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
The XXXX company have tried to enforce a fraudulent agree ... .I have paid over {$220000.00} on my loan of {$170000.00} ... .I kept my promise an did not Breach the Contract as was done by Suntrust and charge me a very higher interest rate. My hands in clean and will need more protection from these greedy lenders. " " '' HOW CAN THEY ENFORCE AN ILLEGAL CONTRACT TO STEAL OUR HOME? " " '' IS THIS A SCAM ON THE AMERICAN PEOPLE?

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