vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 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: CA

Complaint narrative:
I requested income based repayment. I received a subsequent notice that my account was in deferment until XX/XX/XXXX16. Then on or about XXXX/XXXX/16, I received a notice that my payment of around {$460.00} was due on XXXX/XXXX/16. On XXXX/XXXX/16, I faxed a letter to Navient asking why the payment date changed, I received no notice and they did not consider my {$100.00} on another Navient managed loan or my exceptional health expenses. 

I received multiple responses from Navient indicated that they would respond within 10 days. I did not receive a response within 10 days. Rather on XXXX/XXXX/16, I received a notice that my payment was late and they were providing my notice of potential default. 

Essentially, Navient is disregarding my efforts to make payment arrangements, however they right on " the ball '' when it comes to ruining my credit. To make matters worse, they do not provide an email. The only way to communicate with them is to either fax them or call them. As an attorney, I avoid verbal communication at all cost because it always results in a he-said she-said.Of course they record it and use when it helps them, but when it does n't, they will deny the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Bank Of America and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.

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 2017-02-13 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: IN

Complaint narrative:
Since graduation I was not able to make payments. I was always pushed to deferment and forbearance without a clear explanation of my options. My debt almost doubled on many of my loans and I am now looking at an extra {$40000.00} that I need to pay off. They also did this with my private loans. Many times the company would wrongly allocate my payments which would lead to me being stuck on the phone with them trying to fix the issue. I was also contacted by collectors working under the name navient when XXXX of my private loans was about to default. They were very pushy and never offered help. Many times they just tried to collect whatever they could. Once when I tried to talk to them the gentleman hung up on me because I was n't able to pay what he wanted. I can barely afford my payments as is and without financial help from my parents there is no way I could. At the current rate I could have my loans payed off by 2115. Its ridiculous and seems impossible.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: MD

Complaint narrative:
I have XXXX private loans, initially thru XXXX XXXX, and now those loans are serviced by Navient.Since the loans became due ( XX/XX/XXXX ) monthly payments have been made.When the loans were serviced thru XXXX XXXX a lower interest rate was negotiated which helped lower the monthly payments for 1 year. Since Navient took over they will not work with me to lower the interest rates ( 6 % & 8.125 % ). Since XX/XX/XXXX, Navient has also allied the total monthly payment to interest on the loan with 8.125 % rate. When I contacted Navient I was told the payment were applied to capitalized interest. When I go back thru the history of the loan, 'capitalized interest ' has alway sheen a line item in the detail, but there is no line item in the history which states capitalized interest for {$3800.00}. To date, they have applied {$3500.00} to interest and {$0.00} to principal. The payment for the 6 % loan has always been applied to both principal & interest. I filed an initial complaint thru CFPB back in XX/XX/XXXX, and received a call from XXXX XXXX of Navient, returned his call 5 times but always got voicemail. On XX/XX/XXXX I spoke with XXXX at Navient Customer Service, and she said Navient would investigate and send a letter out with resolution. To date, no letter has been received. I also contacted the Maryland States Attorney General 's Office but they could not help and referred my correspondence to CFPB, which I have had no reply. With my {$280.00} Navient payment of XX/XX/XXXX, {$61.00} has been applied to principal and {$220.00} to interest. But there has been no correction or resolution to the {$3800.00} total payments applied only to interest. I am repaying these loans in good faith, and I want the appropriate portion applied to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.

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 2017-01-22 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: GA

Complaint narrative:
The interest keeps climbing and my lian amounts nearly doubled, which makes it merely impossible to pay my student loans. Im a single mother, and I barely make it day to day for basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I 'm in a high interest only loan with Bank of America and I am in the process of refinancing. When we called for a payoff they had late fees and inspection fees and a random fee of XXXX . I have sent in all bank statements to prove none of the fees are correct. XXXX XXXX said if I could get here my bank statements faxed to her she would take care of it by XXXX on XXXX/XXXX/2016 as I needed the payoff to close on my refinance. That never happened and I never received a return phone call as she promised and she will not answer my phone calls, So every time I call I get a different person who ca n't help and have put over 50 hours on the phone with them. My refi did n't happen and still has n't happened due to them not resolving this issue. They also reported me 30 days late for XXXX claiming I did n't pay XXXX. So now that is affecting me from being able to refi. I produced a letter asking that to be removed. In the meantime it 's causing a hardship to be held in the loan. This loan has increased and I can not afford it.

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 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have previously disputed my student loan due to the inaccuracy of debt amount being reported and the numerous debts too. I want validation and verification as to the amount in dispute and validation for the numerous multiple Navient loans which is being reported. I have not taken out this many loans ever. Please delete these account immediately as it is in accurate in amount along with the these accounts are being reported multiple times on all three of my credit reported. If for some reason the account is verified and validated, please send me the name of the person who provided the information and the method in which it was investigated. In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] "

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 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: MD

Complaint narrative:
I was granted a school loan and XXXX but was having difficulties finding a job related to my profession. I did n't have job stability and was barely able to keep up with everyday bills. I 'm at a stable financial position where I can now start paying back what was loaned

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to board the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.

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 2015-07-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XXXX I applied for a HARP loan through my lender, Bank of America. During the application I disclosed that I had a bankruptcy which was discharged. In the bankruptcy process I was unaware of a choice of reaffirming or not reaffirming my mortgage, even tho I did not include the mortgage in the bankruptcy. I advised the loan officer that no form existed and that I had first hand knowledge that some HARP loans get underwritten and closed even tho no reaffirmation form exists when the debtor has paid as agreed. The application went through processing. I was then denied based on the lack of the reaffirmation form. No exception could be made. 
I APPLIED FOR THE HARP LOAN TO REDUCE MY MONTHLY MORTGAGE PAYMENT. 
I WOULD NOT QUALIFY FOR A CONVENTIONAL LOAN BECAUSE I AM RETIRED, Yes retired from BANK OF AMERICA XXXX. 
I am writing because the HARP LOAN was designed to help people in my situation. 
I am asking for some intervention so that I can succeed at reducing my mortgage payment so that I can stay in my home that I built ( much of my own sweat ) many years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: MN

Complaint narrative:
To whom this may concern, I left school XX/XX/XXXX and have been on income based payment until XX/XX/XXXX which each year has been a challenge to gain income based payment plan. The reason I wanted income based was because my many other loans I had and also was not able to make my rent payment and other nassesities I had with such a high payment. Originally I was through XXXX XXXX and once moved to Naviant things have been very discouraging. I was set up on automatic payment and their systems would drop my card on file multiple times ( at least 4 times ) this would lead to collectors starting to call my consigner and then I would hear from my cosigner multiple moths later. This has effected by credit report because they say I have multiple late payments by XXXX and 120 days which also has effected me getting a mortgage XX/XX/XXXX. Still today I 'm in the process of sending multiple letters to the XXXX credit breuaus and each time Naviant has reported back to the breuau that information was correct. Dealing with Naviant is some of the most frustrating company I have ever experienced, every phone call I would make to fix an error on their end would be an hour phone call. One of my loans had a 9 % interest rate at a {$18000.00} balance, just paying the interest over the years would n't lower my original balance. Until recently I have a better job and have paid this off but still have a loan with Naviant today and have to call and make the payment over the phone because I ca n't trust them to set me up with automatic payment. If you file for a court action I have multiple examples and if you look into my account I 'm sure you will find abuse and we 'll as negligence on their end. As a consumer I feel helpless trying to argue with such a big company. The loan I have through Naviant is a private student loan which they treat very badly because they tell you I 'm under different rules than fed loans. I 've dumped tens or thousands of dollars to Naviant and hope there is something I can do to stop their poor practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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: PR

Complaint narrative:
I had the account with Navient, suddenly my account information ( name on the account ) was changed. I realized it when I got the documentation for filing taxes. I called Navient right away and they confirmed their mistake and assure me that it would be corrected before the tax day. As of today the information had not been corrected and now they are requiring a copy of my social security card. I refuse to send a copy of my card, now even more than ever after they made the mistakes of identities and placing me under a higher ID theft risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,

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 2016-02-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
In XXXX XXXX I obtained health care from XXXX XXXX XXXX through the market place which ended in XXXX XXXX. During that time I received services at XXXX XXXX XXXX XXXX XXXX In XXXX and I was billed for those services without notice. At the time I had medical insurance. In XXXX XXXX I spoke with XXXX XXXX. She explained that my medical bill was n't covered because XXXX XXXX is an out of network provider for XXXX XXXX XXXX. When I receive the services, I had no knowledge of that. They accepted me as a patient and told me that my insurance would cover my services. 

XXXX XXXX XXXX has XXXX different plans. XXXX is covered through XXXX and the other is n't. This is a common case for XXXX. Instead of correcting the matter, they offered to give me a discount on the bill. If I knew they did n't accept my insurance, I would 've never come to them. 

There should 've been additional questions asked to determine the type of insurance that I had given that this happens frequently with this particular medical provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: WA

Complaint narrative:
I received a student loan in XX/XX/2010 with XXXX XXXX, which was sold to the current company Navient. I 've been in contact with them every month while in school, however I checked my credit and it appears that they have been reporting late to credit bureaus. I also asked them if I can be placed on an income driven repayment plan and they said that was not an option. My loan was taken out for school, I had to verify my enrollment before receiving the loan from XXXX XXXX. After I graduated, Navient told me I must begin paying although I was not employed. I pleaded to receive a income repayment plan but to no avail.

Company response to consumer: Closed with explanation