vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-25 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: MI

Complaint narrative:
hello I am having problems paying my bills after stepping down from being a XXXX back in XXXX of 2015 and have repeatedly told Navient ( which is a new name for XXXX XXXX ) this and even sent them pay stubs and bank statements I also pay child support XXXX a month and bring home XXXX a week I can not pay my bills on time with that I am struggling to make ends meet with that last month ( XXXX 2015 sent all my documents over to them they want me to pay XXXX a month for 15 months fine and dandy but I can not lose a pay check a month I want to repay these loans but I am not even to pay due to the amount and what I pay out a month pretty I am not physically able to pay anything and am afraid it I start paying I will lose my place of residence. I have been going back and forth with them for months now I have found the CFPB and I have a few days left to make a XXXX payment that I can not physically afford to do.. I need help bad I can pay XXXX easier I have told them this and they will not take into consideration that I have lowered my pay since XXXX of 2015 from XXXX to XXXX and hour please help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I submit a complaint yesterday as well. In short a garnishment was taken out of my account without me being notified at all from the law firm, so my account is currently negative. In addition to having all of my funds taken right out of my account I had a " legal processing fee '' for {$120.00} on my account causing it to go negative. My issue is that my bank should be protecting me and not dipping into my account and taking money that does not exist, and then attempting to charge me overdraft fees for them over drafting on my account. I have already expressed my concerns with the bank but this needs to be resolved immediately or I will be taking my service elsewhere. To me it seems like taking advantage of someone already in a poor financial situation and I will not stand for it. 

Aside from the legal service fee and my bank over drafting on my account I had been informed today that the funds had already been processed and removed from my account for the garnishment. I 've done a lot of research and know that legally I am supposed to have a 2 day period where my funds are frozen, which did not happen, it has not even been 24 hours. During this time period I am supposed to receive paperwork for possible exemptions from garnishment from my financial institution which I have not received. I check my mail daily and open everything I receive from my bank, including bank statements. I am fully convinced this is illegal, since they have n't taken the necessary steps required by my state to allow someone to garnish money from my bank account. I have contacted an attorney regarding this matter. 

This charge was not on my account for this processing fee until yesterday evening, whereas some of the transactions that are still processing were from the day prior. I also believe the charges were applied to my account incorrectly in an attempt to cause me to incur additional fees and thus for the bank to collect more money from me. 

I am filing this as a follow up complaint to exercise my rights as a consumer and to express my further concerns.

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 2016-10-28 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: FL

Complaint narrative:
I borrowed from then XXXX, now Navient, a total of about {$8000.00} in XXXX separate loans. This is on top of my federal loans that I currently had to put in to forbearance. The loans were all to cover on-campus housing expenses, transportation costs, and supplies for school. At the time, I had no other options and was forced to have my father co-sign on all XXXX loans. I do not feel I was properly prepared to take these loans out and did not anticipate how aggressive the repayment terms would be. I am now almost XXXX payments behind and have done voluntarily forbearance twice, with a significant fee, to prevent default. Navient frequently harasses both me and my father XXXX the co-signer XXXX numerous times during the day and even late at night. I currently work as a paramedic and my father as an elementary school principal. I have attempted to express what I can afford per month, which is less than what Navient wants. I have given them a complete financial review of all my expenses and they still claim that I have enough to afford my monthly payments. I have been berated and made to feel bad about borrowing the money, even times when the representative will say " It 's only {$8000.00}, why ca n't you pay this back? ". My credit has suffered due to my accounts with Navient. I am unable to refinance and can not seem to qualify for any consolidation programs. I feel like I am running out of options and Navient continues to bully both me and my co-signer. 

I obtained these loans while attending the University XXXX XXXX Florida between XX/XX/XXXX and XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: FL

Complaint narrative:
I attend XXXX that became XXXX school over the course of the years. While attending another school my payments were never frozen due to being in school. I was accumulating interest and my late fees were being reported late on my credit report. My school credits were n't accredited credits. I 've called Navient and was misinformed about repayments options. I 've emailed Navient to informed them that my school is closed and no longer operating

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a current pending RMA with Bank of America. As of XXXX XXXX, XXXX I was told it was still under review. However, BOA has notified their foreclosure attorney to schedule a foreclosure date. The attorney 's office was notified that I have a pending RMA and requested it be postponed until a decision is made. The attorney 's reply was " Please be advised that our client has not elected to postpone the pending foreclosure sale. '' When speaking with an attorney I may need to retain, I was advised that BOA is " dual tracking '' as prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Furthermore, I have learned that BOA was XXXX of the XXXX largest banks involved in a XXXX National Mortgage Settlement which restricted dual tracking, and I would like to report that they are apparently attempting to " dual track '' home owners again.

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 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The school I attended went out of business and I 'm receiving countless harassing phone calls on repaying this loan for a school that is no longer in existence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had over paid on a Bank of America credit card that I had done once before and transferred the over payment back into my checking electronically ( from B of A to B of A ) however B of A decided to charge me a cash advance fee and charges on my own money. I Called B of A and complained to where they finally refunded the fees and said to call in next time and make the adjustment manually to avoid the charge. Well it happened again, I called in being bounced around until she would make the correction. I checked my account and the overstatement was gone from my credit card but no deposit to my checking. Called again and this time the customer service rep. said that for some reason there was a check drafted instead of the direct deposit being made. She stated the records indicated that it was to be a direct deposit as I had said and commented how dumb it would be for me to request a check just to put it right back into the bank, also I commented on how I would never do that because USPS and does n't always deliver the mail and quite often we never receive it. She claims she put a stop payment on the ghost check and made a request for the electronic deposit and would have her supervisor call me on Monday for verification of the deposit. This call was on Friday and I watched all weekend long for the cancelled check to show in the mail and /or the deposit to my checking. Come Monday I checked again and still no cancelled check, no deposit and no call from any body. So I placed another call to B of A and asked for a supervisor. This lady was no help at all. now she says that it could take up to 5 to 15 days for me to get my money. This is the last straw. If I messed around and played games with their money I would be charged penalties, fees and interest.I am on social security and have n't received a descent increase for the cost of living in a long time. I now want to charge them interest and late fees and damages. I 'm at risk now on being late with a payment or two because of their greed. I have told each and every person that I spoke to that the call is being recorded just as they record me. I am seeking help in this matter urgently. 
The option below dosent cover my situation. It 's Checking and credit card issues XXXX XXXX vs Bank of America

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 2015-09-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
They call up to XXXX times a day, never leave messages. Start calling at XXXX till as late as XXXX at night. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I never signed, dor used any credit card from Bank of America as authorized user.

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 2016-08-01 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: MN

Complaint narrative:
Navient 's subsidiary company, Student Assistance Corporation, made unethical and unecessary calls to XXXX of my neighbors, daughter, and siste all on the same day thereby created fear and humiliation for my wife and family

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Navient is XXXX of my loan servicers and I have been experiencing issues outlined in the current lawsuit against them. They took over my loan in XXXX./XX/XX/2016. They received my loan in deferment status ( going to school ) and immediately started reporting I was 6 months behind on payments. Recently I was able to get them to place the loan in deferment only to be notified the next week that my deferment would end in two to three weeks. I have had nothing but problems with them distorting facts and " playing '' with my loan essentially making it impossible for me to be on the proper repayment plan. Due to them reporting my loan being in default by 6 months has destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: TN

Complaint narrative:
My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
During the financial crisis of 2008 I ran into problems and applied for a loan modification. I was accepted and received a lower rate for 5 years. 
After 5 years the rate increased by 1 % point per year. During those 5 years I never missed a payment. Each payment was on time. The increase of 1 % point per year has turned into a problem. The problem is that when I go to refinance no lender wants to touch the modified loan. 
I have been told that my situation is unusual in that I have made all the payments since the modification and lenders do not know what to do with the loan, therefore no one will bother refinancing me. I am at a crossroad an and looking for some guidance on what I may be able to do.

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: LA

Complaint narrative:
They are overcharging me. I ca n't get ahead. They are not helpful in any way. They will not work with me so that I can repay what I owe. Due to my financial circumstances and being a single mother it is already a struggle to repay and they will not budge or work with me. It 's ruining my life. The loan amount keeps increasing and I do n't know why. This is having a really negative impact on my credit which is hindering me from moving forward in my life in any way. I ca n't buy a house or finance anything at a reasonable rate. Help! I am also trying to further my education but without loans since I 've had such a horrible experience. Something has to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
On XX/XX/2016 I sent a letter to the creditor, which requested confirmation of information regarding the debt, originator, amount. On XX/XX/2016 I received this letter back from the XXXX, with a label " return to sender, unable to forward '' I have made several attempts to dispute this collection via collection bureau- XXXX XXXX I can not verify the debt, I can not contact the debt collection agency to verify the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a credit card holder at bank of america for a while, and I recently applied for joint co-ownership of a travel rewards credit card since XXXX 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since XXXX, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as it will also hit my credit score. So, I am stuck in a quagmire, having to call them persistently every single month, which is hectic and super frustrating. I wish they took serious action towards it and that 's why I decided to complain about the issue.

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 2016-09-15 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: CO

Complaint narrative:
I am trying to refinance my mortgage and was working on collecting information on my student loans. I was trying to gather information that included account numbers, monthly payment, and the remaining number of payments for each of my loans, but was unable to find all of the information on Navient 's website. I have XXXX outstanding loans and XXXX that is paid in full from XXXX different institutions. I tried gathering the information from the current Navient website, the old website, and my monthly statements, but was unable to get the individual account numbers or the payments remaining. Because I made an extra payment at some point in the past for many of my loans and have automatic debits set up, there was n't a quick view to get information on monthly payments for each of the loans. I wound up having to click on each individual loan, get the ( limited ) information I could, and then provide as much information as I could, which ended up being just the monthly payments. I was unable to find the individual account numbers for each of my loans ; Navient 's website numbers them XXXX-XXXX, but those are n't the account numbers used. I could n't find the months remaining on my loans anywhere, even though I spent more than half an hour clicking through various links. 

Luckily the credit union I 'm working with for the refinance was able to pull information for me once I 'd provided the basics, but Navient 's website is not consumer-friendly. The old website does a better job at putting most of the relevant information for individual loans into a readable format, but again, it requires way too much clicking to be convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I paid off my home loan with Bank Of America and they did n't pay me all my interest back.

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 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America Mortgage Loan Officer lied to pressure me to close the loan earlier than required. Further, the day before closing they increased the loan amount for no reason, which would have resulted in cash back I had not requested as well as a higher monthly payment over the life of the loan.

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