vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX XXXX steered me into forbearance after I graduated and in a year added {$50000.00} to my debt total. I was not given any other options like income based repayment. I was working at a XXXX XXXX at the time making {$XXXX} an hour and they said my only option was a {$150.00} forbearance that would buy me 3 months with no payments. I had no other option as my monthly bills were over {$700.00} for the student loans and I could not afford that. I joined the military to help pay down my student loan debt but have n't made progress because of the insane amount of debt that accumulated thanks to the forbearance strategy XXXX XXXX steered me into. I have since been given a check because they fraudulently did not award me a lower interest rate as a result of my military service and I have found they tried to capitalize my interest early while I was in XXXX XXXX. I have absolutely no faith in XXXX XXXX or Navient as they are called now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23 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: MA

Complaint narrative:
For the past year, I have been unable to make extra payments online. Whenever I try to make an extra payment, I receive an " error - payment could not be processed '' message ... every single time. In order to make an extra payment, I need to navigate to an option that allows me to use the old version of the website, and then I am able to pay an extra payment. Navigating to the old website is not easy to do, no where does it say you can still do this ( I stumbled upon the option by accident ), and this error has been happening for several months and is clearly an attempt to stop people from paying their loans ahead of schedule.

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: PA

Complaint narrative:
I have been dealing with Navient for many years now. Since the beginning I have had trouble getting in touch with them and was given wrong information. My loan has went up {$3000.00} since I consolidated with Navient. I have not even made a dent on paying any of it off. The interest rate has gone up as well. I have been trying to use the plan where it is based off of what you make, but even when using that, the principal has not lowered at all and it has been at least 3 years. I feel like I am never going to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I am cosigner for my mother 's Navient private school loans. My mother has been trying to work with Navient to pay her loans in a way she can afford, but they only want to work with me at this point because they know I have a decent income and they say I am " equally responsible ''. I have been talking with Navient for about 10 months now and have not been able to work out our issues. I am hoping you will be able to help me. 

My major issue is that Navient has my name on XXXX separate private loans that they claim I cosigned for, yet XXXX of the promissory notes does not have my signature on it ( loan is for {$7000.00}, but final charge was {$7200.00} as seen in the paperwork ). The other XXXX loans DO have my signature and I understand that I am responsible for them, but I will not agree to pay on the {$7000.00} loan until they provide me copies of documents that I actually signed. Navient assures me that they have a signed document on file, however they have sent us XXXX copies of the " master promissory notes '' ( XXXX to myself and XXXX to my mother ) and there is no signature on that document in each packet. I keep calling back and requesting to speak to the department that sends out the documents, but am told that department does answer phones or speak to customers. Seems strange!! 

I am willing to work out a settlement with Navient and they have agreed to a 65 % settlement of the XXXX loans combined, but I do not want to agree to that until I am positive that I truly signed the promissory note for the {$7000.00}. I am really looking to get my name released from the {$7000.00} loan that I never actually agreed to and will make a settlement on the remaining debt. I have only attached the unsigned promissory note, but can certainly provide you with all XXXX of the promissory notes they have sent me if you should need them. 

I do not seem to be getting anywhere with Navient at this point and am requesting your assistance in this matter. I am a responsible person, am well educate, have paid back all of my own school loans in entirety and I am willing to pay back a reasonable settlement on behalf of my mother. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I went to Bank of America to cash a check. 
Which is a check issued by the CLERK OR THE SUPERIOR COURT XXXX TRUSTEE ACCOUNT. in the amount of {$10000.00} The check was issued in my name XXXX XXXX on XX/XX/2016 at around XXXX. 
I was told to wait 3 hours to cash the check at any Bank of America. 
I went to BOA at # XXXX XXXX XXXX, XXXX, CT XXXX Telephone number XXXX A person by the name of XXXX ( I believe ) told me they did not have that much money. I asked when I could cash it then and he told me it takes 2 to 3 business days for a check like this to be cashed. 
However, I was told that I could open an account and deposit the check in the account!!! 
1 ) What upset me the most was the rude answer from this person XXXX or whatever his name was. I could probably have agreed if I had been treated better, but the disrespect, the lack of explanation, and telling me that I can not cash a check and have to wait 2-3 days for them to have this amount of money together!?!? 
That is disrespectful and offensive. Now tomorrow I have to come late to work because some employee did not want to do his job.

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 2016-06-27 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have not requested or authorized XXXX XXXX XXXX or XXXX XXXX XXXX credit to make any inquiries into my credit file

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 2017-01-18 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:
In XXXX 2012 I put my loans into forebearance due to financial hardships for 3 months. Navient failed to complete the forebearance on their end and after 3 months my loan was reported as severely delinquent to the credit bureaus. To add insult to injury, instead of just XXXX 90 day delinquency, they submitted XXXX! ( Apparently even though I make just XXXX payment, they consider it to be XXXX separate loans I have with them ). I wrote to them asking for removal of all XXXX from my record or at least XXXX of them as my credit went from mid XXXX to below XXXX, all my credit card limits were reduced to whatever my balance was which in turn lowered my credit even more as now I had several maxed out cards, where prior to that, I had at least XXXX to XXXX dollars in available credit on all of the cards. My appeal was rejected and it has taken the last 4 years to build my credit back up. I was not able to qualify for a mortgage because of that fiasco.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I called my lender, Navient, because my interest only program was up and my payments shot up. I was on maternity leave and could not afford it. I called and they said that because of my billing cycle they could not process it for that month. I paid for my last month of forbearance and called when they told me to change back into the program. I called back to enroll and though the agent confirmed enrollment I was not enrolled. I called back to get it straightened out and was told I never made the request. I pointed out that they record calls and all of a sudden they find my request but it is again not timely. I spoke to XXXX different people ( finally spoke to someone not in a foreign county ) and they said they can not process it till the next month. They refuse to fix their mistake and when I finally have them process it they say it will not process to the month XXXX people just told me of but the month after that. Fraudulent statements by several people. One mistake I could understand but this is not the case. They are purposely making it so that I can not make my payments to try and collect the entire loan from my cosigner. Impossible that a company has no oversight or ability to correct their own mistakes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is my SECOND complain about Bank of America. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Bank of America. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled " WHEN THE LOAN-TO-VALUE RATIO REACHES 78 % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that 78 % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Bank of America and their employers who stilling money from hard working people. I will never stop complaining until bank of America return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Bank Of America abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.

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 2017-03-02 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: MD

Complaint narrative:
ON XXXX XXXX 2016 I WAS CONTACTED BY NAVIENT VIA EMAIL TO HAVE MY LOAN PUT IN FORBEARANCE. I RESPONDED TO THIS EMAIL WITH A YES AS INSTRUCTED. I RECEIVED AN EMAIL ON THE XXXX OF XXXX 2016 STATING MY LOAN AND ALL OTHER LOANS HANDLED BY NAVIENT WOULD BE PLACED IN FORBEARANCE UNTIL XXXX 2016. ON XXXX XXXX 2016 XXXX OF MY XXXX LOANS WERE SENT TO DEPT OF EDU IN DEFAULT AND ON XXXX XXXX 2016 AN ADDITIONAL XXXX LOANS WERE SENT AS WELL. THIS PUT ME IN TAX OFFSET AND MY ENTIRE TAX RETURN WAS TAKEN TO REPAY A LOAN THAT I WAS NOT IN DEFAULT WITH AT THIS TIME. I HAVE DOCUMENTATION TO SUPPORT MY CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 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 am currently a customer with Bank of America and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Bank of America charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Bank of America charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Bank of America customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Bank of America is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.

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 2016-06-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
In XXXX of XXXX, at XXXX Years old, I started my 18 month program at XXXX XXXX. I was eligible for a certain amount of federal loans, and XXXX told me I could pay the rest of the amount monthly as I attended. In XXXX of XXXX, they called me into the financial office and told me their policy was changing and I needed to take the rest of the amount of tuition owed out in a loan through XXXX. In the 14 months I had been in school, I had paid approximately {$5600.00} directly to XXXX and had never missed a payment. The amount of the loan was {$1500.00} and was at 12.25 % interest to cover the rest of the money I owed directly to XXXX XXXX! All of this,5 months shy of my " Graduation '' date. I graduated in XXXX of XXXX with the debt of my {$1500.00} XXXX XXXX XXXX along with {$6100.00} in Subsidized Stafford Loans and {$8000.00} in Unsubsidized Stafford Loans ( {$14000.00} Total in Stafford Loans ). I did have a job, but it only paid {$23000.00} a year. It took me until XXXX XXXX, XXXX to pay off the {$1500.00} XXXX XXXX XXXX and due to not finding the " Job of my dreams '' and ending up with below market pay until recently, I always had a hard time paying my student loans and STILL owe {$16000.00} ... ... {$2100.00} MORE than my original loans! In XXXX of XXXX, I was able to refinance my loans, but after it was still hard to pay. To date, I 've paid {$9200.00} for my loans, with a projected payoff date of XXXX XXXX ... .23 years and 11 months after my " Graduation '' with a degree that is n't worth the paper its printed on. My credits were never and never will be able to transfer ANYWHERE! If all goes according to the monthly payment schedule, I 'll pay another {$18000.00}. My bogus XXXX XXXX that I was sold was supposed to cost {$21000.00}. By XXXX of XXXX, when I 'm XXXX years old, it will have costed me over {$33000.00}!!! I have other negative experiences with XXXX from their sales tactics during my enrollment that should have been a dead giveaway of what I was getting into, but I was too naive and had already paid them money for my application and placement tests and did n't want to give that up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX 2011, I was granted a loan modification on my mortgage with Bank of America. In the time since, I have paid my mortgage in accordance with that modification. Last month, I received a XXXX XXXX package with documents on Bank of America Home Loan letterhead and a cover letter stating that there was an error in the format of the documents and they were unable to be recorded at the county recorder 's office. The letter goes on to say that a representative from XXXX XXXX would meet me at my home to instruct me on signing the papers and notarizing them. I did not sign the paperwork. 
Last week, I came home to find a gentleman sitting in a car in front of my home. He said he was with XXXX XXXX. He handed me a letter which instructed me to call XXXX XXXX to schedule a time for a representative to come to my home. He then proceeded to take pictures of my home, and to ask me if I wanted to have a notary visit my home. I told him no and asked him to leave. 
I receive calls daily from an XXXX number. When I answer, no one speaks. I checked the number of the web and forums have shown that it is XXXX XXXX. They never leave a message, and never speak when I answer their calls. 
I am VERY concerned. I personally had my paperwork notarized back in 2011. I have not been able to reach anyone at Bank of America who can tell me what is going on. And given that it is now XXXX years later, I find it very hard to believe that it has taken Bank of America this long to determine that the mortgage was not recorded with the county. 
I feel that either this is an attempt by XXXX Services to get personal information or somehow execute a fraud -- or Bank of America is trying to backtrack on something that they have done illegally. At any rate, I 'm feeling very uncomfortable with the entire situation, and even more so now that someone has shown up at my home. 
Any assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: GA

Complaint narrative:
I called Navient back in XXXX XXXX and informed them to activate my loans so I could file for Income-Based Repayment and start repaying. They informed me that it would take six months for my loans to become active. It is XXXX XXXX, and my loans are still inactive. According to the website, my loans wo n't be active until XXXX. I feel as if I have been mislead and Navient purposefully left my loans inactive such that they could continue to accrue daily interest.

Company response to consumer: Closed with explanation