vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My son has several student loans thru Navient ( formerly XXXX XXXX ) which I am a co-signer on several of his loans. I have paid on these loans for years b/c I always wanted to be able to pay for my kids education and in previous years he could n't afford to pay. We have been in a rate reduction plan the past couple of years with them and we have never missed a payment. This plan has to be approved each year. Since last year my sons salary has increased slightly by about {$10000.00}, but so has his expenses with a mortgage, car payment, and XXXX child XXXX XXXX ). My payments were {$520.00} per month. In renewing for this year Navient is asking him to pay {$980.00} month. His income did not double, his family is larger, his wife 's hours have been reduced. And they will not come off this rate per month or try to work with us. I feel like they do n't want you to pay them back sometimes. We have always paid and I 'm trying to pay them now and they do n't care. Seems odd that it would be this difficult to make payment arrangements when more student loans are being defaulted on everyday, more than ever before. Wish I had other options. We are a struggling XXXX family trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: WI

Complaint narrative:
My payment of {$430.00} was due on XXXX XXXX, which I paid on XXXX XXXX. {$180.00} was to be applied towards my federal loans, and the remaining {$240.00} was for my private loans ; however, my payment was misapplied and all {$430.00} was applied towards my private loans, making my federal loans appear late. I called Navient on XXXX XXXX to fix the situation. The representative I spoke with advised she was submitting a request to reapply my payments and the issue would be fixed by XXXX XXXX. 

It is XXXX XXXX and the problem still is not fixed. I have received letters stating my rewards benefits have been revoked because of my late payment, I am receiving phone calls because my account appears delinquent, and I am concerned this will negatively impact my credit report. 

I called twice on the evening of XXXX XXXX to further attempt to correct the issue. The first representative advised me I would need to speak to a supervisor to resolve the situation. After waiting on hold for nearly 20 minutes, the line went dead. When I called back, I spoke to a woman named XXXX who stated she was in the federal area and she could not assist me, but she would connect me with the area that handles private loans. She could not provide me with a direct number to contact the private loan area. After waiting on hold for another few minutes, I received a pre-recorded message that said my call could not be connected and I needed to call back during normal business hours. When I tried calling a third time, I received the same message advising to call back another time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-02 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:
Bank Of America is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My truck payment is due the XXXX of every month. Every month beginning on the XXXX ( if payment has not been received ) phone calls begin. Sometimes multiple calls back to back with as many as XXXX5 calls a day. Late fee is not incorporated till the XXXX. No voicemail, no call identification and no way to know who is calling. 

Finally, I answered and collector stated, " the bill is due on the XXXX and we start calling the XXXX day it is late. ". I responded, " so you guys just blow-up my phone all day everyday? ". She responded, by asking, " did you want to make a payment? ". At this point I had already submitted payment but has not cleared though the bank. I responded, " I already have. '' And she stated that she would make note on my acct. Not once was there a apology, a thank you, or even a degree of empathy in her voice. This woman could not have been more apathetic and rude. I am as of now seeking information on my rights. 

Sincerely, Extremely aggrevated client of 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 explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
on or around 2012. I noticed account on my XXXX and XXXX credit report that did n't belong to Bank of America account with a foreclosure status. Date open XXXX mortgage term of two years. I immediately disputed account as not mine. Credit report agency along with Bank of America refuse to remove this item from my credit report. I had never had to an bank of America mortgage. I 'm requesting and complaining that this account be removed from my credit report. I never signed any mortgage loan Bank of America has refused to send me documentation, because frankly there is n't any documentation showing that I a mortgage with Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Even though Navient set, mandatory monthly interest payments have been paid, my total repayment amount has increased due to massive interest increases. My repayment went from {$45000.00} to {$52000.00} in a year. How can this happen? I 'll never be able to have a life. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient calls me every hour - hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 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: CA

Complaint narrative:
I was set up on a financial assistance program in XXXX due to financial hardships due to changing jobs. I then found out that I was canceled due to the representative setting my payments up as an ACH transaction as opposed to a purchase. I received numerous collection calls after this was set up and this was the only way I knew that my account was changed from a positive to negative standing. I then called and spoke to a supervisor to get this set up again in XXXX. I come to find out today, 5-10, that I was cancelled per a rep. named XXXX. XXXX told me that " the head manager '' declined me, not because the financial assistance program was n't being followed, but because Navient changed their mind in determining my repayment ability. I asked XXXX for an email with some specifics so that I could later call back and speak to a manager but he said that " he was the one who dictated what could be communicated '' and what I wanted was not available in any form. XXXX was rude, intimidating and not helpful. I already paid money to Navient yet do not know what my account status is. I am very worried and concerned that my credit will be affected. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I just paid off a credit card from Bank of America on XXXX XXXX, it was due XXXX XXXX was surprised to receive an e-mail from them today telling me I owed them {$64.00} in interest. I am not upset, I just think that the credit card companies should emphasize on their statements that in order to payoff a credit card completely the consumer needs to call the company and get the calculated amount necessary to payoff the account. I do n't understand why the statement closing date and the payment due date are almost a month apart. It 's almost as if they want you on the hook forever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: VT

Complaint narrative:
I fell behind on my federal student loan as a co-signer. The servicer of the loan is Navient. All they offered me was forbearance. That was it. No income-based repayment. All of this transaction was recorded by Navient. I agreed to forbearance thinking that was my only option. What should I do to rectify this situation? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
The Bank of America allegedly took the part of a seller of debt credit without screening how appropriate its consumer base was when doing so. It was negligent in the screening and should be held accountable.

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 2016-10-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I always paid my Citi Card online and opted out of paper statements. About three weeks ago my online payment option was NOT available to me. It said " service not available '' when I clicked Payment option. I got a late fee XX/XX/XXXX and was due for another late fee in XX/XX/XXXX. I called CITI CARD at XXXX. I asked them to get rid of my late fee. They told me they had NO idea why my payment option did n't work. They refused. I said cancel the card. They bumped me to a manager. She also did n't waive my fee or assist me. Said I would have to call tech support. I said cancel my card and pass me to tech support. She was rude and cancelled my account. After she cancelled I refreshed my browser and all of a SUDDEN MY PAYMENT OPTION WORKED. I paid off my balance and the payment went through. I was SCAMMED by CITI CARD. It was a XXXX. I had the account for 7 years. I was scammed by CITI.

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 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: NC

Complaint narrative:
In 2009 I got married and changed my last name from XXXX to XXXX. I faced over my new license and marriage certificate over with my new last name, XXXX. When I began receiving statements my name was listed as XXXX, I have never been a XXXX. I called and spoke several times about my name being incorrect and nobody could figure out how my last name was changed. I was repeatedly told to fax over my information, which they should have had on file since I already faxed it over. They said the fax never came through ( each time I called I was told this ). I do n't understand how they were able to change my last name to something it never was. 7 years later it finally got changed. I also called to explore my options when I stopped working full time and had XXXX kids to care for, I was told I could put my loan in forbearance but was not given other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 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: OH

Complaint narrative:
We were told our lowest payment option was interest only payments, Which we have found out is not true. 
Our interest even after payments accrued every month. 
Payments were allocated to incorrect loans by Navient. 
We have contacted Navient several times only to be told there is nothing they can do. 
We also were told by a Navient individual that would work with us after defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I do not own this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C.
State: CA

Complaint narrative:
The insurance agency claims I owe the {$760.00} for a minor scratch ( not dent ) on a bumper. They sent a letter asking for money and stating, " Proof of damages will be provided upon request. '' When I wrote to them asking for them to provide proof of damages, they did not respond. Two years later, I get a letter and a phone call from Wilber & Associates, XXXX, Attorneys at Law. Again, I asked for proof of damage ( I have a photo that shows the bumper scratch ). W & A told me to pay or they would keep on contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 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: IL

Complaint narrative:
I have been trying for months to get this company Navient to backdate the posting dates of my checks. My bank has faxed them the front and back of every check sent from XXXX XXXX XXXX for the entire year of 2015. These checks are stamped on the back by the XXXX Treasury. Navient sees the date on the front of the check, the date stamped by the XXXX Treasury on the back of the check, and yet posts my check days later. They keep reaching out to their financial department with the advice like the bank should only send XXXX big check instead of XXXX individual ones for XXXX different loans. When I do this, I get the same posting late problems. The associate backdated my check right away as recently as last month. I have had some associates backdate some checks and others are more reluctant. I know this is a huge compliance issue because I am being charged daily interest. These discrepancies concern the majority of my payments ; as much as XXXX percent. When you multiply my daily interest by thousands of other customers who are paying through bill pay like me ; it is an issue. I have been informed by my bank ; XXXX XXXX XXXX ; that they are directed under contract by Navient to only send paper checks, thus setting me and thousands of customers like me up for failure. I tried to send my payment through their website with the very first payment and Navient said they do n't know why it was unsuccessful. They have a record of this. When a company asks for proof of payment and the bank faxes proof, why ca n't they fix this? I have paid more than the required payment every month, yet they sent me a letter about if I need financial help and want to go into forbearance! What is wrong with this company? To add insult to injury they have taken away some kind of credit for not paying my loans on time! Is anyone out their paying attention? This is unethical, not to mention illegal. Think about daily interest times thousands of customers. This is fraud and needs to be addressed by a good lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: NY

Complaint narrative:
I was never contacted about this debt, and I have just begun looking into my credit reports and this seems to be on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 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:
Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I lost my job during the Great Recession and stopped making payments on my credit cards so that I could continue paying my mortgage. XXXX of my credit cards was with Bank of America. I stopped making payments in XXXX, and in XXXX B of A charged off the debt. In XXXX, I received a XXXX form from B of A showing the charge-off amount with interest and fees. I filed the XXXX with my XXXX federal tax return, claiming the charge-off as income. In XXXX XXXX ( which is 6 years and 11 months from the date of my last payment ), B of A changed the status of this charged off account to active/due, and added interest and fees to the debt ( XXXX more years ' worth, presumably representing interest from XXXX to XXXX ). I called BofA XXXX XXXX. and explained that the debt was charged off and I received a XXXX in XXXX, and thus the account is no longer active but should reflect a charge-off and zero balance due. The agent told me that they can still legally collect on this debt because they never received a payment from me, and that I should speak to a tax professional regarding the fact that I already declared it as income in XXXX. I contacted a credit repair bureau and they told me this is untrue and that I should call back and speak to a manager. I need help. How many Great Recession consumers experienced this, and how many previously charged-off debts is BofA reinstating as active & due suddenly, right at the time when these items should be falling off our credit reports via the " 7 year '' rule?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 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: MO

Complaint narrative:
On XXXX XXXX, 2015, I was informed by the CFPB " The company was unable to respond to my complaint because of pending litigation about the same issues raised in the complaint. No further action will be taken on the complaint. '' At this time I am submitting a new complaint to reassert the issue presented in complaint number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: PA

Complaint narrative:
I have tried to hsve my payments lowered multiple times but was steered towards forbearance and given no other repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XX/XX/XXXX we had fallen XXXX months past due with our mortgage. BOA said we are here to help you. While all along they have been giving us the run around and trying to foreclose on our home. They would not take any more payments even though we were only behind on XXXX payments at the time and suggested that we get a lawyer because they were not going to take any less than what was owed. We have been trying to work with them on a loan modification from XX/XX/XXXX till XX/XX/XXXX. We have been tossed around from multiple customer relationship managers. Some in which were very rude and ignorant and would not keep us up to date as to what was going on with our case or even return our call. At one point in our case they said that there was a code put on our account and that they could give us any information. However we are the ones that have the mortgage with them. They had supposedly qualified us for a special forbearance program however neglected to tell us the details of the forbearance and kept sharing our information on our account with a lawyer that we had fired months ago. Now they keep saying we do n't qualify for anything because we never signed and sent the special forbearance in. Well I guess not when they never contacted us with the details while all along communicating with the wrong lawyer. And not speaking the correct lawyer. Now they are forcing us out of our home because they refuse to work with us. The government has programs put in place for people that need help. And from every law firm that we have talked to we qualify for something because we have suffered threw a hardship. This has put a tremendous strain and suffering on our family. Bank Of America says they are here to help while all along they give you the run around and force you out of your home instead of working with.

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