vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 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: NY

Complaint narrative:
I cosigned, against my better judgment, on my fiancs private student loan. He has been making on time payments, so I decided to try and get myself released as the cosigner. We have a baby and live in an older house and was recently tested positive for lead. I was trying to get approved for a mortgage, but the lead test has increased my urgency to move. This private loan is adding to my " debit '' that I pay/owe when I apply for a mortgage. We downloaded the release form from the Navient website. It required the form be completed, paystubs or W2 's be sent along with proof of graduation. All of the required information was sent. The requirements included XXXX consecutive on time payments of both the principle and interest. We waited a month and called the customer service line after not receiving any information. The rep told us we were denied based on not having XXXX consecutive on time payments. I asked what months were we late, because neither myself or the borrower were aware of us being late. We were transferred to XXXX reps and finally were told that we were late in XXXX XXXX and XXXX XXXX. The rep explained that his payments were due on the XXXX and you had up to XXXX days after that to make a payment. Those two months were not late but they were after the XXXX day mark. This is why I was denied being released from being a cosigner. I have an issue with this for XXXX reasons. First it does not say on line or in their release paperwork that you only have to pay up to XXXX days after the due date or you cant be released. It only says you have to make XXXX consecutive on time payments. Those XXXX months of payments were not late and they were on time. I feel that this is very misleading of them. Most companies have a 30 day grace period before something is considered late or before they add on late payments. My fianc took this loan out so that he could attend XXXX XXXX. He was never able to find a job in his field and none of his credits transfer to a XXXX college or university. He basically paid a lot of money for nothing. If he wanted to get his bachelors he would have to start all over again even though he has this degree from XXXX. Wasted time and money. And now this is hindering me being able to get a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America automatically withdrew {$100.00} @ month for nearly 7 years under their Borrowers Protection Plan AFTER making it free for the first 12 months. They sent me XXXX page of the hundreds my wife and I signed proving we signed this plan as if we requested it. Not true. We did not request this plan and were unaware of its cost until we received a notice recently canceling the automatic withdrawal BPP amount.

Company public response: Company 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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
In 1996 I attended a school called XXXX in XXXX, PA for XXXX. They advertised a MUCH higher salary for XXXX and charged me over {$40000.00} for the schooling. I could not find a job making enough money oto live off of and I had to go back to school. The school is closed now and I am still paying student loans due to the high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
For years I had a Bank of American credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Bank of America cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst BOA was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think BOA has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have filed a lawsuit against Bank of America XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 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: NJ

Complaint narrative:
I have student loans through Navient, formerly XXXX XXXX. I have been enrolled in the rate reduction program, due to the high level of student loans my parents had me take out in my name and difficulty paying them back. My parents have been separated for some time now, and both struggle to make a living. Rate Reduction has been very helpful. This week my grandmother ( Co-signer ) passed away. I had been in touch multiple times with Navient and dealt with a woman XXXX in the Rate reduction program. I went over financials, and everything, with XXXX who said that she would get it approved by her supervisor and be back in touch. This was over a month ago. My payment is supposed to be taken out on Tuesday, and I have attempted many times to get in touch to have this approved so I will not be taken out of the program. My issue is that this was supposed to be something taken care of over a month ago, then I come to find out this was never submitted for approval, and never addressed at all. I have never missed a payment in the rate reduction program, and without it I do not know where I would be so it is very important that I work with someone that can help me and not put their agenda before mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: MO

Complaint narrative:
This complaint is in regard to Bank of America.. Per previous complaint, Bank of America did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
For several months, a debt collection agency with caller ID ( XXXX ) XXXX and ( XXXX ) XXXX has been harassing me at my work number with constant calls over a debt collection for an employee that no longer works at my place of employment. Repeated notifications that the employee is no longer employed went unheeded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Briefly-2 issues 1 When we bought our house in XXXX Countrywide gave us a bait and switch that we fell for - they split the loan in two, the smaller portion was an interest only balloon loan- Bank of America took over our loan when Countrywde failed - this smaller portion of our mortgage has been coded by BoA as an equity loan - it was never an equity loan - but b/c of that designation as an equity loan they repeatedly rejected our eligibility for a modification - even though we were approved for a mod for the bigger loan following the great recession of XXXX when we lost our jobs XXXX It took BoA 5 and a half years to conclude that the only solution they will offer us is a capitalization program at 10 % which includes all back interest and fees that built up while our application was being delayed. Delayed for months and now years due to their negligence. For example, we received documents from BoA with erroneous information that must have been from someone else 's account. 

Since this 2nd mortgage was purchased at the same time as the 1st mortgage we desire that it be modified exactly the same as the 1st. We requested this at the very beginning but they told us to wait

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Navient is overcharging me in interest. I was told by a rep. that my interest is forgiven because I 'm on income based repayment loan. I asked them several times what can I do to lower my loans and interest. Unfortunately, they told me that there 's no way but to continue to make payments. I 'm a XXXX that recieveshe no government assistance and can barely survive. I need help please.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: AK

Complaint narrative:
I 'm filing a complaint against Navient. Several years ago, after taking over my loans from XXXX XXXX, Navient had me sending payments for my XXXX different Lon types to thrsame address. At some point after this began, the address for XXXX loan type was switched and I was never informed. I continued sending payments to the address I had originally received. Several months later, I was informed ( through XXXX XXXX ) that Navient had reported me delinquent on over XXXX individual loans- the loans connected to the account with the address change. When I called Navient to find out how to disput this ( I would have been a point t accept XXXX report of delinquent payments as at that time, I would send a single amount for the loan group ) the customer service representative I spoke with informed me that she alone received multiple calls about this same issue on a daily basis. I followed the steps that were outlined to me to have the information removed from my credit report. Navient denied me. I 've also had several payments returned to me without any clear explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: MO

Complaint narrative:
After reading an article that CFPB is suing Navient for giving inaccurate information, I decided I needed to file a complaint. Navient calculated my monthly payments incorrectly under my income-based plan. When I called to question them about it, they actually, RAISED my payment making it more difficult for me to pay. Instead of dealing with the issue of calculating the payment incorrectly, the customer service agent pushed me toward forbearance for a year, increasing the amount of interest on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I agreed to a loan modification on this equity loan which was to start XX/XX/XXXX 2015 with XXXX payments of {$170.00} on the XXXX of the month. I have completed XXXX payments on time only to receive in the mail the XXXX statement indicating the XXXX payment made on their posting account of XXXX/XXXX/15 has increased my previous balance and getting a loan modification has served no purpose other than to collect more funds from me. See attached documents. My understanding with the Bank of America resolution manager was that part of that payment was to go for the principal and part to interest as I inquired before even agreeing to this modification. Instead as you see on this statement they have described the loan modification amount as " cash receipts '' subtracted it from the previous balance of {$100000.00} XXXX which includes the real equity balance of {$98000.00} plus the past due amount of {$6700.00} XXXX then added on a finance charge of {$220.00} bringing it to {$10000000.00} which is more than the previous balance. This is their way of helping customers with a loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24 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:
There have been several difficult situations thatI have had with my loan provider XXXX/ Navient. 
The first of many situations with XXXX began after graduation. After the grace period for non-payment ended. I had a part time job that did not cover the entire loan payment of {$1700.00} a month. The only option I was given was to go into forbearance. I was force to go into forbearance several time due to the lack of job opportunities. When I finally received a full time job and I felt like I was ready to make some type of payment, I called XXXX to arrange a payment plan. I tried to consolidate my loans to try to get my interest rate reduce from the current 16 % it was at. I was told that I could not consolidate my loans because I had past my limit of times I could put my account into forbearance. For many years I was making payments on my loans that did n't even cover the amount of interest accrued that month alone. I was making {$1700.00} a month payments and my loan amounts just kept going up. My account double from the initial loan amount I initially graduated with, before I was able to come into a low interest program. Which at this point I was still paying off all the accrued interest. This program was when my account was under Navient. During the second year of this program my cosigner started the process of getting his home loan refinance. It was at that point that we noticed that for nearly two years Navient was reporting late payments every mouth to the credit bureau, effecting our credit scored. At that point I had called Navient to see why this was happening. I had my payments setup to automatically come out of the bank account ever month before the due date. I was then told that they were allocating my payments wrong and that since I had XXXX loans under my account, that the systems was not spreading out my payment to all XXXX accounts. It was a struggle to get them to send us a letter or statement that this error occurred so that we can have something to send to the credit be bureau. We were promised a letter for nearly three months stating the error they had made. Every week the I did n't receive a letter I would call my account rep and demand I get a letter. After the third week I was no longer able to get a hold of my account rep and the person who took over my account said that everything was fine and that there was no record of the error therefore he could not send letter. I was also never confirmed to me that if had accrued any late payment fees or penalties that they would we reversed. This past few months I had my interest rate go back up to 9 % on my XXXX loan because according to Navient my XXXX co-signers were making too much money. When in fact my co-signers were not in a position to help my make my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX AND XXXX ON BEHALF OF BANK OF AMERICA HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED BANK OF AMERICA TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN BANK OF AMERICA CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX COLLECTIONS HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF BANK OF AMERICA ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING BANK OF AMERICA FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT BANK OF AMERICA TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP

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 2016-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Very threatening and rude to me and my family about collecting a loan debt from me while I am still XXXX. They mail me and call me too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I went to XXXX XXXX for XXXX and being that I worked in the morning I went to evening classes. Only to find out there was only a teacher there to teach me 2 days out of the 5 day week. I 'll be thrown into the lower level classes to watch them do the SAME thing I just passed. It was n't fair! I feEl that school took my money for the loans and I do n't think I should pay that back. I started in XX/XX/XXXX and left in XX/XX/XXXX.

Company response to consumer: Closed with explanation