vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-12 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: NJ

Complaint narrative:
I had about XXXX in student loan debt with navient. I recently consolidated with the federal government on all loans except XXXX private loans totaling XXXX. Since it appeared my private loans were close to repayment, my monthly payments spiked drastically and I am not able to pay them on top of my consolidated loan payments with XXXX. My loan payments went from {$80.00} to {$400.00} after I consolidated. They wo n't stretch out my repayment term. When I tried to lower my payments, they said no. When I asked for a forbearance, they refused as well. They wo n't lower the interest, they wo n't do anything AT ALL. I have nearly {$1500.00} in student loan payments each month ( this is way bigger than my paycheck ). It is impossible for me to do ANYTHING right now, and Navient will refuse to work with me in any way. This is predatory lending! They are preying on low income students and offering no assistance. I am out of ideas, next move would be to get a lawyer and fight them in court ( precedent in XXXX and XXXX shows that consumers have beaten Navient and XXXX XXXX over similar issues ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have had a federal loan with XXXX ( now navient since 2016 ). Most of my payments have gone towards interest although I have been paying the loan for 10 years, with XXXX forbearances for less than 4 months each. To date, the loan is actually more than it was when I took it out. I 've been requesting an amortization of monthly payments which I have made and an ongoing balance from Navient for the past month by phone and have not been met with satisfaction. Navient says this information is available online, and it is not! They do not offer tech support to customers. 

How can I have paid so long for this loan and not even make a dent in it? I understand paying interest but surely by ten years in I should have paid more towards this loan. I 've benn on income based- for the past three years to get some relief .... 
I need answers and help! 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 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: NC

Complaint narrative:
On XX/XX/XXXX & XX/XX/XXXX, I was coaxed into signing XXXX in the amounts : {$5000.00} and {$9800.00} respectively. These ( XXXX ) student loans had an interest rate of 14.5 %. Repayment began the same day funds were disbursed directly to XXXX located in XXXX, NC. 
Between XX/XX/XXXX and XX/XX/XXXX, I made monthly payments totaling {$10000.00}. However, the initial balance increased over a 5-year period. I reluctantly transferred the ( XXXX ) XXXX in the amount of {$16000.00} to my credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: IA

Complaint narrative:
My mother had a Discover card, and she purchased the protection plan. She showed it to me when we were going through her records before she passed away. I helped her file a XXXX claim a few months before she died. My mother also told me that the protection plan had a death benefit : the balance would be covered if she died. After she passed I called Discover to inform them of her passing. They told me that she did not have this death benefit, even though they told my mom she did. I sent the death certificate in as requested and immediately received a letter stating the full balance was due immediately. My mom sold everything in the months prior to her death. She was battling XXXX and needed money for hospital expenses. I have consulted our estate attorney, but no progress yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
in XXXX i spoke to my mortgage company to try to ask for a deed in lieu of foreclosure. They would not speak to me about it and told me i would have to email a hardship letter. I did that, they never got back to me, so i called them. they told me they would not speak to me the property was in litigation, i should speak to my lawyer. on every statement i get it tells me i may call and speak to XXXX different people, which they will never speak to me, because again its in litigation. I called mu real estate lady and asked her if maybe we could try for a short sale. they would not speak to her either. in between i have called and called and never received any paperwork. they have my new address since XXXX. the last letter i emailed told them i never have gotten any paperwork and i do n't have a lawyer, so if anyone states they represent me its fraudulent, also that they have an incorrect address on the mortgage paperwork. also i had a bankruptcy several years ago that took away a home equity and XXXX mortgage with same company bank of america.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I attempted to file bankruptcy ( chapter XXXX ) in XX/XX/XXXX which did not go through. the property was foreclosed upon while I filed bankruptcy ( chapter XXXX ) in XX/XX/XXXX. The bankruptcy was finalized in XX/XX/XXXX, but my name remains on the title excluding me from refinancing my current home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was given a prepaid reward card in the amount of {$1500.00} from my employer from Bank of America. It had an expiration date of XXXX that i did not notice. On that date i had a balance remaining on the card of {$580.00}. I called BoA on XXXX/XXXX/15 to get a new card and was told that they could not renew the card but would send me a check for the balance and it would take 7 to 10 days to get a check. I have not received the check yet and i have made 4 additional phone calls to find out why. During one of the calls, i was told that the check department might not refund my money that was prepaid since the account expired! I consider this stealing my money! I have not been successful in elevating my complaint beyond the lowest level person that answers the phone when i call the number on the back of the card. They keep saying they will make another check request but they can not find out if my money will be refunded. This is totally inappropriate as it is money that was paid to me from my employer and BoA should not be allowed to keep the funds.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-23 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: AL

Complaint narrative:
Despite signing up for auto debit, which includes automatic forbearance while it is processed, Navient continues to call cosigner to collect payment. In XXXX 2016, each time I called customer service, I was transferred from department to department as my account is a " special collections '' account which has to be handled by a " special collections '' department. Twice when I called I was never able to be transferred to the correct department or associate. 

They refuse to conduct business via email, despite offering email on the website as a contact option. The " special collections '' department can only be accessed through a transfer by another representative. Additionally, in XXXX 2016, I requested multiple times when prompted by the phone reps to have my account removed from all phone contact. Yet they are still calling cosigner misrepresenting that I have made no payment arrangements. There had been issues with the misapplication of payments to the interest and principal of the loan, and I owed a much lower amount for XXXX and nothing for XXXX. 

I have previously requested forbearance due to unemployment and financial difficulty and they make you pay {$150.00} for 3 months of forbearance. I am waiting to see if they will charge the {$150.00} forbearance fee this time. I also wonder if every customer has to pay {$150.00} for forbearance. They have provided no information how they determine who has to pay the fee, and if they ever waive it for any customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I recently saw a new story and it mirrored my exact situation with Navient. I literally called yesterday trying to find a way to pay on my loan which has continued to climb and is now almost XXXX ... They have me on the forbearance plan when I am trying to get an income-driven plan to actually pay this down but I get XXXX luck with this at all. Then last night I saw this ( XXXX ) story and I needed to contact you to get on board with this. They told me if I am eligible for this " forbearance '' for 20 years that I would fall under the federal aid act and would wipe out my balance completely. Seems to me they are using people like myself as pawns to make a huge profit from our government in 15-20 years by killing consumers with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am getting the runaround from the holder of my FHA mortgage loan Bank of America. I experienced a true hardship about a year ago when I was laid off from my job. I began trying to reach out with Bank of America in order to apply for some type of assistance since I missed several mortgage payments. I was assigned to someone named XXXX XXXX who said she was going to help me get back on track. After going back and forth for many weeks I was told that my request was denied because I did not make enough money. I found this hard to believe, and went back through all of the paperwork. I then resubmitted all of the information again to Bank of America. After going back and forth for several weeks I was told once again that I was denied for help. However, this time I was told that I was denied because I made too much money? This did not make any sense, and led me to believe that Bank of America is not playing fair and is more interested in pushing me into foreclosure. I know that there are FHA programs available to help struggling homeowners. I was approved for a modification back in 2013 when my hours were cut at work. I was able to make my payments on this modification as agreed until I was laid off from my job. Now Bank of America is moving me into foreclosure. 

I have owned my home for 10 years. I have gone through many financial struggles which have caused me to periodically struggle with this loan and the payments. But I have always righted the ship and settled up and gotten back into good standing. At this time I am back working XXXX. I also have a live in girlfriend who is contributing 100 % of her monthly income from her job XXXX. If B of A were to conduct a current and correct assessment of our financial situation they would see that we fit into the guidelines for assistance. The problem is that it seems that their agents are intentionally obstructing the process and providing false and misleading information. 

The value of this home is far less than what is owed at this time. But I view this as my home, not as an investment and I want to fight to save it. I know that FHA has several different programs in place to help struggling homeowners and I believe that Bank of America is not following the rules and guidelines in this process.

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 2015-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a student loan with Bank of America ( XXXX ) that went into default. I rehabilitated the loan with the government satisfactorily. Bk of America ( XXXX ) and the credit bureaus refuse to update the status of the loan from stating " student loan permanently assigned to government ; Closed XXXX '' to reflect that it has been rehabilitated and paid successfully. Further the last time the account was active was XXXX of XXXX. Not only have we passed the statute of limitation for New York, we are approaching the 7 year threshold. This is very negatively affecting my credit and impacting my chances of securing a mortgage even though I took care of the default. They are fraudulently reporting the debt as active as of XXXX XXXX and XXXX XXXX. Lastly, they are reporting XXXX loans that I had with them more than once on my credit report. They are reporting the same loans under different names with the same account number. Loan # XXXX is being reported XXXX once under the name XXXX/B of A and account # XXXX for {$13000.00} and XXXX under the name Bk of America with account # XXXX for {$13000.00}. This is the loan that has been rehabilitated successfully and should only be reported once! Loan # XXXX is being reported XXXX under the name of XXXX/Bank of America with account # XXXX with a balance of {$600.00} and a XXXX reporting under the name BK of America account # XXXX and balance of {$600.00}. This should only be reported once! I have attached documentation to reflect this.

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

Complaint narrative:
This issue is in regards of my Navient account : # XXXX After checking and trying to balance my Student loan payment, The payments reported made to the capital do not match the total amount of the loan. 

As of XX/XX/2016 I consolidated the loan with the XXXX program available. However, the payment made to the capital was for : XXXX. 
If you add up the payments gone to the capital for every month since the re-payment of the loan, It Equals to {$3500.00}. 

The total amount of loans received is : {$18000.00} If you deduct {$3500.00} from the capital of {$18000.00}, the amount of the capital of the month by XX/XX/2016 should be : {$14000.00} All my federal student loans were subsidized and should not have accrued interest while I was in school, or in my 6 month grace period. 

I have paid since to date ( XX/XX/2016 ) interest of {$3800.00} + Capital of {$3500.00} ( = {$7400.00} ) yet my loan had only gone down {$1100.00}. 

I 'd like the CFPB to investigate Navient and my subsidize loans and audit my account to be re-adjusted with the capital I paid and the Interest I over paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: MA

Complaint narrative:
I have been making payments for my parent plus loan via Navient and utilizing my electronic bank payments to do so. It seems that my payments have been received, but distributed to payments upon my brother 's loan and my loan resulting in multiple late fees and issues with both loans. Upon calling Navient customer service to discuss this issue, I was informed that they would not speak to me about my loan because the loan was a parent plus loan and that they would then have to speak to my father. I explained that my name is too on the loan, as it was a loan taken out in my name for me to go to school with no such success to dispute this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 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: FL

Complaint narrative:
I have been paying my student loan taken from XXXX XXXX XXXX XXXX XXXX on a timely basis since my loan went into repayment. Subsequent to graduation, I began making interest payments while I was looking for a job. Every payment I have made has been credited only to interest and there has been no principal accrual. The only principal posting shows up after I complained to Navient. The 2015 XXXX shows an interest payment this year that calculates over 15 % interest instead of the 6.8 % shown on the note. They are sending me an explanation, but when I look at the ledger, there is nothing that can justify this kind of posting. I believe they are using a system that is stacked to cause students to pay a higher interest on these loans over the lifetime of the loan. It just does n't seem like a fair way to repay a loan and I feel they have taken advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a mortgage account with Bank Of America in which I open on XX/XX/XXXX. I have made every payment on time since the account was open in XX/XX/XXXX. In XX/XX/XXXX I filed for chapter XXXX bankruptcy with a lawyer in XXXX, PA. I then change my mind and had my lawyer to dismissed the chapter XXXX bankruptcy. The chapter XXXX bankruptcy was never implemented or went into bankruptcy court. The judge signed the chapter XXXX dismissal from the lawyer. Bank Of America should never have closed my account. The bank will not give favorable credit ratings to the XXXX credit reporting agencies. I have ask Bank Of America to correct my account and they said they will not. Bank of America send negative and inaccurate information about my account to the XXXX credit bureau on me and my wife although I 've paid every payment on time since XX/XX/XXXX. My wife and I have a XXXX ( low ) credit score because of Bank of America.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have opened an Equity Line of Credit with Bank of America about 2 years ago. I live in NJ, so the local laws state that the bank can not impose a prepayment penalty on any mortgage loan. When I was signing the HELOC contract the bank included a statement that if the line is closed within 3 years I would be subject to the prepayment penalty of {$450.00}. I questioned that statement and asked the officer to remove it but the closing officer told me that the bank has standard closing forms for all the states and it does not alter it for the individual states. However, when the issue arise they abide the local laws, so in NJ the prepayment penalty would not apply. I signed the contract without further insisting on changing that part. Recently, I negotiated a better mortgage rate and decided to refinance my mortgage. In the process, I did not have an option to keep my HELOC with BoA open, so it was required to be closed. As a result, BoA charged me {$450.00} of the prepayment penalty. I contacted BoA and explained that I 'm being penalized for refinancing my mortgage. I pointed out that in NJ the banks are not allowed to charge the prepayment penalties but in response the BoA representative told me that in their opinion the definition of mortgage loan in NJ law provides enough gray area that they do not feel the laws would apply to HELOC. I explained that HELOC meets a full definition of a mortgage loan:1. A loan secured by a lien on the property. 
2. The document specifying the terms and conditions of the repayment of such a loan. 
3. The repayment obligation associated with such a loan4. The lien on the property associated with such a loan. 
BoA has been avoiding my calls. I spoke with the branch manager but as he said " did not want to get involved '' and referred me to the central HELOC Department, which is the same Dept that has been refusing to refund the prepayment penalty they charged me. 
I will greatly appreciate your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 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: NY

Complaint narrative:
1. I had a forebearance at Navient for my student loan payment and they reported me to the credit bureaus as delinquent. 
2. Navient told me that all my forebearances, even those that were administrative in nature ( forebearances resulting from time Navient needed to reconfigure my monthly payment because my income had changed ), would count against the total forebearances I was allowed for my lifetime. I believe this is wrong.

Company response to consumer: Closed with explanation