vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 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: TX

Complaint narrative:
I called Navient Student Loans to ask for a lower payment plan because they keep raising my monthly payment amount. I was told the only way that I could qualify for a reduction in my payment was if I completed a verbal financial statement. I gave the Agent my information and she rudely cut me off saying I did n't have any disposable income and then said she was going to put me on hold to check my credit. After a fairly long wait, she returned to the line and asked what other student loan companies I was paying. I told her XXXX XXXX XXXX XXXX and XXXX. She told me that she did not see the names of those loan companies on my credit. I told told the agent that I did not give her permission to check my credit and she responded with the statement that she did not need my permission to check my credit. I told her she did and she cut me off saying that the names I gave her were not on my credit. I told the Agent that XXXX was XXXX Bank and XXXX is XXXX XXXX XXXX XXXX XXXX. The Agent 's story then changed. She claimed that she saw those companies on my credit but, that they showed the loans in forbearance. I reassured her that I was paying the companies monthly and she then demanded that I send in copies of my banking statements to prove I was making payments. I told the agent that I was not sending my banking information but, I could send in the monthly statements from the lenders. The agent then said I was asking for help and since I was refusing to send in my banking statements, she was going to put on my account that there was nothing they could do for me. I feel like there is something unethical and illegal going on with this company. I am trying to communicate with them and pay my student loan. All I asked the company for is relief on the monthly payments and I was yelled at by an agent who checked my credit without my permission. Navient should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XXXX, my former husband and I purchased a house together. At some point, the mortgage was transferred to Bank of America. In XXXX, we went through a non-contested divorce, and he agreed and the court confirmed that he would assume responsibility for the mortgage. At the time of the divorce, I contacted Bank of America and requested separation paperwork which I filled out, signed and submitted. Evidently, my former husband did not fill out his portion of the paperwork. I followed up with him and was made to understand that my name was off the mortgage. A few months ago, I signed up for online banking through Bank of America, because my XXXX rewards card had been transferred to them. I discovered the mortgage was still listed in my name as well as his. I contacted my former husband and he told me he was working on refinancing the house. I also called the mortgage division of Bank of America and asked what I needed to do to get my name of the mortgage. I was treated in a very rude and condescending way. The representative said, " I do n't care what the court says. It does n't matter ... .You are responsible for the loan! '' My ex-husband assured me that the refinancing process was underway. Then a few days ago, I received an email from Bank of America indicating that I was in danger of defaulting on the loan and threatening that my credit rating was in danger. I again contacted Bank of America and explained the situation. While this representative was a bit kinder, she again said that it was up to me to cover the loan or that the activity would be turned over to the credit agencies. I contacted my ex-husband and it turned out that as part of the refinancing process ... two payments had been made on the final mortgage payment to Bank of America and they had applied both to the principal instead of to the payment. So it was their own mistake which resulted in the call and the contact. Their choices resulted in a huge degree of stress and fear for me. And they blamed me for it. Fortunately, the refinancing is complete and the account will be closed in two days. But their insensitivity and lack of coordination resulted in a great deal of anxiety for me. I pity former spouses who do not have good relationships with their ex husbands and ex wives. I 'm not sure why court orders do not apply to financial institutions or what measures divorced people must go to to enforce those decisions, but I am very unhappy with the way I was treated by 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 2017-02-07 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: OH

Complaint narrative:
I signed up for the XXXX for persons who work in non-profit back in XX/XX/XXXX. I was told that after XXXX years of repayment loans would be forgiven. I went back to school in XX/XX/XXXX and Navient put me on deferment without asking me if I wanted a deferment. I DID NOT! Now my XXXX for non profit has to start all over again. I have been working for a XXXX museum since XX/XX/XXXX. What can I do about this??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is holding me liable for a credit card debt from XXXX or XXXX. I have contacted this company and provided several documents to show that I never received a card to my residence which I have been residing almost 20 years nor did I apply, had no knowledge. I had never seen the application until filing a complaint. I have proven that a card was n't sent to my address. I have provided my signature as it does not match the one on their application. I stated about having a fraud alert on my credit report and indicated they did not contact me before granting credit. They claim they did @ at a number that I have never had. Then they claim something in reference to a XXXX account. I have attached the letter from XXXX financial indicating that the account did not belong to me. I sent this information to XXXX XXXX XXXX via email and called but did not receive a response. I should not have to turn to legal representation but I refuse to be liable for a debt in which I am not responsible for. I called and gave this company, Bank of America my address in which they never had. Bank America also submitted this debt to IRS as a charge off and they are charging me for a debt in which I never had any affiliation with. They also indicated about payments, I never paid this company nor authorizrd any payments.I have no reason to continuously go through this back and forth if I were n't being honest. I will suggest to Bank of America 's corporate office, they should obtain the party that is applying identification so they will have this on file as a more positive id of who is applying. This situation is stressful and ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
Currently I have multiple private student loans through Navient ( formerly XXXX XXXX ) totaling {$52000.00}. These loans were taken out over the course of the years XX/XX/XXXX and XX/XX/XXXX for my XXXX degree. I have never missed a payment and my student loans have recently come out of deferment ( for the second time ) since I graduated with my XXXX XXXX. I have called twice and requested that they work with me to lower my monthly payment, which is currently {$380.00}. I do not qualify for IBR. I have twice been told that the only way to get assistance would be to default on my loans. I do not want to default on my loans because I value my credit and my mother is my co-signer. My mother is currently unable to offer any financial assistance. Navient has told me that there are no other options and my monthly payment can not be lowered or extended in any way. I believe XXXX/Navient was predatory in the issuing of these loans to begin with and now they are unwilling to make any changes until I 've destroyed my credit. I have looked into refinancing through another company but so far have met little success due to the requirement of a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Syndicated Office Systems/Central Financial Control is attempting to collect Medical Dept for {$270.00}, which was not covered by Medical insurance at that time from XXXX 2014. Already paid {$950.00} out of {$1200.00} to XXXX XXXX XXXX Hospital which is part of TENET Health Systems. Collection Agency CENTRAL FINANCIAL CONTROL posted collection information to Credit Report Agencies negatively impacting me badly. Now my credit score is in XXXX 's. It was in the XXXX earlier and now I I am badly affected when I am attempting to get a mortgage to buy a home. They are also causing difficulty by contacting me 2-3 times daily on our cell phone number.

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 2015-07-06 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell

Company public response: Company 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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My name is XXXX XXXX I have been asking navient for a better monthly payment. The amount they bill is to high, can not pay that much. I graduated last XXXX 2016 I have not found work yet but I have been XXXX and I have send them my pay stub and tax papers my husband has not worked for the past 10 years. it looks like they are giving me a run around, please see if you can help in this matter I would appreciated XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My ARM rate increase on XXXX caught me by surprise. I did not receive any notices while the bank had my current mailing address, email, and telephone number. With the online account management, there was no notification documents there. Monthly statement on XXXX was too late as a notice required by my rate change agreement, and the rate change was inappropriate without notice. 
Worse yet, all of XXXX, the " current rate '' was misleadingly outdated. I refinanced on XXXX after learning about the increase from the statement in the middle of XXXX, and I paid .625 % higher rate for XXXX full month and 22 days in the payoff month. It does not add up with my " current rate '' updated only in XXXX My payoff included the principal balance and a full month of increased interest, and I was only refunded six days if interest.

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 — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient had increasingly made it difficult to star a repayment plan to bring my account out of deferment and would only offer an agreement which I would not be able to read first, only have the terms dictated to me over the phone and give a verbal agreement to extend the life of my loan. I do not have enough liquid capital to overcome the thousands in interest that have accrued and they offered nothing except for threats that my credit will continue to be ruined until I paid. The loan was then being managed by XXXX ( XXXX XXXX XXXX ) which I was able to arrange a repayment plan to bring my account out of deferement however, after my first payment, the loan was returned to Navient. I am struggling pay check to paycheck without the means to overcome this debt, though when I was paying more than interest only payments for years, prior to losing my job and finding a new one. They offer very little and I have tried other means to refinance my loans but am always denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have an line of credit with Bank Of America for {$370000.00}. I have never been late on any payment because they were charging me interest only. 3/4 months ago they told me my line of credit matured and now they will start billing me as 15 years principal & interest and they payment will be somewhere about {$2700.00} a month. I explained to them there is no way I can make that payment as I have first mortgage and rent is only {$2300.00} a month. I am already {$2000.00} upside down. I asked them if they can differed the loan as for 1 more year so my first mortgage will be finish and I can make the payment after that. They told me they can do nothing and I do n't make enough money to refinance. No body told me about hardship application or anything only thing they said was best thing to do is put it on short sale. I have made payment when economy was down. I borrowed the money and I want to pay it back. I just need help till XX/XX/2017 when my first mortgage will be over and I can make regular payment to Bank Of america. Now since they ruin my credit I ca n't even go and get any refinancing done at all. Please look at my payment history I have made good on my loan all this time even when economy was really bad. I do n't want to ruin my credit and I do n't want that I did n't make good on my loan on my conscience. Please help me fix this issue. It seems people who were good all thru the bad economy are getting punish for being good.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I do n't feel like my monthly payment amount or interest rate is realistic. I have tried multiple times to lower my interest rate with no success. I have also tried to change my payment plan with Navient with no success. I went on forbearance last year without realizing that the interest was still accumulating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My name is XXXX XXXX, I have been unemployed due to being XXXX for over XXXX months and I am not receiving any XXXX income or any income at all for that matter. 
My home at XXXX XXXX XXXX XXXX XXXX, TX XXXX has XXXX mortgages attached to it. The XXXX lien is with BOA and the XXXX is with XXXX XXXX XXXX. My payoff with Bank Of America is {$140000.00}. I have been working with Bank Of America on applying for a Short Sale of my home Bank of America has completed an appraisal on the home which came to {$150000.00}. We have a qualified buyer who has been waiting for over 3 months on the review at a purchase price of {$150000.00}. XXXX XXXX XXXX has approved the short sale payoff of {$2500.00}. I also owe the Home Owners Association around {$1300.00}. With the payoff to BOA of $ XXXX, XXXX payoff of {$2500.00}, HOA, Commissions and closing costs, I am still {$11000.00} short when it comes to the closing table. Bank Of America is saying because the appraised value is more than the payoff, the file does not meet investor guidelines. I feel very upset about this considering the fact that we have been trying so hard to work something out with everyone. BOA even accepted the {$150000.00} offer including paying the closing costs to pay the XXXX lien, HOA, Realtor Commissions on XX/XX/XXXX. Now they are saying that it does not meet investor guidelines. When they accepted the offer, the buyers completed their inspections which was an out of pocket expense they now want reimbursed. In the offer worksheet that BOA accepted, they even agreed to paying {$12000.00} towards the XXXX lien which is more than we were asking for ( {$2500.00} ). This does n't make since why they would accept the offer then say " it does not meet investor guidelines ''. They think because we have an offer at $ XXXX that I can pay the payoff of $ XXXX and bring an additional $ XXXX to closing to pay off all the other expenses, with no regard to my financial hardship or the fact that the home sat active for over XXXX months before we got the offer of $ XXXX. If BOA forecloses on the home, they will spend more money going through the foreclosure, paying attorney fees, losing lending power, paying realtor commissions, paying property preservation services, closing costs etc. I am extremely upset and suffering an enormous amount of stress that it is physically killing me. My family is helping with an attorney that wants to take the case, but I really want to work this out as politely and peaceful as possible. I have attached the documents for your review. Please help me!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CO

Complaint narrative:
This company Jefferson Capital Systems In Minnesota, has put an item on my credit report. Every time I write them and ask them to send me an original source document meaning a signed contract showing that I am indeed obligated to pay an amount of {$100.00} they fail to respond or they refuse to respond. There is not enough information for me to determine what the debt is or if I owe this debt. They are violating section 609 of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01 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: AL

Complaint narrative:
A rep from Navient called me to discuss a loan that I had with XXXX XXXX in 2007. I asked the rep could she supply me with additional information, because all of my student loans should be consolidated. She proceeds to tell me that my mom has the information and if I wanted it ask her. I told the rep my mom is not sure of what she is talking about either. Then she gets defensive and starts talking over, repeatedly asking if I 'm going to pay my debt. Then she tells me I 'm unprofessional because I want information on a loan that I suppose have through them. I told the rep this loan is over 10 years old and I need more information so I could better understand the situation and work toward a resolution. I also asked when was the first payment made on the loan and how is just now coming to my attention. The rep would not answer any of my question she started yelling at me telling, I know what the loan is and I better pay it. After her yelling she then ends the call, while I 'm asking to speak with her supervisor. I called back several times on have her hang up on me multiple time and threaten me with harassment because I was calling her wanting information on a loan. The rep was very unprofessional, she was also loud and disrespectful. I still have no answer about the loan in question.

Company response to consumer: Closed with explanation