vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I would like to voice a complaint against XXXX XXXX/Navient. This is in regard to a private loan for {$25000.00} to attend a XXXX called XXXX XXXX in XXXX XXXX, Michigan. XXXX XXXX was in the XXXX Bank building. I heard the ads for XXXX XXXX on the radio. This happened in XXXX. I 'm not sure if XXXX is still open or not. Their ads are not on the radio anymore. I did some research in XXXX and XXXX and discovered that XXXX XXXX was mentioned at XXXX websites : XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ) for being an money-making scam. XXXX XXXX was also mentioned at these XXXX sites as the lender. I then discovered that XXXX XXXX changed their name to Navient and XXXX changed its name to XXXX XXXX. Then I did a search on legal action against XXXX XXXX/Navient and found a report, in the form of a PDF file, from the XXXX XXXX XXXX XXXX. It is titled " The XXXX XXXX Saga : A Government-Created, Student Debt Fueled Profit Machine. '' Right now, it is hurting my household budget. Even though I 've been making the payments, they are not on the due date because of other payments I have to make. The monthly payments are between {$220.00} to {$220.00} per month. I also never found an IT job after completing XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NE

Complaint narrative:
Could CFFB and Navient please provide a ruling or further explanation on the Auto Debit Repay Benefit for Student Loans? 
From the XXXX website : XXXX " Direct Debit ( ACH/EFT ) Discounts : Interest rate reductions of 0.25 %. Require that all payments must be paid on time ( usually defined as within 10 to 15 days of the due date ). Even if you sign up for automatic direct debit of the monthly loan payments from your bank account, you can still lose these benefits by having insufficient funds in your account. If you are late with a single monthly payment, you lose the benefit permanently. '' Could you please clarify " can lose these benefits '' as it is written? Or " will lose '' these benefits ''? 
My reading of the rule is that the Auto Debit Benefit is lost forever if a payment is late ( incurs late fees ), but I find nowhere the language that states specifically that an instance of insufficient funds from an ACH payment automatically disqualifies the Auto Debit Repayment Benefit, unless of course those insufficient funds are a reason that a payment ends up being late and thereby incurring late fees. 
I have never, ever, not once been late with a student loan payment, but one time I did have insufficient funds from an {$120.00} Auto Debit on Private Loan -XXXX on XXXX XXXX, 2014. However, I was never late with a payment. 
Once I realized the insufficient funds, I made payments towards Private Loan -XXXX both through my bank and within the Navient website, so that within the 15 days from the due date, I had made two ( 2 ) payments, XXXX XXXX, 2014 for {$120.00} and XXXX XXXX, 2014 for {$120.00}, which is actually twice the amount that was owed. I incurred no late fees, which is the definition of a late payment. 
Navient removed the 0.25 % Auto Replay Benefit from XXXX XXXX in XXXX 2014 ; however, I have never been late with a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 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: MN

Complaint narrative:
In either XXXX or XXXX my amount due on my private student loan went up almost $ XXXX/month. I paid it, but it was causing financial hardship for myself ( between my private loan and my federal loan both owned by Navient I end up paying nearly $ XXXX/month, not to mention another loan from XXXX XXXX for $ XXXX/month ). 

I was advised by XXXX customer service representatives that they were unable to assist me, but if I let my loans go into default, there would be options available to me. Against my better judgement, I did n't pay my loan last month as advised. 

When I called today to see what options were available to me, I was told that they were able to lower my payments by $ XXXX/month ( great, awesome ) ONLY if I signed up for automatic debit. I had signed up for automatic debit in the past and had so many issues with it -- from payments being unequally applied to loans, incorrect amounts being debited to unauthorized payments taken out. At this point I asked to speak to a supervisor to see if I could explain that to them and see if they would agree to waive this stipulation. 

Beyond the supervisor being completely rude, I was told the same thing - there is nothing that can be done unless I set up automatic debits. I asked if there were any guarantees or assurances that issues that I 've had in the past would n't happen again if I signed up for automatic debits, and the supervisor got very insulting and surly. I am so disappointed in this company, I am willing and actually able to pay my loans, and have been for the past year or so BUT I can not pay this amount right now. I am feeling so despondent and hopeless after this call with your company. I just do n't know what to do with these loans anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
CENTRAL FINL CONTROL ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, CA XXXX PHONE XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CENTRAL FINL CONTROL or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CENTRAL FINL CONTROL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

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 2017-01-02 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: AZ

Complaint narrative:
The issues is I have been given a XXXX determination and have been trying to get my private student loan discharged by Navient. The loan in question has a co-signer, it took me three attempts to find a co-signer that they would accept. At the time of my XXXX I had XXXX private with Navient, they discharged the one that did not have a co-signer and have determined that based on my XXXX I am no longer responsible for the loan. I feel that the co-signer should not be held liable for this debt, because at the time of her signing off on the loan ; I was healthy, going to school full-time and working full-time. So, based on that it was represented to her that I would be able to work and pay off the loan. Navient has decided, that my co-signer is able to repay the loan so they are making her. I feel that in this case the co-signer should not be held liable and the loan discharged just like they did the other XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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:
Since XX/XX/XXXX I have been participating in the XXXX program via my MasterCard through XXXX to repay a portion of my student loan balance. To date everything has gone smoothly but today when I logged into my account I noticed that over {$190.00} that I earned in cash back was no longer showing in my account, nor was it applied to the balance, in fact Navient says that have no record of it. I immediately contacted them and they were less than helpful, in fact the floor supervisor told me they are no longer participating in the program. I asked since we and he told me for many months, i challenged him and told him that was untrue and all you had to do was look at the cash back that was applied on XX/XX/XXXX as proof that the program was still in effect. 

I am looking for help in resolving this discrepancy and to have the money I rightfully earned in cash back immediately applied to my outstanding balance and to have any and all interest charges related to their failure to apply said funds to be immediately removed from my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 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:
My Fed loan repayment is with Navient. I have been scheduling my payments, it goes through but they say they never got it or my information was incorrect which is strange because it wo n't give me payment confirmation if it was n't correct. And because they never withdraw money, they keep accumulating interest on my payments, in XXXX i payed my monthly payment and two weeks later, i payed the same payment with overcharge and i just received a letter that my scheduled payment did n't go through and that my auto pay is cancelled and i will incur more over charges. i do n't know what the XXXX Navient is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America Close my account not under the terms and aggreements written at the time of opening my account.

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
Consumer complaint received 2016-04-27 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: MA

Complaint narrative:
Navient is harassing the co-signer to my loan, forcing them to make payments and causing the co-signer 's credit appear as if their delinquent. Navient offered to work with us whatsoever and informed us that we exhausted all of our options regarding hardship, unemployment, etc. XXXX informed me, today, that my loan is current and the next payment is due in XXXX 2016 of approximately {$300.00}, however, Navient informed the cosigner that this amount is due immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: MI

Complaint narrative:
I have multiple loans through Navient and at some point XXXX XXXX. One of my Navient loans was placed into FORBEARANCE on XX/XX/XXXX. Since obtaining my first federal loan I have been in and out of college and in-between multiple jobs. Navient, XXXX XXXX, and Pioneer have all hounded me in regards to my loans ( by phone and mail ). During the time my navient loan was placed in forbearance I was not employed, living with my dad, and had XXXX income. I distinctively remember telling the woman from navient or XXXX XXXX that I had no way of paying and I did n't know what else to do. She stated forbearance was my only option. I told her I needed to think about it and I 'd call her back. She called ME back three times and on the third time I accepted forbearance. Every time I would talk to someone regarding these loans ( when I had missed payments/on the brink of defaulting ) I was always left clueless and helpless. On numerous occasions I explained I was unemployed with zero income and they 'd offer me some confusing deal ... never once suggestion an income-based repayment plan. It got to the point where I ignored their calls..they were no help. All my loans have defaulted at some point. XXXX/navient, at one point was calling me 2-3 times a day and my family members, even after I told them I had no money to pay and stop calling. All of this took place years ago between XX/XX/XXXX and XX/XX/XXXX, according to www.nslds.ed.gov. I do not know all the information regarding my loans but I believe my loans have been consolidated. I attempted to obtain more information from Navient but their website is n't responding and I am unable to get through on phone. Once again, my loan is on the verge of default. Feel free to contact me for more information. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: NC

Complaint narrative:
After reading the complaint and lawsuit from XX/XX/XXXX by the US Government, I want to formally voice a couple concerns I have with Navient. 

1. It was not until XX/XX/XXXX that I was made aware that my federal student loans had an option of income based repayment. I had a number of years where the loan was in forbearance and I was not aware of my options. 

2. Navient refuses to release the cosigner on my current private loans. One of those cosigners has been deceased since XX/XX/XXXX. It has been 7 years and no cosigner has been release even though I am on autopay. I have also raised my credit score to over XXXX points during this time period. It is time to release them. 

3. Navient continues to increase my smart option loan interest rate. This rate is over 11.5 percent at this point. Again credit score is going up as well as autopay however they continue to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have stated multiple times that Navin t is not to contact me by phone at any time, including specifically being told not to contact my employer. A representative from Navient contacted a member of HR at my work and threatened them to turn over personal financial information about me. The HR rep was scared from the threatening tone of the representative. After that incident, I immediately told Navient that they are not to contact me at work. Today I got several blocked caller ID number calls at work and a threatening voicemail on my personal work line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29 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: WV

Complaint narrative:
Everytime that I call Navient I get a different response, I 'm trying to lower my payments, twice they have forbereance my account and add interest to it at the end of forbearance also I tried the IBR program which it said for 10 years but then they sent me letters that I need to reapply every year after the forbearance is over and the payment is way to higher that I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: MO

Complaint narrative:
My private student loans through XXXX and Navient are out of control and no one can help me. When I call for help I just get transferred from place to place with no resolution. When I call Navient they tell me collection agency XXXX XXXX has my account I call them and they say they do n't have it navient swears they do. I found it with an attorneys office. I had worked out a payment plan with a collection agency that called me in XXXX 2015 of {$1000.00} down {$250.00} for life and interest rate reduction of XXXX percent for life. I called to find why my first payment did n't come out they said Navient took account back saying I did n't pay on it my payment was not due for 2 days so they took it back before my first payment came out. Now they are saying no payment arrangments are available. I want the payment plan I agreed to and was offered. I originally borrowed {$120000.00} between the XXXX lenders and with interest that amount has grown to nearly {$300000.00} more than my house is worth just in interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I understand that you are currently in the process of a lawsuit against Navient/XXXX From what I read, the lawsuits states that deferment was pushed by the servicer and the interests accrued where placed into the principal. This is completely true. I have {$12000.00} of capitalized interest since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or calls!!!

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 2016-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11 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:
Navient has repeatedly either misapplied payments with clear instructions in compliance with Navient 's instructions so as to collect more interest. Additionally, on more than XXXX occasion, Navient incorrectly charged late fees to my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Navient Reference Number XXXX - Called from XXXX claiming to be formerly XXXX XXXX - Re Debtor XXXX XXXX. Navient claims I am a reference. XXXX XXXX also did previously and I asked to be removed. I have no contact with XXXX XXXX and I did not co-sign or provide a reference on any loan. I spoke to XXXX XXXX of Navient of XXXX XXXX, PA. Asked to be removed as a reference. He agreed to do so but refused to provide written confirmation. Written confirmation should be provided since my name remained on the file after XXXX XXXX allegedly removed it. Personally, I do n't even know if XXXX XXXX provided this information or there obtained my contact info in another way which may violate Federal Debt Collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 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: GA

Complaint narrative:
The company ( XXXX XXXX which is now Navient ) called me everyday, all day even after XXXX and harassed me about paying the private loan even though I have tried to work with resolving the issue in the past. I paid the company up until after I was XXXX and up until I had to file for bankruptcy ( from XX/XX/XXXX thru XX/XX/XXXX ) so they have received more than what the initial loan was worth due to the interest rate being above 18 %. They are now threatening to garnish my XXXX check and checking account. In the past, they found loop holes to say the loan was not federal but it was personal and then that it was private in attempts to prevent the loan from being discharged due to bankruptcy and/or hardship. I have paid them back more than the original loan plus penalty charges. I tried to settle with them in the past when I still worked and tried to get them to reduce the interest rate. All my other student loans with other places which totalled more than this one, were paid off due to the interest rate being at the normal student loan interest rate ( 1-3 % ). XXXX XXXX refused to lower the interest rate and gave me the excuse that the loan was a personal loan and the interest was high due to that. But when I filed bankruptcy ch. XXXX, they changed and said it was a federal loan. Then when I asked to have it discharged due to federal hardship, they first agreed and I filed the paper work. They then changed their standing again and said this was a private loan so it could not be discharged. Please help.

Company response to consumer: Closed with explanation