vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-09 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: CA

Complaint narrative:
My ex-husband used my identity to put me as a co-signer on his XXXX students loans through Sallie Mae, XXXX. XXXX XXXX XXXX, PA XXXX back in 2008. We were separated at the time, living in separate homes and our relationship was over. I found out about the loans through a letter mailed to me and I immediately followed all steps that the loan company ( SallieMae ) told me to take in order to dispute the charges, including a police report and fraud alerts, etc. The man at the loan company basically told me that he did not believe me, and that there was nothing I could do because the loan was signed with an electronic signature. I never heard back from SallieMae regarding the status and since then the loan has gone to collections. My ex-husband is now in jail and I am not sure what steps I can take to fix this issue. I realize it has been a very long time but he committed fraud and identity theft and I am willing to do whatever it takes to clear my name off his student loan that I did not sign nor did I receive any funds from. 
I am not sure if this is the right place to ask for help, but if it is n't please at least direct me as to where to go or who I can contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: NC

Complaint narrative:
I have asked that all correspondence be by mail. Pioneer Credit calls multiple times a day to myself and numerous family members. 
They are now engaging in deceptive practices of making false representations by somehow displaying my family names on the caller id in place of their phone number. This is harassing and intimidating uncalled for actions on the part of Pioneer Credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America called a former employer of mine because they informed that Bank of America called looking for me, I had told me that I no longer worked there. My former employer was upset and then I called in back in XXXX XXXX or XXXX XXXX when my payment was held by the credit department and this occurred twice. I actually spoke with someone in that department and they verified that information. Bank of America can remove the negative mark off my credit because per XXXX companies can do a goodwill intervention once and remove it if they wish to, he states that companies hate to do it but they can ask the credit report to remove negative information. I had a negative mark removed by another company via goodwill intervention. The credit bureau states that Bank of America does not like to remove negative marks but they can remove it if they wish. I asked them to remove it but I was told they could n't. I also spoke with a credit law attorney and he advised that he has heard several complaints about Bank of America telling customers that they ca n't do a goodwill intervention, he advised most companies will only do it once for the life of the account but he does not know why BOA is giving out bad information. I want the credit marked removed de to misinformation being given by customer service and the credit department ( I talked with them twice because they did not credit my funds right away ). No one at Bank of America is worth talking to because they never take responsibility. I work in the credit department and I know they could do a goodwill intervention once.

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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have both private and federal loans through Navient that are set up to automatically debit every month from my bank. I try to make extra, separate payments. I am unable to make a direct payment to one loan online ( trying to decrease the principle ). Only option is to mail in payment, with a note telling them how to apply the payment. It does n't matter if my note is clear and concise, they never apply the payment to the one loan requested. The money is spread over multiple loans, not only to the loan with the highest interest I am trying to pay down. They ignore that I say to not advance the automatic debit - if I do n't catch it, i could have a loan with potentially months of time passing without payments being made automatically. This happened with XXXX and navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
During a loan modification process, prior to having the partial claim document recorded by the county, [ over a year after I signed & had it notarized ] a Bank of America employee modified the document, crossing off the work 'subordinate ' [ as it appeared before the word 'mortgage ' ] several times from the document, without my knowledge or consent.

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 non-monetary relief
Consumer complaint received 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX, My wife withdraw from ATM ( Bank of America ) {$200.00}. 
ON XXXX/XXXX/XXXX bank of America deduct from my checking account {$150.00}, I call to find why. 
they said, is, because the ATM give to my wife {$350.00}, The transaction is recorder as a {$200.00} but my wife receive {$350.00}, after more the 2 months ago, I have no proof, And I do n't what else I have to do to resolve this problem. I been in contact with the bank, but nothing is been done to resolve this situation.I been in the phone hours trying, telling them ta My wife just receive $ XXXX.hoping somebody can help me.

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 2015-05-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Case Number:XXXX XXXX : As per XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, response to my XXXX/XXXX/XXXX, compliant. She states Bank of America do n't tolerate discrimination or predatory lending. I beg to differ with her explanation. Because from XXXX to XXXX XXXX, when they transferred my first mortgage to XXXX XXXX XXXX XXXX. They refused to refinance my mortgage not for lack of documentation. But, because I would not agree to another predatory loan with excessive interests rates, and premium spread. I have documentation that BOA tried to charge me XXXX XXXX, XXXX, and XXXX XXXX dollars, respectively to refinance a conventional loan for me. BOA could have refinance a Veterans Administration loan for me. Because, I 'm a XXXX XXXX Veteran. They refuse, that is the reason they transferred the loan to XXXX XXXX XXXX XXXX. If they had gave me a VA loan. It would have cut my mortgage in half. From XXXX XXXX dollars a month to XXXX XXXX dollars a month. If this is not discrimination. Please! tell me what is. BOA have given XXXX Veterans hundreds of VA loans, if not thousands since XXXX to XXXX.

Company public response: Company 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: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have had the same student loans in my name since XXXX XXXX. My ex husband was ordered to pay them in the court of XXXX County Alabama. He of course did not follow through. I have been put on forebearance and on income driven repayment plans as well as in default before, where they took every cent of mine and my husband 's federal income tax refund ( which was over $ XXXX ). in review, I have noticed that I have several old accounts on my credit that reported as of XXXX, that were. NOT servicing my loans and that has hurt my credit. Navient has had my loans for a while. I paid {$50.00} a mo for 6 mos and I was supposed to be " forgiven '' by one of the " servicers '' and once those payments ended, they stopped taking the money and ended up going into default and then being sold off to other servicers. This is bait and switch. I make $ XXXX a year and can not pay anything back, especially since these student loans are over 20 years old. Currently, I am on an income driven plan with Navient and XXXX. I do.not understand why I have so many different servicers. I have asked in the past to have them all consolidated, they say ok and never do it. So I get one caught up with whatever they can give me and then the other is not. This is so confusing and never ending. I also want to know where that $ XXXX went bc I should be $ XXXX less than I was. It is n't showing that. I am very frustrated and tired of having to worry about it bc they hit my credit..Also, I applied for IDR from Navient, sent in all my Info and they said they could n't read it and I had to resend. Sadly, they did some system update and it kicked out EVERYONE who was trying to get any sort of repayment plan approved so they put me into " forebearance '' until XXXX to get things " fixed ''. This sounds a lot like the whole mortgage industry XXXX.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was treated unfairly with my students loans from the school I attended. The school was splitting up XXXX loan into small loans causing me to owe more money and making it harder to repay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: CA

Complaint narrative:
Navient has put my loan in forbearance multiple times while knowing I could not make payments without an income at certain times and Navient did not notify me of the other options like income based driven repayment which in turn has accrued late fees on my account. I do n't agree with fee charged to my account when their customer service was well aware of my other options but withheld that information to help me.

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I am paying back my loan but complained to Navient about why my loan interest was increased to XXXX % for which I never accepted. I am not in default but I did have have a problem getting a forebearance which took a while to get but had to use my unemployment to pay while waiting. I am unemployed now and is struggling to pay it now without unemployment.

Company response to consumer: Closed with explanation
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:
Looked to lower payments and navient convinced me to make interest only payments. Thankfully I checked with family and friends and they informed me not to do this as it pays no principle and adds greatly to the length of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XX/XX/XXXX to XX/XX/XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from XXXX the credit bureaus and the creditor/collections agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I attended college later in life ( a XXXX career ) with a degree where I have always worked for XXXX and not have a moderate salary. My loans are managed through Navient. I have paid on the loans for years and the balance is barely moving down. I 'm about to retire in two years so my income will be reduced greatly, how do I handle this? I 'm told I do n't qualify for loan forgiveness because I did n't enter a program when I graduated in 2003. Help please, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Best I can tell my original lender transferred/sold my XXXX student loans to Sallie Mae around XXXX XXXX during which time ( XXXX - XXXX ) Sallie Mae NEVER once contacted me in anyway to inform me that they were now servicing my student loans. In XXXX XXXX a gentleman contacted me on my cell phone informing me that he was with the NY State Dept of ED and he was contacting me about the student loans I had defaulted on. I stated to him that I was wondering what ever happened to those loans because I have n't heard from anyone or received any correspondence in years. After placing me on hold to review my account he then transferred me to another department who after almost 1-hour informed me that my loan was all XXXX but I had to bring my loan current before I could address it. I was told that I hit with {$77000.00} in penalties, interest and fees which have been added to my original loan balance by the loan servicing company ( Sallie Mae ). The bottom-line is that Sallie Mae took over my student loans which totaled {$59000.00} when it was transferred/sold to them in XXXX and intentionally put me in a situation so that they could run up my bill and hit me with an additional fees ( {$77000.00} ) which as of this writing is destroying my credit, limiting my career/business options and even preventing me from securing a home loan or business loan so that I can provide for my family. As of this writing XXXX/XXXX/XXXX Sallie Mae is reporting to credit bureaus that I am 120+ days late and owe {$130000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Wilber and Associates, P.C.
State: OH

Complaint narrative:
On XXXX/XXXX/16 I receiveda letter from Wilber & Associates, P.C. stating they were attempting to resolve a matter in an amicable fashion and that I would need to advise them immediately of insurance information or immediately send payment for insured loss. I had no idea what this was in regards to so I called the number on the paper and A man answered and was horribly rude to me. I asked for acopy of the legal claim and he said he wasnt going to waste his time sending a copy out if I wasnt going to pay it anyways, he then stated he would mark it as a refusal to pay and mvoe forward with his law firms steps. He told meto tell the person in the back of my phone call to be quiet because they were n't helping however I am not going to send a check for XXXX to someone who I dont know without an itemized info sheet on what those funds would be for. When the man hung up on me I called back 2 times to which a woman answered and said hold while I transfer your call and it was transferred two times with no answer. I called back a fourth time and finally spoke with the man I spoke to first and he very quickly said " I already told you what you owe before you can pay that over the phone and it is due by the end of the month, have a great day. '' and then hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 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: FL

Complaint narrative:
We took out a private student loan for our daughter when she was in college. The amount of the loan was for {$30000.00} and it was procured through XXXX XXXX. We have been paying {$600.00} a month for ten years. My daughter has become XXXX XXXX so we have been paying the loan. Then Navient took over the loan and now the payback amount is over {$70000.00}. We called Navient and they said it was due to varying interest rate and penalties. We are now retired and need to lower our payments due to a decrease in income. They wo n't budge. As a matter of fact they informed us we can afford to pay the loan. When we asked how they came to that conclusion, she stated we have a credit card with a credit line of {$35000.00}. That card is for emergencies only! And why should that matter? We said we may have to declare bankruptcy due to the loan and the person at Navient said bankruptcy means nothing to them. They will keep going after us until we pay up. We have tried and tried and tried with no success to lower the loan payments. They are loan sharks and they are going to ruin us. We do n't know where to turn so any help is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: TX

Complaint narrative:
Navient has circumvented contacting me directly by telling sensitive erroneous information to my friends by calling them unsolicited. Navient often calls and acts as a debt collector even when my loans are not in default and are not even 30 days past due. Navient also calls my cell phone during work hours at least XXXX times per day. Phone records should provide this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.

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 non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a realtor representing my client and I have been trying since XXXX to initate in equator. They have even told me that I would be able to initiate in equator. We went through a modification in XXXX and the client does not want to do it. He wants to proceed with a short sale. Every time I call no one can ever do anything and you have to talk to management to be able to get you in the system.

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