vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is requiring that I default on my loan for two months before they will consider a loan modification. One of the reason I was denied in the past is because I have not missed payments on loan. At the present moment, I am getting assistance from someone else to help pay my loans so it does n't default. I do not feel it is fair to require a customer to default on their loan payments before they can be given a loan modification.

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 2017-01-23 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: ND

Complaint narrative:
I took out my first student loan through XXXX in XXXX. At the time, I had been on SSI since XXXX. When I took out my private loan through XXXX, I was not told that I could never get my student loans forgiven due to being on SSI when I took out my loans. My loans were sold to Navient. They have put up many barriers to releasing my cosigner. My only income is my SSI. They are refusing to lower my payments and are making it very difficult to afford my payments, despite both my cosigner and I trying to work with them. We are not able to make the payments despite trying and they are setting many barriers for us that I feel are unjust. They are harrassing us both about paying the loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 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: CT

Complaint narrative:
Navient told me they would n't extend my Administrative Forbearance in regards to my Defense to Repayment application in XXXX correspondence and then another said they would. There is no communication between Navient, FSA, DOE, or any department. It 's conflicting information.

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 — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I consolidated my loans several years ago after threats because I could n't pay my loans. I have been paying for years, first XXXX then Navient. I recently requested a breakdown of my debt. On the national student loan database, there are loans I can not account for and wanted to know where they came from. Navient directed me to student loans.gov, who told me my serviced ( Navient ) should have my paperwork to verify my loans. Repeated requests to provide that have gone unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America refuses to give me consistent and accurate information for removing my PMI payment. Every time I call I get a different requirement for an appraisal or loan to value amount. I have an appraisal they refuse to accept even though all appraisers are supposed to be selected at random and I was told before that it would be accepted if it was done within the last 3 months.

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 2017-02-04 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: CA

Complaint narrative:
I am writing bc I graduated in XX/XX/2005 with combined Federal and Private loans thru XXXX totaling around XXXX XXXX Upon starting payments they wanted me topay around {$1000.00}. a month at which the time I could not afford. We went back and forth and they said there was nothing they could do for me so they kept issuing forebearance. Finally they gave me a plan in which I could afford where they explained it would be interest only payments for so long then it would start going towards the principal. Well I have been making payments at first around XXXX and now they 've been around XXXX $ a month for the past XXXX years but I have been paying consistently since I 've graduated in XX/XX/2005. My grand total is now {$100000.00}. that I owe!! I called to see how I am ever supposed to get my total down if theyre charging me interest upon interest at the back end of the loan. Their answer was start doubling up on your payments. But at this point if theyre charging me interest on the back end no monies are going toward anything. I will be retiring owing more than I graduated in XX/XX/2005 owing. Something does not seem right. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 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: PA

Complaint narrative:
I have listed the case I have open currently with XXXX XXXX in regards to the settlement we have come to and payment being received for Navient student loans. Payment was submitted on XXXX XXXX, 2015 and was received successfully. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 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:
This debt is not known to me. I am fighting an ongoing battle with this company. I have repeatedly made contact in writing and over the phone to no avail. I have sent law enforcement information to them to document that has been a victim of identity theft ; I sent them my Identity Theft Victims Affidavit and complaint made with the FTC attesting that this account was opened fraudulently. I complained to the credit bureaus and requested that full validation and they replied with just a statement stating that " the information has been verified ''. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information that is being used to ascertain the validity of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I was in a car accident and my car was deemed a total loss. My insurance company paid off the lease and I had to pay the deductible. I paid more than XXXX of the deductible, but before I could pay the rest it was considered a loss and charged off by Ford Credit. I only found this out when I received a copy of my credit report. I never received any phone calls or letters from Ford Credit stating that it was going to be considered a loss and charged off. When I called Ford Credit they told my Husband and me there was nothing they could do to change that. They claim that they notified us but we never received anything from them saying that they were charging out account off. They also claim to have discussed this with my husband about this being charged off when they spoke in XX/XX/XXXX. The only thing they discussed was about him emailing a copy of the police report and insurance information to them. They had no previous problems reaching me before when they had questions about the accident and we have always received our monthly statements. We were never late or missed a payment during our 3yr lease. As a matter of fact the replacement car is leased through Ford Credit. My husband also drives a Ford. After the current lease is done we are done with Ford if this is how they want to treat a loyal customer. Both of us had great credit scores and that has suffered because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
We paid off our mortgage with Bank of America in 2013 and have yet to receive our home title. We have asked multiple times for our title and have been transferred to at least XXXX different people who are " working on our case, '' they have opened at least XXXX cases for us, but there has been no resolution and no response from anyone at Bank of America letting us know the status of our case. We try to contact them via the email and phone numbers they have given us, but they do not answer. We have had our attorney contact Bank of America and they basically denied any wrongdoing ; they claimed that this was due to XXXX XXXX XXXX and a missing assignment. It is not our fault if BOFA sold our loan to a third party or lost it. It has been over two years since we have paid off our loan and Nevada state law requires the owner to receive their title within 90 days of being paid off. We are worried we will never receive it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-21 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: WA

Complaint narrative:
Can you explain to me the issues surrounding current loans thru Navient and also the issues surrounding Everest loans from Corinthian? Would the loan forgiveness have an effect on my loan amounts with Navient as well? Im confused I would just like some clarity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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:
My student loans got transferred Navient. So for a couple of years I have been going through such stress, trying to figure out, what are they doing with my payments. I have talked to over five different Account Managers, who tell me something different. They tell me that I am current one month, and then the next month, I am passed due. Every time I call the company and make a payment, I wind up getting upset! They have been mishandling my account for several months now! I would like for someone to give me a straight answer, as to what is going on at Navient? I was just told on XXXX XXXX, 2016 by XXXX XXXX at Navient, that my account was current. This month I called in to make a payment, and another Account Manager by the name of XXXX XXXX, says that XXXX was wrong, and that I am passed due! Someone please help! I am at my wits end! I thank you for your time and consideration. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 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: UT

Complaint narrative:
I attended University XXXX at XXXX for two years and needed to take out private student loans to be able to afford school. My private student loans are through Navient, formerly known as XXXX XXXX. XXXX 2015 they withdrew XXXX dollars from my bank account without notifying me of my change in repayment terms. They had overdrawn my bank account weeks before XXXX. When I called to ask them to please refund the money to my bank account so I was n't charged an overdraft few they said it would be impossible for me to get the money back for up to three weeks and that if they cancelled the payment I would have to pay them immediately another amount even without the money being refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a hospitalization emergency surgery. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate hospitalization. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by 50 %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 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: FL

Complaint narrative:
Subject : Problems with XXXX Deleting Defaulted Loans In XXXX, I got into a Loan Rehab program for my defaulted loans with the servicing provider XXXX ( XXXX ) who was the gurantor and servicer of my loans since XXXX. They agreed to delete my loans from default and remove them from my credit ( See, Exhibit A1 and Exhibit A2 ). I successfully completed the rehab program in XXXX, XXXX. I contacted ( XXXX ) directly and they said they notified XXXX XXXX/Navient to remove the credit file from each of the credit bureaus. ( XXXX ) told me that it should take up to 60 days for XXXX to remove it according to 34 CFR 682.405 - Loan rehabilitation agreement. It has now been close to 500 days and they have not been removed. ( Exhibit " B '' is a sample listing on XXXX showing defaulted loans ). XXXX also stated that the problem is with XXXX and Navient because they handled there part. 
I 'm preparing to shop for a mortgage and was told those defaulted loans still showing on my credit will keep me from getting the best interest rate. I 'm requesting your assistance to correct this error that is being caused by either XXXX, Navient or XXXX on these loans since the defaults do not reflect my current payment status and agreed upon rehab arrangements. 
Bigger Issue : XXXX has split into Navient Solutions and XXXX, but they are the same exact company. On my credit reports with XXXX every few months those loans appear by different names, sometimes XXXX and sometimes as Navient Solutions. I have contacted Navient Solutions several times and they refuse to help. I have asked the XXXX credit bureaus to help as well. The last time I asked for help from credit bureaus ( Exhibit E ) was on XX/XX/XXXX. I also asked XXXX to remove these items as well ( Exhibit C ) and sent them a letter ( Exhibit D ) on XX/XX/XXXX. I am needing for the original owner XXXX to remove these defaulted loans from my credit immediately as agreed with the service provider who handled my account at that time. Also on XXXX of my credit reports Navient Solutions is listed for the accounts that started in XXXX even though Navient was formed in XXXX. I know that Navient and XXXX is operating outside the laws of the land. This gives them no right to continue to harm my credit like they are doing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07 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: MD

Complaint narrative:
I have disputed this account with the agency. They keep sending me collection accounts, I requested proof I signed this they only sent me statements,. I requested more and more information but seem like they do n't care only to collect. I request for them remove this off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient is continually contacting my employer after multiple requests and certified letters to stop. XXXX XXXX from Navient was harassing another employee with my same first name until the other employee threated the police.so sent another letter certified and now they are calling again.

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

Complaint narrative:
I obtained a {$4000.00} loan through Navient and was forced to pay a high interest rate of 10 % for a 15 year term. I attended college at XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 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: AE

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, I have consolidated loans through NAVIENT, account # XXXX. I am a XXXX serving since XX/XX/XXXX. Currently, I am overseas, address XXXX XXXX, XXXX XXXX XXXX. During the course of my military service, I XXXX, to wit : XXXX. I 've already serviced the debt of XXXX Stafford Loans ( unsubsidized/subsidized ) and XXXX private law loan. I am presently indebted to make payment on XXXX consolidated loans for a total of {$36000.00} in principle@3.5 %. Since I served in XXXX, my federal student loans would have qualified for a 0 percent interest rate during XXXX, as they occurred after XX/XX/XXXX. My understanding is this benefit can be applied retroactively, and so, I would like to be relieved the value of any monies accumulated through interest erroneously applied to the outstanding loan ( s ) through an appropriate adjustment. Additionally, I request an accounting for any of the referenced retired loans/serviced student loan debt. Specifically, I ask that these past obligations be examined to determine whether a recoupment action is appropriate for overcharging any interest applied to principle that was charged for the referenced periods. Should monies be owed, these amounts should be returned to the barrower in full. Lastly, it has been extraordinarily difficult reaching customer service via telephone while overseas. Automated services frustrate efforts at communication because program seemingly incapable of processing complex speech-based inquiries ( also necessitates paying international service charge rate ; inefficiency creates more expenses for Servicemember barrowers attempting to resolve matters ). Next, I 'm seeking clarity on whether my outstanding student loan debt qualifies under the Public Service Loan Forgiveness ( PSLF ). I have served on XXXX for more than 10 years, and previously a customer service representative suggested my loans would not when raising the concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Account showing from Bank of America which does not exist and they are reporting {$420.00} Charge off to XXXX Originated in 2007.

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 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
We have what seems to be a unique situation. Due to a serious medical issue we got behind on our mortgage and exhausted much of our savings. My husband and I are over XXXX. I am XXXX and he is XXXX. We decided to pursue a reverse mortgage and were approved ; however, the reverse mortgage is less than the principle balance, accrued interest, penalties and fees. We have asked Bank of America to accept the reverse mortgage and we can bring approximately {$10000.00} cash to closing to cover the principle. We provided all of the HAMP documentation to their liking and they are telling us that they can not take a settlement. They also tell us that if we were asking for a short sale they would be able to do this. This does not make sense because if they foreclose and do a short sale they will get less than if they accept our proposal. Is there anything you can do to help us? We have until XXXX to get this closed otherwise the reverse mortgage will expire and with the new rules the XXXX, XXXX, has told us that we will not qualify.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I 've been XXXX for 4 years and am unable to work due to a XXXX condition. And they 've repeatedly forced forbearance at me rather than put me on an income repayment plan or release my debt due to XXXX and I am not currently, nor have I ever been on XXXX or XXXX so I have XXXX income. They have offered me no options. Forbearance or pay.

Company response to consumer: Closed with explanation