vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 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: CA

Complaint narrative:
I have called Navient, the servicer for my loans, several times requesting a 30 day payoff statement so I can refinance my loans with another lender. They will not send it to me, but send me emails saying thanks for inquiring about your loan we have different payment options for you. They are deliberately holding back on sending me this statement so I can not close my account with them. Of note, my loans with them are and always have been current and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: MD

Complaint narrative:
I would like to pay on my loan. However, the income base payments that they have asked are excessive! They base y income on a number that is prior to taxes and living expenses. I 'm not rejecting paying the loan. I 'm simply asking that they work with me in terms of the payment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: KS

Complaint narrative:
Time and time again, I have asked Navient to consolidate my loans to which they reply, we have only offered that option a couples times ... ever. I am also a cosigner on a loan and it has become impossible to get removed even when the person has several people to take my place on the cosigned loan. They are impossible to work with and quite frankly own a piece of my life for quite sometime. It 's frustrating, irritating and all around overwhelming.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: TN

Complaint narrative:
I went to school and graduated. Cant get a job in the field, due to the school not being accredited. There were extra fees added that i was not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 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: NY

Complaint narrative:
I 've noticed that since I took this loan out, in 2011, I 've only paid {$270.00} in principal. I 've called and emailed to inquire about getting a lower interest rate ( this one is at 7.125 %, yet I have another loan with them at 2.875 % ). They wo n't budge or offer any other help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 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: GA

Complaint narrative:
Before I graduate from graduate program, I have made consolidated efforts to pay my student loans. After graduation, it is my expectation the loans be consolidated, I contacted Navient and they gave me the run around. They also did not openly disclose that my accounts have one identifying number. Unbeknownst to me and my cosigner, the payments was routed to one account number. XXXX conveniently made sure that this information was not public knowledge. Every month I am saddled with paying a high interest rates because the loans can not be consolidated. I now have multiple loans and there is little assistance from the company to transparently disclose options or to consolidate the loan to one interest rate. This is unethical as I expected an open and honest communications and one identifying loan number. This deceptive practice should stop as there are honest individuals like myself who would like to repay the loan and get out of debt. In addition, since I have been paying, the payments have only gone towards interests payments and the loan amount have remained the same since graduation. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is an FHA mortgage which BOA has violated the HUD regulations regarding counseling ( 24 CFR 203.500, and 203.604 ) prior to initiating foreclosure AND while BOA was in receipt of a complete package did not attempt to cancel a trial and obtained a final judgment and sale date against the property in violation of 12 CFR 1024.41. In addition, after successfully obtaining a final judgment, in violation of 1024.41, BOA did not provide an opportunity to have an extended sale date to allow the borrower to have more time to be properly reviewed for a modification. 
Attached is confirmation of the documents sent to the lender. All documents the lender requested were submitted and complete. On XX/XX/XXXX, the bank requested : Our client has advised that the review can not be completed until the following is submitted:1. Both Non borrowers to provide signed and dated XX/XX/XXXX tax return2. Bank statement shows XXXX XXXX XXXX XXXX XXXX XXXX as mailing address. Borrower to provide signed letter regarding address discrepancy. 
3. Borrower to provide additional bank statements for acct ending in XXXX that is consecutive to XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX 
After submitting all the requested documents on XX/XX/XXXX, we assumed the file would be reviewed, but on XX/XX/XXXX, we were informed an additional, not-previously-requested bank statement was now needed.

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 — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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: LA

Complaint narrative:
My daughter was accepted to XXXX and I had to take out a Parent Plus Loan of about $ XXXX and may be co-signer for more. I did not expect to be approved as I had filed bankruptcy late 2011, but I did get approval and now it is difficult to repay the loan. I and my wife are XXXX years old and we have an XXXX adult child to care for. My child who graduated from XXXX also has even more student loan debt and not employed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I purchased XXXX custom made wedding gowns from an online retailer, this retailer not only did not make the gowns to the date promised they made them in the wrong size ( making it impossible for me to wear to my wedding but also lied to my bank so that I would lose my claim. I provided over XXXX pages of proof to my bank was still denied. I bought the XXXX gowns months apart but never saw them because they were being custom made. I paid with XXXX different cards and XXXX of them already sided with me because it is so obvious that the company is fraud. Bank of America however sided with me first then changed their mine.

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 2016-01-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX & XXXX we had experienced financial hardship due to unexpected medical bills for our XXXX daughter. We also most recently in XXXX have experienced a change of jobs and reduced income. For the last XXXX years we have applied for a loan modification with our bank XXXX times with no success. We were referred to you by a local attorney. 

Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
In XX/XX/XXXX, I logged into Navient to pay my student loan bill the day that its due which is the XX/XX/XXXX of each month, but it stated that no payment was due. Checked again a day later and it still stated that no payment was due. Checked again a week later and still no payment was due. I logged in yesterday to make a payment for this month ( XX/XX/XXXX ) and I not only had XX/XX/XXXX payment to pay, but also now XX/XX/XXXX payment finally showed up as a late payment and now I have to pay for both months.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a victim of fraud from XXXX and their false promises of employment ; I have tried several times to request help from Navient and they are refusing to assist me. I am stuck with a XXXX debt with no hope of repaying because I can not find work in the field that I trained for because of the lies of XXXX a school that was closed by order of the US Department of Education. I am asking for the same treatment as other victims received including tax-free loan forgiveness. I have read on several websites of these programs and Navient only tells me, there is nothing they can do I will have to pay the loans in full. No exceptions. 

Also, they have a " Private loan '' in my name that I never authorized, I 've talked to a few people and they told me the loan was paid to the school ... however, there are no records!!! I am paying for a loan I never asked for!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but BOA had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because " it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.

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 2015-12-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
The company General Revenue Corporation has been contacting family members and friends of mine but not me directly. They have left account information, along with phone number but no company name every time or it is someone that XXXX is not their primary language calling. I have been in contact with the company as well as Navient and both representatives have told me that this matter is no longer being handled by this company. I have gone as far as emailing them to cease and desist calling other parties that have nothing to do with the matter that they need to contact Navient as I have and get it straightened out that this is with another collection agency and the matter is being handled. It is not fair that the company did not inform their XXXX # that this is no longer a matter for them to be collecting on. Plus I know that you can not leave account numbers on an answering machine of another party. You are only allowed to leave your name, company name and phone number when trying to reach the party in question. Information is being left with family members and friends after being told to cease and desist. Want them to get their records corrected and remove all of my information from their systems. I never gave them my friends or family phone numbers either so not sure how they are getting them. I believe they are using skip tracing tactics to get the phone numbers of potential relatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Bank of America did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Bank of America did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?

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 2016-01-12 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: ND

Complaint narrative:
I am a cosigner for my daughter 's student loan, she went to XXXX state university in XXXX Minnesota. The loan I 'm having trouble with is from XXXX XXXX now navient. She is in repayment now. I 'm trying to help her because the job she has now wo n't cover her loan payments along with living expenses. I 've tried asking them what type of loan I cosigner for and they lied to me and told me it was a government loan. Found out last week that it was a parent plus loan. I guess I do n't know who to believe because I get a different answer every time I talk to someone. They are rude and mean and I 'm tired of it. They 're bullying tactics are unbelievable. I asked to have my original loan papers sent multiple times and have never received them. I just need help I 'm so frustrated. Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 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: TX

Complaint narrative:
I have multiple federal and private loans with Navient. After my wife lost her job I was the only one working and made attempt to get lower payments and Navient would not work with me so at that point, I was unable to make any more payments as the payments they want me to make are well over what I could afford. Since then collection attempts have begun, and they are not only calling me 7+ times a day from a robocaller but also calling my family or anyone that has had contact with me. They have left several messages indicating that they need to get in touch with me " regarding your student loan ''. They also have denied me any deferment or forbearance as they state I do not have that option any longer. The funny thing is I am still in school yet they refuse to work with me so I cut all contact with them. They continue to harrass not only myself but also family members, they have called my parents giving the same information. By giving 3rd parties information about my loans I believe they have broken the FDCPA. They have called my wife stating " this is XXXX from Navient calling for XXXX in regards to his student loan debt ''. My wife said they do not have the right to keep calling her and she said they have every right to call her. They called my cousin today asking for him to get hold of me regarding my " student loan debt ''. The harassing calls also are becoming too much to deal with, calling 7+ times a day, calling and hanging up and then calling right back, calling from multiple different numbers. I plan on seeking an XXXX as I feel that they are breaking the law and harassing me and my family members as they will not work with me. They also put on my online account my work number after I have never given it to them. They called my work and also left a message stating they were calling regarding my student loans. Phone records and/or other documentation that may be needed can be requested if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have filed a few complaints against my lender, Bank of America.I never see any follow up with the CFPB.My life has been ruined by BOA and no matter what proof I have or what I write nothing is done.I went thru some hard times and fell behind.I have done everything gone everywhere to save my home.I should have never gotten a loan to begin with because my income could not support the loan.They knew that I would fall behind and they would take my home.I never got a rescind letter with my loan and in XXXX I mailed to BOA that I want out and they never even replied.They are guilty of so many wrong doings but nobody does anything so they continue and get away with it.I filed so many documents and they told me ; they told me they never received them or I send them to the wrong address or fax number, even though they gave me the numbers.As I said all along all I ever wanted was an affordable payment to save my home.They have dragged the process so long so the amount I owe makes my home unaffordsble to me.This is what they have been doing to me since 2009.They always wanted to throw me out of my home.They lie and make up stories to make it look like they have been trying to help.They have XXXX me at every turn.The end result is they want to take my home away from 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 explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
One month, I paid only XXXX % of my credit card bill ( due to an oversight ). Bank of America charged me interest on 100 % of the bill, rather than the 5 % I owed. This amounted to over 40 % interest in a month, or a APR of over 5500 %. 

I called to complain, and they reset it, but this is presumably happening to many BoA customers all of the time.

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 2016-09-15 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: AL

Complaint narrative:
I 'm a former Student of XXXX XXXX XXXX. I XXXX in 2010. The school has always been a fraud. A couple of years ago, I tried to get loans discharged through Navient due to fraud but they shut me down. The school did not live up to the expectations. It defrauded students into believing they would walk out with job offers and high salaries. On top of that, too many students have loans including private that they did not take out themselves. The school applied and signed for them ( including me ) and never shared the paperwork. Now that XXXX XXXX has been proven to be that way, I would like my private loans removed. I 've already sent a Defense to Repayment for my federal.

Company response to consumer: Closed with explanation