vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-21 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: IL

Complaint narrative:
I went to XXXX and I have a small federal loan that I can manage each month ( {$65.00} ) I also was duped into private loans and when I called XXXX XXXX they said " we have options do not stress go to school. '' I moved out of state had a hard time with jobs and filed chapter XXXX. My attorney was an idiot and kept dragging his feet and because of this I defaulted and he would n't file other paperwork for me. Someone please tell me how I will pay off XXXX on XXXX a year. This is n't a joke nor did this need to happen. Some people really need help and need this removed in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CL Holdings LLC
State: MO

Complaint narrative:
Continuing to contact me at my place of employment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
For over one year I have had no access to my student loan account at Navient.com. I have reached out to Navient countless times. I was told that my social security number was associated with some one else 's name. I was referred to the fraud department at Navient. I was told by the fraud department that the problem was cleared up, and that I should be able to log on to my account, I could not.I called back a XXXX explained my problem, I was then told to mail a copy of my social security number to Navient.XXXX XXXX, XXXX XXXX, XXXX, XXXX. I sent the copy as requested, when I called back I was told that they never received the copy, I expressed my concern about my social security number being misplaced and mixed up. At that point I was instructed to fax a copy of my social security number. I did. I still have no access to my account. Against my better judgement, I paid my payments over the telephone using my debit card. I expressed my concern over this because of the way my social security number was handled. I have spent countless hours on hold, unable to get answers as to why my social security number was associated with someone else 's name, if it was resolved and how, if someone has access to my social security number, and what happens to the copy of my social security number. Further more, I am afraid of derogatory remarks on my credit report due to this situation. My credit is less than stellar, but I have been working very hard to improve it, with success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I been trying to waive XXXX of my loans due to school closure in 2014. All the people at Navient just keep giving me the run around. They tell me I need this and that and once I provide the information. They all of a sudden say I need something else. I provide that information again and once again am told that I need something else. Are you kidding me? They put you through a loop so you can just give up. I am tried of their games. Why ca n't they do their jobs and get this taken care of. Waive this loans were something so simple and yet turned out to be something that is taking longer than 3 years to do.. I am now still waiting on them to submit me a letter so I may take it to another school to confirm that my credits do n't transfer. This is so unprofessional how they are handling my loans. The dean over at XXXX of the schools never heard of the lender requesting a letter stating that my credit do n't transfer. I this this is XXXX. it is just another loop to keep me hanging and not processing my request to waive XXXX loans due to closure of the school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: IA

Complaint narrative:
Hello, Navient continues to call me as well as leave messages telling me they need to talk to my son, XXXX XXXX. They also say they need his contact information. They call repeatedly. I do n't have any updated contact information and I do not want to talk to them. I have co-signed loans with them and they are all current. I asked them to stop calling me, and they said they would put my number on the do not call list, but they keep calling. The number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2015 I tried to deposit XXXX checks into Bank of America 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating " We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Bank of America 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Bank of American 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying " due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 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: MA

Complaint narrative:
I took out a student loan from Navient ( at the time XXXX XXXX XXXX when I was in college at XXXX XXXX. My senior year, I needed an additional loan, so I went back to XXXX XXXX, and because I did n't know anything about borrowing money or taking out loans, they offered me a loan " just like my first one ''. It turned out that that loan had nearly twice the interest rate. After college, the job market was terrible and I did n't make much money and was just paying interest. As years passed and I got a good job and made more money and XXXX XXXX became Navient, I made MORE than the minimum payments for years to Navient - but little was changing with the impact in my student loan debt. I did research and reached out multiple times, and what they were doing was, taking my {$200.00} per mo payment, putting as much as they could towards the interest on the high interest 2nd loan, and the rest towards the interest and principal ( the little that was left ) towards my lower interest first loan. I was treading water essentially for years ( I also have had another loan with XXXX XXXX, and I still have one with XXXX XXXX XXXX that has changed hands multiple times ). When I reached out, I told them I wanted to adjust the percentage of how my payment was being used. They told me I could n't. They lied about a few other things and then eventually they told me that " they have no control over how the money I pay is allotted to my loan sequences. '' So I saved my money, and when I had enough to pay it off in full, I called back and said that I want to pay it off. They said it would be hard, they may not be able to do it, excuses, excuses. It took months, but I had to write an actual letter and mail it, asking for my loan sequences, asking for payment amount. It took them forever to respond. I then had to write an actual check to pay it off. In the meantime after I uncovered this awful practice, I paid months of interest during this process ( on top off all the shady business practices they had that made my payments go towards little of my principal ) and I finally paid it off. If i did n't have the money to pay the lump some a few years ago ( around XXXX or XXXX ), I never would have been able to do anything. I was given a predatory loan when I was in college and they used predatory practices to keep me in debt. I still have that first loan remaining with them and 10 years after graduating, I can say that this company has done a lot of negatively impact my life and I 'd like to join any lawsuit or class action lawsuit against this company. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: OH

Complaint narrative:
They refused to take the payment I offered them, they are trying to take me to court for " not paying '' so I was just going to start paying on my loan, but I 've heard horror stories and I was scared to give them MY bank info because I ca n't afford for them to take whatever they want so I asked my roommate to use his card and I would give him cash to try and stop them for taking extra money ... and it says I have to be the account holder ... why are they allowed to refuse money? My mom and others said they do this on purpose and they are going to take me to court ( by sending mail to an address I do n't live at about going to court ) and have the judge grant them the right to take money from my paychecks. I live paycheck to paycheck and I offered to pay my extra money to them. they said no it has to be more, and by more they said XXXX. Im trying to work up in a company and I started at the bottom. I plan to pay it back, but right now I 'm not making an extra XXXX dollars a month

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 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: CA

Complaint narrative:
On XXXX/XXXX/XXXX I was approved for a Bank of America ( BOA ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the BOA representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Bank of America. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my BOA representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called BOA back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to BOA with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact BOA multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to BOA, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that BOA XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America denied my loan modification application in a letter dated XX/XX/2017. The denial letter is attached. Bank of America stated in the denial letter that I was not eligible for " Repayment Plan '' or " Capitalization Modification Program '' because " your account does not meet the delinquency requirements under program guidelines ''. 

In response to these specific denial reasons provided by Bank of America, I sent Bank of America a request for information dated XX/XX/2017, to confirm that Bank of America correctly evaluated my loan modification options. The request for information is attached. One of the questions I asked was What are the delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''? 

Bank of America sent a response dated XX/XX/2017. Bank of America 's response is attached. Bank of America failed to provide the requested delinquency requirements for " Repayment Plan '' and " Capitalization Modification Program ''. 

Since Bank of America denied my loan modification application with the reasons that " your account does not meet the delinquency requirements under program guidelines '' for " Repayment Plan '' or " Capitalization Modification Program '', I am entitled to the information when I request what those delinquency requirements are. I, as a consumer, have no way of confirming whether Bank of America correctly evaluated my loan modification options when Bank of America refuses to provide the delinquency requirements that Bank of America used to deny my loan modification application.

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 2015-03-24 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: CA

Complaint narrative:
I received a private student loan from XXXX XXXX ( now called Navient ) for XXXX, XXXX, and XXXX. When I XXXX I had the loans consolidated in XXXX XXXX through XXXX ( now called XXXX XXXX XXXX ). I was still paying off federal loans through Navient, and in XXXX my student loan payment increased and I thought it was because my federal loan repayment plan changed. I continued to pay through XXXX. 

After speaking to a financial advisor and looking at all my documents they said that I have been paying XXXX companies for the same private loan. I was shocked and upset. I called Navient and they told me they had no record of a consolidation filed. I then contacted XXXX XXXX XXXX and sent Navient copies of the cleared checks they received and all of a sudden it showed up on their documents. When I last spoke with a representative from Navient they changed their story saying there was a consolidation and that what I have been paying for since XXXX is the interest due on the private loans. That makes no sense, because the consolidation from XXXX covered all my private loans thus I would have no accrued interest owed to them. I have contacted Navient saying I will not pay the rest of the balance because I have been charged by mistake, and sent them all the correct documents, yet they continue to call me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
Not only is it very hard these days to pay such expensive student loans with everyday living, but I feel I have called so many times since ive had my loans XX/XX/XXXX and it just seems impossible. The first couple times they were lowered but when I called XX/XX/XXXX they told me i could n't lower them and there was nothing i could do until i paid off my loans. I get it but a very high monthly payment on top of living in the US is not a easy thing. These company 's need to start working with the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: OR

Complaint narrative:
I am the co-signer on my daughters student loans. There are XXXX separate loans for a total of app {$70000.00}. She was required to start paying them back six months after graduating from XXXX in XXXX. At the same time she was to start making payments I had to file a chapter XXXX bankruptcy. Navient immediately told her she did not have to make any payments while I was in bankruptcy ( they automatically put her loans into forbearance ) when my bankruptcy ended in XXXX they had tacked on a additional {$23000.00} in interest and immediately stated harassing the both of us for repayments. I do not think it was right for them to put the loans into forbearance because I was in bankruptcy. She never filed bankruptcy and was more than capable of making the payments for the past five years. Now she owes app {$93000.00} instead of {$70000.00}. I have been helping her make the payments for the last six months. My main concern is the extra {$23000.00} in interest. It seems what they did should be unlawful to automatically put her loans into forbearance and tack on that much interest which is going to make it even harder to stay current on these loans for the next 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted documentation to the short sale Deed in lieu ( DIL ) specialist/ Veteran Affairs deed in lieu point of contact appointed by Bank of America ( BOA ) in XXXX 2011. I subsequently received and submitted notarized paperwork from the BOA attorneys working to complete the DIL. The expectation was that I would receive a final no further contact in form of letter when process completed, however I would receive 1 ) a release of the title ; 2 ) cancellation of the mortgage ; 3 ) record release of the mortgage ; 4 ) report cancellation of mortgage to credit reporting agencies as deed in lieu of foreclosure ; 5 ) report cancellation of debt to IRS ; 6 ) and final settlement paperwork upon request. I only received the XXXX IRS tax documentation with regard to the DIL. I did not receive my receive any of the other agreed upon items and when I requested the final settlement paperwork the attorney denied I had completed a DIL. Subsequently, I had the loan sold to another bank and the property was foreclosed after repeated attempts to complete DIL 's.

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 2015-12-22 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Representatives from Navient continue to call and harass me about my daughter 's student loan. It is not my loan and I am not a co-signer on the loan. The most recent call was XXXX from a woman named XXXX she left the number XXXX XXXX XXXX. They call me at work and at home. I have asked them to stop calling me but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
Asked for mail only corespondence after emailed notice never received such mail.

Company response to consumer: Closed with explanation