vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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: PA

Complaint narrative:
I have attempted to work with Navient several times to lower my payment due to hardship ( STD, and the fact that I am a single mother- head of house hold ) attempting to pay back my debt, but my student loan repayments on their income based repayment plans are more than 50 % of my monthly income. I am now in debt with creditors, can no longer afford my mortgage and even groceries are a struggle. I would never have gone back to school had I known I would not have been able to afford to live and provide for my children with this level of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been wrestling with this loan payment since graduating in XX/XX/2008. Hindsight being what it is, I was not so subtly guided towards taking a loan out from Navient ( then XXXX ). While I have been able to temporarily reduce payments by way of forbearance or interest reduction rates, they have been just that -- temporary. What there is no transparency of or any information relating to is how temporary these " assistance '' programs are. You are only allotted up to two years of forbearance relief before they simply tell you, " You ca n't renew this program as you have used up your allotment '' without any warning leading up to it. The reduced rate interest programs are good for a year. You can continue to attempt to apply for them, however even if you are accepted your base monthly rate will still increase. My reduced monthly rate went up 61 % from the first year to the second. When I tried attempting to go for the third year, I was told that I make too much money, and now my monthly payments are higher than what I pay for rent. Terrible practices, not enough information, and no relief programs in sight. Borrowers beware : Never take a private loan unless you are 1,000 % certain that you are well within your means to pay it back immediately! Unless I find some relief, this will be hanging over me the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
I have been dealing with DHI mortgage company for over a month to close on a house. I signed all my documents except for ones which contained numbers. I did that because the numbers were wrong. It took them the longest time to get back to me with the numbers and then when they did they were still incorrect. I had to follow up with them on whether everything was handled. Now we are XXXX business days from closing and the want me to resign all initial disclosures because they stated I never signed them. I am extremely frustrated and feel as if they have been highly unorganized and unprofessional. They still had me submitting XXXX up to XXXX weeks ago when I submitted all these items over a month ago. They also have not been good about going over the numbers with me either.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of Identity theft since XX/XX/XXXX. I have sent police reports and letters to all the Credit Agencies ( XXXX, XXXX, and Equifax ). All credit bureaus have remove fraud information from my credit except for Equifax. I have filled over XXXX different disputes in the pass couple month trying to get my credit fixed so I can get my life back. I dont have a simple checking account to this day. Because Identity theft has left my name and credit torn to shreds and it sickening having to deal with a Credit Bureau who are not will to help when they have all the supporting document they need to remove this fraudulent infomation. Please help me. I dont know what else to do. Equifax disputes in the past couples month ( XXXX ). That is fraudulent information needs be removed ASAP and their company needs stop allowing fraud info to be added to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX/XXXX/XXXX Monthly Date Closed {$1300.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes *Department of Treasury ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of {$670.00} XXXX/XXXX/XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX XXXX ) XXXX Date Reported XXXX XXXX/XXXX/XXXX {$650.00} XXXX XXXX {$650.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Open ; Type of Loan Deposit Related ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: FL

Complaint narrative:
I 'm making payments of {$240.00} for XXXX subsidized loans and XXXX unsubsidized loans. When I 'm paying down the balance which has all the interest calculated in, I realized the balance was only going down by {$30.00}. I was told by Navient it is because I was on forbearance before and I 'm paying {$200.00} of interest for it. Should n't that still reflect in the balance because I 'm paying on interest? Last month my Total balance was {$42000.00} than I paid {$240.00} and my new balance is {$42000.00}. {$25.00} is all that went to my balance. It just does n't add up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a monthly recurring payment with a vendor. In XX/XX/XXXX I notified them in writing that I was revoking their right to put charges that credit card, or any others they may have on file for me. 

I also called my credit card company, Bank of America, and told them by phone that this particular vendor was no longer authorized to charge my card. The customer service rep for Bank of America told me they could not block charges for any reason. 

In XX/XX/XXXX the vendor put through XXXX charges, XXXX for {$550.00} and XXXX for {$2700.00}. I disputed both to Bank of America, but the bank ruled in favor of the vendor, even though I showed that I had notified said vendor, in writing in accordance with the law. I have the email trail showing that they received and acknowledged receipt of my notification.

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 2017-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have several complaints and issues wirh my loans. First of all, the school that my ex husband & I attended was closed soon after we left. We find out that the credits attained through the programs there were not transferrable to a 4 year university, therefore, I had to stsrt all over again through another accredited college. The aid I received was not beneficial and attending that school, XXXX, was a waste of 2 years. Secondly, my husband & I are now divorced but since the loans were consolidated, they are on my credit negatively and I 'm told there is nothing I can do to separate his loan from mine. That does not make sense as we are divorced. According to our divorce decree, he has been ordered to pay his portion of his student loan debt which ca n't even be enforced so it is affecting my credit negatively. This needs to be changed immediately!!! The circumstances under which we received the loans in the first place were WRONG. I 'm so upset by how this is still affecting me years later. If there 's any way to resolve this issue I would be truly grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX I purchased a home in XXXX, GA, as an investment. I initiated renovations on the home and as I improved the property in hopes of renting the home, it was repeatedly vandalized and expensive items were taken from the property. These crimes caused me to not be able to complete the renovations and subsequently pay the mortgage. The lender, Bank of America, in XXXX notified me of foreclosure proceedings and since I was out of state, I could not monitor the property. The bank winterized the home, boarded up the windows, and placed a for sale sign at the front of the property. In XXXX XXXX, I was notified by XXXX XXXX XXXX XXXX XXXX to clean up the property to avoid a citation and fine for non-compliance for the upkeep. Upon further investigation, the County still listed me as the owner of the property and Bank of America never recorded a transfer of the title. After a laborious effort in trying find answers from Bank of America regarding the property, I was told that they confirmed the property was foreclosed upon and I would receive notice in the mail. In XXXX XXXX, Bank of America sent me a release of debt for the property rendering me responsible, to my surprise for the previous five years of property taxes. Today, as I am now aware I am the owner, the property taxes and penalty fees are more than the value of the property and prospective buyers are not willing to buy the property for obvious reasons. This practice by the bank appears to be a common unscrupulous act that I am now a victim of to include the municipality for not receiving it 's due taxes.

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 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Bank of America, where it was Faxed to the Bank of America XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.

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 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
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: FL

Complaint narrative:
Ever since I graduated and went into repayment they have been extremely difficult to work with about paying my loans. I owe an outrageous amount of money and therefore they want me to pay an outrageous amount each month. I ca n't afford the payments they want me to pay. I 've applied for XXXX every year and request to lower my monthly payment but they are extremely difficult to work with and do n't seem to really care about my financial situation. I literally have to go without groceries just to pay this bill because I do n't want to default on my loan and have that reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 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: SD

Complaint narrative:
Our Parent Plus Loans are serviced thru Navient Student Loan Center. I should be eligible for a 6 month payment waiver as of XXXX XXXX for making all payments on time. I contacted Navient for this benefit, and was told I did not qualify as in XXXX of XXXX a payment was not made? I told them that at that time a payment was not due as the loans were paid ahead. I had been paying {$450.00} - {$500.00} per month on the normal {$310.00} payment for several months. I thought everything was ok, until now when requesting the payment waiver. They are saying I am not eligible, a supervisor looked at it, and that was only a promotion and is no longer available, The thing that frustrates me is I was never told this, plus in XXXX XXXX I was told not to pay the loans ahead or they would not be eligible as they would payoff early. I switched the loan payments from {$350.00} back to {$310.00} as you can see on the payment history. Please help me understand how my loans paid ahead were delinquent and ineligible. Thanks for looking into this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Bank of America to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
For the second time in a year Bank of American has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to " possible compromise '' of the account number with an " undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the " undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Bank of American saying they did not have it and was advised by XXXX. There is no one to contact at " XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news?

Company public response: Company 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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am XXXX of the many that Navient has pushed toward forebarance for the last few years. They locked me out of my online account and have sent me XXXX different emails within the last couple of weeks with XXXX different payment amounts for my next payment due on XX/XX/2017. On XX/XX/2017 the email said my new payment would be {$130.00}. On XX/XX/2017 the email gave a payment amount of {$140.00}, then on XX/XX/2017 the payment amount is {$220.00}. So I do not know what is happening with these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Case number : XXXX recently submitted a complaint about Bank of America in regard to my mortgage loan. I received a phone call from Bank of America when I was at work and when I was explaining to the lady that she can call me after XXXX EST, she said her office hours were until XXXX, pacific time, and that she could not call me and started threaten me to take some exaction. I interrupted her to explain my situation, but she hung up the phone on me before I finished explaining. As far as I know, she could call me when I was at home because she would still be working when I get back home. I ca n't provide security information on the phone form my job because I do n't have a private office. In less than a week I have received XXXX letters concerning the foreclosure issue, which in my dictionary that constitute harassment. 

I still receiving letters every day about foreclosure when my account is up to date. I just posted my current month payment from my bank because I ca n't even access my Bank of America account online to see any information at all. 

Then bank has closed any accessibility I have to my mortgage and is harassing me, and threatening me of losing my house which I am not going to take lightly. I ask this agency to please help me regain my peace of mind, taking care of this nasty corporation that does not help clients at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24 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: TX

Complaint narrative:
Over the course of the loans I had taken out I was steered in the direction of forbearance options many times and only offered help in reducing payments one time as XXXX XXXX. Then as Navient took over that option was taken away. After taking out $ XXXX in loans I will be paying back $ XXXX to satisfy the loans on the current plan. I pay more for my student debt than the mortgage on my $ XXXX house!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: MI

Complaint narrative:
Navient complains that I do n't pay on time but they now have disabled my online account further make me miserable, and more importantly, impede my ability to make payments or down load forms that I need. They insist that I have to call them and then put up with their rude and abusive attitudes and comments. I could by just fine if I did n't have to talk on the phone with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: GA

Complaint narrative:
I was contacted by navient ( XXXX XXXX ) on XXXX XXXX, 2015 at approx. XXXX spoke with lady ( never gave name ) who advised me the status of my account. She advised me that I was 2 months behind at the beginning I told her that I could not pay until XXXX and XXXX/XXXX/2015, she advised me that she needed me to pay today or this month. I told her that I could n't she said that my account would escalate and they would start calling my co-signer. I feel very threatned by navient, I am not sure why she would tell me that my co-signer would be contacted, she is already called XXXX times a day so what changes now? I then asked her for a supervisor over XXXX times, and she never transferred the call. She said to me that she needed to know why I wanted a SUP I advised her to complain on her she still continued to speak and make me feel " threatened " and upset. I am currently suffering from a XXXX in which I am not allowed to have any XXXX and this is why I fell behind in my payments. She made me feel like I did something wrong and worse than I already fill. I then had to call back and request another rep XXXX to speak with a SUP he transferred me immediately. In speaking with the sup he advised me that I could set up my arrangement for XXXX and XXXX as previously requested and in addition he advised me that they had the correct card on file that the very rude rep I spoke with first did claims that I did not have on file. In summary, I feel that Navient has mislead me, harassed me and threatened me about my situation please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
I checked my credit report I seen that a collection was brought forth to me from central Fincl control back in 2013.

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