vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Student loan provider only offered limited solutions to help me. Due to a medical issue Ive been out of work and unable to afford my payments, Navient representatives have made it seem like my only option was the amount that they requested and nothing less.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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: IN

Complaint narrative:
Navient is my loan servicer. I tried to renew my IBR plan and had to go through several different websites to do so, and then submit paperwork on top of it. They dragged out the process so the loan went into a high dollar repayment even though they had my submissions two weeks before the due date. Now they are saying I am late. Because I am not working, this means going from XXXX to over {$900.00} payment which I can not afford!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 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: MI

Complaint narrative:
I am a cosigner on a student loan owned by Navient. The borrower has moved out of the country and is not responding to any collection activity. This loan was originally a XXXX loan for {$6000.00} in 2004. I have made several attempts to settle this loan only to have the borrower put it in forbearance and Navient ceased to communicate with me. When the last forbearance ended no payments were made. Since XX/XX/XXXX I have been attempting to settle this account. I have been trying to provide a cosigner waiver payoff, for {$4000.00}, an amount that I did not think was fair, however I was willing to pay it to be free of the harassment. I refused to give them my back account information and wanted to receive written assurances that I would be free and clear of this debit. So far, they refuse to give me a routing number so I can make a wire transfer. I have been told so many different things by people claiming to be a file manager ( that can not access my emails to them or the ones they have sent to me ) that it is pointless to speak to anyone on the phone. Recently they told us that a check from a bank we have never used bounced and that our cosigner waiver was null and void.

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: MD

Complaint narrative:
Repayment plans are ridiculous unreasonable! Also fees change so much I have no clue what exactly is the correct amount I owe anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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:
Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
Hi I was informed on XXXX that i had XXXX bills at my moms house My niece who i havent spoken to for years got my ss # and tried to establish numerous accounts XXXX in particular allowed her to use it montgomery ward for XXXX for a small netbook i found this out my tracking the package an the post office in turners falls told she called an asked her to hold it for her i told them i 've been scammed an told them i will pick it up with the police to send it back as of now case is ongoing Her name is XXXX i meet with the detectives monday am i did credit card check an she tried numerous times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While employed at Bank of America, I made contributions to a Health Savings Account ( HSA ) during XXXX. I was fired from Bank of America on XX/XX/XXXX. 
On XX/XX/XXXX I logged on to the Health Benefit Solutions website ( https : //benefitsolutions.bankofamerica.com ) and saw that my HSA account has been charged a " maintenance fee '' of {$4.00} per month, beginning on XX/XX/XXXX. 

I called Bank of America Health Benefit Solutions, where a representative told me that my HSA status migrated from " Group '' to " Individual '' when I was fired, and as an " Individual '' I was subject to this {$4.00} per month " maintenance fee ''. This fee supposedly covers expenses for Visa debit card transactions and the mobile app. When I asked to speak with a Supervisor ( XXXX, Agent ID XXXX ), I explained to her that I was never notified of this fee. Moreover, my account has not been " active '' in terms of generating new transactions, so I see no valid explanation for a maintenance fee over this time frame. XXXX said she was unable to waive the fee unless I had a private wealth management account with Merrill Lynch.

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 2017-04-03 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: DE

Complaint narrative:
My loan was transferred to Navient from XXXX. I contacted Navient to set up a payment plan or deferment. I was told to use the website to handle this. I submitted my paperwork and was told that I was denied because I submitted the wrong paperwork. I then resubmitted the correct paperwork and was given a forbearance. My complaint is that they have 90 & 120 days late on my credit report six times because I have XXXX loans. The time they are reporting late, I requested it go back because I was miss informed. In addition, the months reported are XX/XX/XXXX and XX/XX/2016, but XX/XX/XXXX and XX/XX/XXXX report OK. This is severely affecting my credit score in a negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: NY

Complaint narrative:
My original consolidated loan was {$42000.00}. In hard economic times as I fell behind in my payments I would get calls in the morning, afternoon, evening and even wee hours of the night from extremely rude individuals from the other side of the world. I was called a deadbeat ( imagine that with a XXXX accent. Against threat after threat of default and the devastation that would ensue I was convinced to defer ... defer ... ..defer. A move that would add outstanding interest into the loan amount and assault me at 8 %. My current loan balance is {$140000.00}. 
I wrote the executive level of Then Sallie Mae and I received a phone call from a woman ( her name escapes me ) who told me regarding the tripling of my loan in interest ( by the by, I am paying interest on interest, on interest at this point ) " XXXX, it 's like paying off a house mortgage. '' Baffled by her ignorance I replied, " Hence you get to XXXX me in interest for the rest of my life and I have nothing to sell to retire on ''. 
I entered the IBP program with the understanding that 10 in years ( as described by a Sallie Mae employee ) I would be eligible for " forgiveness '' : On a yearly basis I would call in to reapply for IBR and would reconfirm that I was a year closer to the ability to apply for " forgiveness ''. Last year, as I approached my 10th year of IBR, when I called in for the application for IBR I asked the associate how I start the forgiveness process. She confirmed that I was at the cusp of being able to apply and that she would send me the application and forms to fill out via email. 2 days went by now email. A week went by no email. I called back and again was told I would receive the forms via email. Once again, no email. 
After months of phone calls and finally reaching the office of the advocate ( who quite frankly only advocate for their CEO ) I was told, very rudely, that I was in a 25 year IBR program and basically I was an XXXX for not knowing that. 
I assume you can imagine my disdain for Sallie Mae, XXXX or any other predatory lending institution that hide behind legislation to interest XXXX American citizens with deceit and hard interest rates. 
Of course to add insult to injury, I earn slight too much annually to write off my interest paid on my annual taxes, the amount is a ridiculously low threshold for thse of us living in XXXX. 
Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26 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: NY

Complaint narrative:
My loan servicer is Navient. Not only are the not helpful but they refuse to lower my interest rates which have risen to nearly 10 %! They are a scam. No where in my contract did I ever sign up for interest rates that high - and that is not all. The amount of money that I originally borrowed ( I have private loans ) is significantly lower than the current amount I owe - mostly from interest accruing while I was in school. This is not fair and I know many others whom have written complaints about Navient and their unfair practices. They also refuse to help me lower monthly payments. My payments are running nearly $ XXXX/month - which is impossible to afford with my current salary. Something needs to be done for students in New York with private student loan issues because we do not have the repayment options that federal loans have. 

XXXX XXXX

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

Complaint narrative:
I had XXXX student loans open with Navient at varying interest rates. I enrolled in auto debit to take advantage of the interest rate reduction offer. I also worked to pay down my higher interest loans first and have paid off XXXX of my highest interest rate loans so far. However, when I make additional payments to a loan I am paying down, my auto debit payment is not allocated properly. When I make a payment on a higher interest loan, the normal amount is still deducted from my bank account for the auto debit, but this amount is only partially applied to the loan it is specified for. Most of the money deducted from my bank account is allocated to lower interest rate loans rather than putting the money towards the high interest rate loan I am working on paying down. 

For example, let 's consider I am paying down loan XXXX out of XXXX loans. When I make an additional payment to loan XXXX the auto debit for loan XXXX is then allocated to loans XXXX-XXXX along with the normal auto debit payment amounts for loans XXXX-XXXX. This is essentially keeping the principle with higher interest rates high while sending the money to lower interest rates loans. I have called and complained about this. I am currently paying down another high interest rate loan and I had to request to remove the loan from auto debit ( and accept the higher interest rate ) so that I can control how my money is allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has destroyed my credit and I have been trying to correct it for 4 years, just recently I paid off my home and was late XXXX XXXX and XXXX of XXXX because of escrow. Bank of America put my account as closed and not paid with the credit bureaus and has added lates for XXXX a whole year, XXXX put lates on my account which is not true and my score has dropped to the point of not being able to obtain another home loan, I am very upset and need assistance, this has happen to me before with Bank of America they even lied when I was modifying my home loan. I need help!!! I have had enough this is keeping me from getting a home again and it is not fair. I have disputed with their credit department, and all XXXX credit bureaus, but I need someone else to audit their records and help, I can not keep going through this with them especially after paying off my home loan. Any assistance would be greatly appreciated. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-23 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: OH

Complaint narrative:
Navient is making it extremely difficult for me to switch to the " repaye '' program that was made available to borrowers. My loans qualify. Currently I am on the income driven repayment that alows for XXXX % of Disposable income. Navient originally told me I would have to pay XXXX ( or whatever I could afford to switch ), when I called to switch I was placed on hold ( service rep ) spoke with supervisor who told her to tell me I am out of forbearance time and they would require a XXXX payment to switch me!? ... THey refused to switch me for XXXX ... Navient originally misinformed me of the possess to switch and then demanded more money for me to switch to a program I am entitled to. Sad this organization is permitted to mislead and use these deceptive practices. 

Thank you for taking the time to view my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07 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: VA

Complaint narrative:
As a former college student, I have a few private loans with Navient ( formally known as XXXX XXXX ). I have experienced nothing but frustration when it comes to attempting to negotiate payment plans. Because the loans are private, I have few to none available options. I was recently linked with Navient 's Customer Advocate Department after a previous complaint with CFPB in XXXX, and I have still gotten nowhere. I have talked to numerous representatives that have not " advocated '' for me in any shape or form. Most recently, I have been waiting since XXXX to find out if I was eligible for a Loan Modification Program, and was recently informed by a loan officer while trying to purchase a home, that my loans currently reflect that I am to pay $ 600/a month, which I was informed is because I have a late payment. I was continuously told by Navient representatives that if the Customer Advocate Department is working on my loans, then they will not be late. Obviously not true. This process has been nothing but frustrating and as a hardworking woman, I have struggled with being able to make payments that are expected. I have consistently made payments, when I was able to pay what was expected, every month, on time, even paying a lump sump payment towards XXXX loan. Navient has made me question being a XXXX, especially considering that my income is not sufficient to pay what is expected. Speaking to Navient representatives to like speaking to someone who speaks a foreign language and has no clue of what I am talking about. This has by far been the most frustrating process, and I have yet to get anywhere after writing complaints, speaking with multiple representatives, and even supervisors. What 's most frustrating, is that the reason I pursued a degree was to be able to provide a better life for myself, and at this point I am XXXX guessing my decision. I would be so appreciative if I could be granted some assistance with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX loans were closed and moved to XXXX, on XXXX XXXX, 2010, however, there are statements on my credit reports that I have XXXX missed payments on XXXX, XXXX missed payment on XXXX and missed payments on XXXX. There were no missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Bank of America refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Bank of America. Bank of America made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Bank of America 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Bank of America refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I live in XXXX. I own a rental property in XXXX, XXXX. Over a year ago, I was not able to pay the mortgage due to increases to the taxes and insurances. I have tried all that I know to do. 
I tried to get a remod on the house. I have tried to get a deed in lieu. To no avail. every 3 months when I think we are about to resolve the issue, they change representatives and I start all over with getting them information. In the case of the final situation, they seem to have lost my information. When I re-sent the information to them, I did not hear from them so I am at a lost as to what other procedures can I follow. My mortgage is just collecting more and more debt and I need a decision to be made now. It is constantly hurting my credit in more ways than one. I need a path to settle this situation once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My home equity loan is being reported as unpaid, late, and and still open. This account was forgiven by Bank of America due to the lawsuit from the Department of Justice. The account is damaging my credit score drastically and I have sent letters to Bank of America twice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have contacted Bank of America and asked for my title to be released through writing a letter of dispute to the BK department who forwarded it to the Lien release department. I was informed today that the bank will not release my lien unless I pay an additional sum of XXXX even though I have a print out showing my loan was at a XXXX balance after making the final pay off amount of {$960.00} on XXXX/XXXX/11. I also was forced to pay an additional amount of {$7700.00} after the XXXX balance statement was given to me on XXXX/XXXX/11. Please refer to my attached letter for additional information

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