vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-17 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: CA

Complaint narrative:
Navient ( Student Loans-buyer of XXXX Original Lender Handler ) Makes harassing phone calls using several Different numbers : Toll Free # XXXX ; XXXX ; XXXX ; AND UNKNOWN NAME { ID # XXXX } XXXX ; XXXX ; XXXX ; XXXX. Also Navient has used a " Shadow '' ID # As : Solution Research A : XXXX ( Source ID verified by call back ). All above # s have been used on Average of 10-12 Times per day beginning at " shortly '' after XXXX Sunday thru Sunday on a constant continual basis. Additionally, the aberrant # XXXX used were evidently created to appear non-descript, however, upon my answer or return call " pick-up '' person would immediately voice a rehearsed disclaimer : " Your call may be monitored or recorded '' no additional comment as is Common on such disclaimer e.g. "... for training purposes. '' Afterward, the Authorized representative would immediately ask me to verify my : Name, SS #, etc. ; and then commence saying '.. .we are Navient Student Loans Attempting Collect and Outstanding Debt. BUT although I have spoken to separate individuals on multiple occasions regarding my debt and financial Inability to pay : apparently, it did not matter. I was transferred to several others to discuss my financial indebtedness but to no avail. SO I have refused to speak again on the matter Knowing I will go through the whole matter again i.e., It now has become HARASSMENT! 10-12 calls per/day on XXXX primary XXXX # in addition to the flagrant use of the others to try and catch me " OFF-GUARD '' i.e, trick me/bait and switch. Finally, given the multiple DIFFERENT numbers used and daily disturbance in violation of California Consumer Law : Debt collectors can not use obscene or profane language, threaten to illegally harm you or your property or your reputation, falsely threaten you or threaten you with illegal actions, cause your telephone to ring repeatedly to annoy you, or otherwise harass or abuse you. ( California Civil Code sections 1788.10-1788.11 ; 15 United States Code sections 1692d-1692e. ) There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.Therefore this harassment as above stated must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: RI

Complaint narrative:
I have been contacting Sallie Mae and XXXX to try to determine who much I paid in total to my student loans before consolidating. They are only able to tell me the amount I paid towards my Dept of Education loans. They can not tell me the amount for the loans that were strictly Sallie Mae. I find this unacceptable and a testament to how fraudulent Sallie Mae and XXXX are as a company and student loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I got a call from XXXX agent over a year ago about not letting my school loan default. Not really knowing much and talking with them I found about forbearance to get them out of default. We did the paperwork and they determined with XXXX kids and my pay I would have {$5.00} taken from my paycheck per paycheck. Then after a year I would get contacted by a new collector. I never did and then a bill from Navient showed up and I had to call to make sure they were n't a fraudulent company. Found out they were part of XXXX and I had just recently paid a CC off so I started sending that money in twice a month towards my loan. So I went from paying {$10.00} that XXXX had taken from my check to {$100.00} a month. Last month I got a final notice letter from Navient. I called and asked why? They said I had n't been making large enough payments and I explained all this to XXXX ( # XXXX ) and asked for all info in our conversation and the paperwork I needed to fill out, to get my payment recalculated as before when XXXX had done so, emailed to me along with conversation. I did receive a email but could n't respond to it and still have not received the paperwork I need to fill out. Very frustrating as I am working hard to provide for my XXXX kids and rebuild my credit score after my divorce and find out they are reporting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IL

Complaint narrative:
I already paid this account. They paid it to another collection company. I had already disputed it and they did n't remove it. I want it removed. I also have proof of it stating that it is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21 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: IL

Complaint narrative:
I co-signed for my daughter student loan a few years ago, now Navient XXXX XXXX ( not sure what company this is ) continue calling me after I told them not to call several times, they use different phone numbers, unlisted name etc. I informed them I will file a complaint and donot call. My daughter is still in school working on her XXXX. and I am sure she will make arrangements once she is done

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: IN

Complaint narrative:
Recently Navient was sued for several issues. I have been with them for years and this past year they had raised my payments SO high compared to any year before that I had to put it on a hold until next year. I would like to be part of this complaint. My name is listed as my maiden name of XXXX XXXX ( currently XXXX XXXX ) account number with Navient is : XXXX. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I signed up for a new XXXX through Bank of America. Via phone, I immediately set up automatic payments to be applied to my account so that my credit card balance would be paid in full on time every month. I received an account statement on XXXX XXXX reporting that my automatic payment would applied on XXXX XXXX. On XXXX XXXX, I noticed that I was charged a late fee and finance charge. I spent 45 minutes on the phone with Bank of America trying to figure out why my statement reported that my automatic payment was all set up, but I was still charged a late fee and a finance charge. At the end of the call a representative waived these charges and attributed the incident to " bank error. '' On my XXXX XXXX statement, it says that an automatic payment will be applied on XXXX XXXX. I do n't know whether to believe my statement, or to assume based on this experience that they are just printing this on my statements so that they can collect late fees and finance charges at my expense, forcing me to call into customer service month after month.

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 2017-03-18 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 am a single dad and im in over my head with bills. I have set up a XXXX dollar a month payment plan with Navient but thats not paying off the interest and my loan keeps growing. This dose n't seem right. I feel like Navient has found a way to make a profit out of me and in the mean time my loan continues to grow. I called them and asked them can they please somehow decrease my loan from increasing and they basically said to bad so sad. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
It has been over a year now that I have been in review for a loan modification with Bank Of America without any resolution. I have been submitting every single requested document without any delay. However, it now appears that they once more have changed the " single point of contact '' that that had initially assigned my file to and I 'm being asked to resend all documents again. I 'm XXXX years old and ca n't afford to lose my home at this point in my life and I 'm respectfully asking for your assistance in this matter.

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 non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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: NY

Complaint narrative:
Bank of America put a charge off on my credit for a credit card I never used. They had the wrong address, the wrong phone number who knows who they were sending that information too. I never knew about the charges on the credit card or what was going on because they never had my information because the person using my account had it. They are taking very long to resolve the issue. I am not happy because the charge off is affecting my schooling, I ca n't get school loans. Bank of America invalid info they had in meXXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-01 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: IN

Complaint narrative:
In XXXX ' I was directed by Sallie Mae ( now XXXX ) to take out Private loans instead of Federal. During my XXXX year I had applied for a loan and was approved. Looking back after investigating it looks as though they also approved a loan a month later in almost the same amount totaling $ XXXX. After school I struggled to find a job and was told to deffer my student loans which capitalized interest. My total borrowed was XXXX and is now XXXX. I make my student loan payments on time but am buried under the student loan debt. I have tried to get answers from Sallie Mae regarding the XXXX I feel we never received and have never received an answer or know what to do. I am currently paying on a " payment plan '' but with the debt and interest payments, I will probably never pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2013 I had bank of America bank account and my ex wrote me two child support payments by check so I deposit them my account. I believe days later they closed my account without me knowing it. So I called and they told me they was closing my account because of two bad checks I deposit so I was XXXX because I had direct deposit but I let it go. So I was threw with banks until I tried to go to a credit union so I could build my credit and they told me no because somebody put fraud by my name and social security number. I called them Bank of America and they told me they do not have fraud by my name. So I need this taking care of because this make me look bad when I 'm trying to build my credit.

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 2016-04-27 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: WA

Complaint narrative:
A fraudulent XXXX loan claiming us to be co-makers of a loan not underwritten by the US Dept of Education was discharged in a bankruptcy action filed in the United States Bankruptcy Court XXXX/XXXX/03, and discharged XXXX/XXXX/03, case No. XXXX. XXXX, now known as Navient Solutions Inc. continues to harass us for payment by referring the account to various collection agencies ( Approximately XXXX at this writing ). We would like this action to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: GA

Complaint narrative:
I feel that the payments are not being applied properly. I have a statement from XXXX showing the principal and the interest that I will be paying over the course of the loan. 
I still have XXXX years balance to pay but I have paid more interest than my letter states. 
I pay on this loan each month. This loan was for our son 's education. We had all the loans combined when he completed school. He later went back to school to further his education. Navient stated that this was deferred because he went back to school and had new loans. This loan that I am paying for is in his name therefore it was placed in deferred status. I explained that payments have been made each month as we agreed and is not deferred. I would like someone to look into this matter. I know I still have a balance and we plan to pay the balance of this loan this year. He attended XXXX and XXXX in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 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: ID

Complaint narrative:
XX/XX/XXXX, my wife and I made a XXXX dollar payment to Navient to completely pay off XXXX loan and pay parts of other loans. We just found out today, XX/XX/XXXX that Navient portioned that money as if it were to be paid as a monthly payment until XX/XX/XXXX. We have been paying interest on an already paid off loan plus XXXX others as if they were not paid. In addition to this, a surprise withdrawal from our bank account of XXXX dollars to Navient was assessed today. Navient has admitted the mistake but seemed to place the blame on an inexperienced customer representative who processed the payment. Nothing has been resolved yet, as no supervisor was willing to take the call from our last customer service rep, who is taking all of the brunt of our frustrations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp.
State: TX

Complaint narrative:
I have asked Senex Services Corp. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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:
Navient is servicing my loans and the balances are getting out of control. I questioning the amounts and practices of Navient. I would like for the XXXX to be verified with my college.

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

Complaint narrative:
I was not well informed by the school or the loan provider about the process and the future implications of the cost of education. Then working with XXXX XXXX and then Navient has been frustrating. I can not afford even the lowest payment they have offered me even though I have a XXXX degree. I am continuing my education just so my loans are in deferment. I know this is not the answer but owing {$180000.00} in private and federal loans, with XXXX small children, making less than {$50000.00}, I have been given no choice in the matter. My hole just keeps getting deeper and deeper and there is no hope in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 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: MN

Complaint narrative:
I disputed an inaccuracy in the reporting from a Bank of America home equity loan. The loan and balance were transferred to another company in 2013. After I disputed an inaccuracy, Bank of America is now reporting my loan as being currently delinquent with a 30 day late status, even though the balance is showing {$0.00} and it was transferred. I was denied a loan because of this and I am very upset.

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 2016-11-04 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.

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 2017-01-20 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:
After taken a loan for a degree seeking at XXXX University I obtained severe high interest, negative credit reporting and debt increase as a result. Unfortunately, I have yet to make close to what I owe and unable to pay as Navient request or make what I borrow since graduating. I do hear that there is also a law suit with the school I attended XXXX University in regards.

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

Complaint narrative:
An umbrella consolidation was done and delayed an additional 60 days to accomdatie NAVIENTS student loans. Eventually based on the information received a check was issued. A review showed the a pay-off check was received an cashed by Navients. However, Navients denied receiving payment and has instead conjured up additional laons from their hidden closet. When will it all end and how far will they go? Please help me to be rid of the fraudulant, underhanded company. 
XXXX

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:
I have an account with navient that I am not aware how I got with this company. I was not made aware that the company of which navient bought my loan from was taking place. It says that I owe {$31000.00} which can not be true and that my highest balance is {$19000.00}. This company has cheated struggling borrowers out of their rights to lower their payments " through shortcuts and deception. '' I have had several student loans obtained when I went to school at XXXX College in XXXX, CT. It says this loan was opened XXXX XXXX, XXXX. I do not know how this is possible when I XXXX in XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation.

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