vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-29 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:
XXXX XXXX now Navient : 1 ) Collected {$5400.00} during my Chapter XXXX process, and credited me for {$300.00} only. 
2 ) When Chapter XXXX was completed successfully in XXXX 2009, i put it on direct payment. Since then they have been collecting {$200.00} every month. Have now paid {$14000.00}. 
3 ) My credit report says I owe {$29000.00} still. 
4 ) Navient says my payments are for 20 years! So they say my last payment will be when I am XXXX. 
5 ) If I ask for a payoff amount, they say {$28000.00}. 
6 ) Years ago I asked them about the forgiveness program for government workers & they said I had to be paying them for 10 years before I could even get into the program. When I retired 3 years ago, I had given XXXX 29+ years of service. 
Nobody wants to help me. I am so disheartened. 
Please help me! I just want a fair accounting. My loan is 4.875 %

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a loan modification. Bank of America sent me a letter dated XX/XX/2016, approving a loan modification. The modified payment amount is {$2200.00}. Please see attached letter. I mailed the first trial payment of {$2200.00} to Bank of America, N.A., Payment Processing, XXXX. XXXX XXXX, XXXX, TX XXXX. Bank of America received the first trial payment amount before the due date of XX/XX/2016. Bank of America sent me a letter dated XX/XX/2016, which stated that my first trial payment of {$2200.00} was not being applied and was being held " in an unapplied funds account. '' Please see attached letter.

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 2016-09-14 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: CA

Complaint narrative:
I had deferred payments set up while I was going thru a hardship in XXXX when my loan was with XXXX XXXX, then again in XXXX. When I reviewed my credit report the account posted as late. Those accounts should not have posted negative since I called the company and let them know I was in between jobs and needed to defer my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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:
My son decided to try to better himself by going to XXXX in XXXX, he was grown with a family, but XXXX XXXX, now, Navient, insisted he get me to cosign the loan, which I did. He has kept up on the payments for the most part, but they will not give me loan information, even though the late notices and phone calls come to me. He says they will not answer his questions either. When I paid off my student loan, twenty five years ago, I had the same problem. You would think things were better now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
A collections agency, I believe it is XXXX, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. XXXX has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 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: NY

Complaint narrative:
-Good day. I am writing in regards to a 90 day late report that was placed on a cosigners credit report. I have a private loan that is enrolled within a payment program. In XXXX of 2015 I called Navient asking if I could call in my payment two weeks later due to financial issues. The operator that I talked to stated that I could. Nevertheless, my payment showed up late and due to me being in the special program, XXXX late payment backed me up three months ( being enrolled in the program allowed my account to be current, however missing a payment resulted in this 90 day late report, and I am unclear as to why ). My cosigner also got this placed on her report. I am writing because I feel as though this should be removed, specifically from my cosigner who will be needing to apply for a loan soon. I do not want this to mess up her credit, especially since I was given misinformation from the employee at Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-05 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: WV

Complaint narrative:
Navient sent a mass email to myself and 95 other account holders which gave my information to 95 people along with giving me their first and last names along with their email addresses. The email was from a Navient rep stating that I qualified for a new program. Like stated, she sent this email to myself and 95 other individuals which exposed my personal information. She then sent another email to us stating that the email was sent in error. I have been in contact with Navient who claims that they are investigating the email but I am not okay with my information out like that to people I do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST HOME MORTGAGE CORPORATION
State: MD

Complaint narrative:
First Home Mortgage claims not to have received my mortgage payment, despite my bank showing that payment was received and deposited into their account. Instead of investigating this matter on their own, First Home Mortgage required me to do all of the legwork to prove that they had cashed my check. They do not accept emailed images of the canceled check, requiring faxed materials instead. If a check has been cashed by a lending institution, it should not be the borrower 's obligation to demonstrate that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I have a list of XXXX companies that are reporting the same debt on my credit report and its affecting my score the companies are XXXX control, Syndicated Office Systems and XXXX. they all say I owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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:
I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Bank of America to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, " that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been dealing with Bank of America for 5 years now with foreclosure proceedings. I have done XXXX applications since XX/XX/XXXX. All but XXXX have been denied either because they stated they were completed right, or signed in proper places, a box was n't checked or other issues. Each time they stated these things, I have gone back and seen that it was done. I kept each modification because I faxed them in and my lawyer faxed them in as well. 
In XX/XX/XXXX, we went to court and won a judgment due to the fact that they acted in bad faith. At that time I had only XXXX mod applications in. Intrest fees and attorney fees and late fees were dismissed and were not to be charges after a certain date. That still did n't help with money owed. We then went to conferences to get this worked out and get a modification. Still, even when in conferences, they kept saying not completed and missing paperwork and so forth. Kept denying us, even when my attorney explained to them all paperwork was there and filled out properly. The referee stated as well. 
So, we have put in XXXX application and XXXX denied. The XXXX modification they offered was at least XXXX to XXXX dollars more than we were paying for the regular mortgage. This all started in XX/XX/XXXX, when I tried to get a lower payment, and since I was n't behind my first case manager XXXX stated that we could get a 3 month forebarence. Then after the forebearence period we would be offered a modifictation. 
And would n't you know we were not offered a modification ... .. So even when working with an attorney for 5 years were still not getting anywhere. 
ON XXXX XXXX XXXX I HAVE COURT AND I 'M PROBABLY GOING TO LOSE MY HOME BECUASE THE BANKS CAN DO AS THEY PLEASE AND THEY DONT HAVE TO OFFER ANYONE A MODIFICATION. THE BANKS ATTORNEYS HAVE SUB MITED A SUMMARY JUDGEMENT DUE TO THE FACT THAT THEY STATE THERE IS NO TRIABLE ISSUES. I DONT BELIEVE THEY SHOULD BE DOING THIS BECUASE THEY ARE NOT ACTING IN GOOD FAITH. PLUS THEY DIDNT OFFER ME A FACE TO FACE MEETING BEFORE ALL THIS AND THEY BOUGHT MY MORTGAGE FROM PRECISION FIANCIAL. ALL I WANTED WAS TO GET A MODIFICATION SO I COULD AFFORD MY LOAN. THE BANK HASNT COOPERATED WITH US AND THEY HONESTLY DONT CARE THAT MY FAMILY AND I WILL BE HOMELESS IN A FEW WEEKS BECASUE THE INSIST ON NOT GIVING US A MODIFICATION WE CAN AFFORD. I DO NOT BELIEVE THAT THEY ARE FOLLOWING REGULATIONS AND BEING FAIR.

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 2016-03-31 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ), is stating that on XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, wife and husband ( hereinafter " the XXXX '' ) took out a loan with XXXX. ( hereinafter " XXXX '' ). To secure repayment, the XXXX executed a Mortgage with XXXX as nominee for XXXX which was recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX. ( See " Attachment '' ). 
COUNTRYWIDE HOME LOANS, INC., ( D/B/A " BANK OF AMERICA HOME LOANS '' ) is stating that by an Assignment of Mortgage dated XXXX XXXX, XXXX and recorded in the Bureau of Conveyances of the Federal State of Hawai'i as Document Number XXXX, XXXX XXXX OWNED ASSET is now the mortgagee of record. ( see " Attachment '' ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank America made me signed an agreement with out disclosing the interest rate or the new term of the loan. I was just presented a lower monthly rate. I was happy to see the new mortgage rate was low. But after it was said and done. The interest rate remained the same and term.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Creditor is not accurately reporting a mortgage debt to the credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 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: CA

Complaint narrative:
Hello, I would like to make a formal complaint against XXXX in the Navient Collections Department.I set up a payment pay with Navient and they say they took my money out on XX/XX/XXXX. However, my bank manager told me that Navient never took my payment out. I called XXXX and I wanted him to take the payment from my debt card. However, he started to talk smart and then I started talking smart to him.On a personal note, I believe that Navient has workers there who have no respect for people trying to pay their student loans. At first, XXXX did not want to take my payment from my debt card and fought me all the way. Then he told me after the payment went through that Navient was going to double charge me and I could not complaint about.Personally, I just trying to pay my bill with Navient without people like XXXX causing me problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: AZ

Complaint narrative:
Navient reported me 90 days late to Credit Bureaus XX/XX/2017. I was approved for forbearance on XX/XX/2017 to include the months which they reported me. I spoke with the advocate office and they indicated I listened to their recorded terms of the agreement when I was approved for forbearance and they reported accurately. They did mention that they updated the Credit Bureaus that I was no longer past due however that did not remove the 90 day late from my credit report. My argument is this. Navient approved my forbearance for what was past due, which brought my account current with no payment due for those months and my next payment is not due until XX/XX/2017 - than Navient is NOT providing accurate information to the credit bureaus. They are supposed to correct and update the information they are reporting as ( they ) Navients records now show that there was no late payments on my account as they approved the forbearance to be retroactive and delete the past due amount from their records to bring my account current. Should Navient not report this same information to the Credit Bureaus as well? Who regulates these agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
FIA CARD SERVICES - XXXX, this company keeps calling several times a day, after talking to a live person, explaining to them that we do not have an account with them or have any past due account and to stop calling, they continue to call. They claim they are calling from Bank of America. We told them we DO NOT HAVE AN ACCOUNT with Bank of America or past due amount with anybody. 
They continue to call several times DAILY. They are calling for the correct person BUT we never have any account with the company they are calling from. THEY START ASKING FOR OUR SOCIAL SECURITY NUMBER AND THEY WANT US TO VERIFY THE PHONE NUMBER THEY ARE CALLING. THE CALL IS ALWAYS AN AUTOMATED MACHINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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 was charged XXXX 90 days lates in XXXX and XXXX of 2013. I was enrolled at XXXX University in Oregon but i was not using financial aid so i did not do a FAFSA. Years later when i finally checked my credit, I found the late charges and I disputed them. Navient told me that they needed proof of enrollment so i sent them my class list and fee schedule for that semester. They informed me that was n't good enough and requested additional info. I feel like they are just making it hard for me to remove those late payments so they can keep their rates higher. This is double jeopardy. I would like for them to remove both late payments from all XXXX credit reporting agencies. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 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: NV

Complaint narrative:
I was cheated on my education at XXXX XXXX, they did not explain how much I would be in debt from my loans. They do not tell you exactly about who and what they are signing you up to for loans, they just want your signature and get their money. The education they gave me was not worth the time or money they described in the recruitment. The materials were not up to date. A lot of times classes were canceled or textbooks were out of date. Many teachers were not qualified in the classed they were teaching.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Getting Collection Calls from XXXX and never received a billing statement. Filed bankruptcy in XX/XX/2014 discharged Chapter XXXX, submitted income based repayment, never received confirmation after all paperwork submitted. Still unable to get proper documentation regarding the loans. XXXX University also still has a hold on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: CT

Complaint narrative:
I have been called on my cell phone daily fromby an organization identifying themselves as CBE collections. They have asked for my husband XXXX and said they are collecting a debt and want extensive identifying information regarding him. I have asked each time for information on the alleged debt : Amount, Merchant. etc. Each time I have asked for more information the caller hangs up on me. The calls have originated from the following three numbers : XXXX, XXXX, XXXX. 
My husband and I have no outstanding debt. No collection notices. Nothing late and unpaid. 
Please do not share my mailing address with this organization. I was told I could submit this complaint without my mailing address. I am concerned this is an attempt to harass us or steal identity and I do not want to facilitate either.

Company response to consumer: Closed with explanation