vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-17 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
I have a XXXX XXXX credit card.I faxed them a letter on theXX/XX/2015 at XXXX. asking for a re payment plan.I received a letter on the XX/XX/2015 requesting payment in full on the XX/XX/XXXX.The letter was dated XX/XX/2015.I made a payment on line on the XX/XX/2015 in the amount of {$25.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.

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 2016-06-09 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:
Ever since Navient stole my student loans it has been a nightmare. No person at Navient has any idea what is going on. I get emails with no information. I get emails telling me to login and view documents. No documents to view. I get emails telling me I have a new payment. I login and alas, no new information. I call the XXXX number and they are clueless. What congressmen got a bribe for allowing Navient to exist???

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am XXXX working with homeowners on modifications of their mortgages. When the modification involves placing the arrears at the end of the loan the permanent modification documents indicate the current principal balance ( ex. {$100000.00} ) and then the balance of the new modified mortgage ( ex. {$140000.00} ). The balances are regularly significantly higher but there is never a breakdown as to how they got to the higher number. There could be errors that are made but the homeowners are signing onto the higher amount out of desperation. What are the arrears, taxes, attorney fees, costs etc that are being included? The banks have to have the breakdowns readily available. They should be required to provide them in the permanent modification packets.

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 2017-02-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I received a {$35.00} overdraft fee in my Bank of America account due to a withdrawal mistake ( funds were withdrawn from the wrong account ). The bank did not send me an alert until the following day, even though I had set up my account to request alerts when insufficient balance conditions would happen.

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 2017-03-15 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: VA

Complaint narrative:
i requested a copy of my payment history from the time i started paying back my student loans to XXXX/navient. instead they sent me copies of my statements. I have requested a loan modification on my student loans and they said that they do not do modifications. I was never informed about a income driven repayment plan. however, I have been paying my student loan since XX/XX/2000. my balance win i graduated was like {$25000.00} and now it 's like {$2000.00}. it doesnt seem like it will ever come down. I went on the navient website today to obtain info. they have deleted my email i sent them and they have added a payment history screen that was not there before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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:
I agreed on a payment of {$50.00} a month. navient took out XXXX my interest went up when I could not pay did not care if I called saying I cant pay this month they will stillk take it out and made my bank acct overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: AL

Complaint narrative:
I had a loan servicer, XXXX, now Navient allow a third party to represent my account with payments, changed address, and phone numbers. In summary I had no control over my account. It was being managed by a family member that I finally took back over after weeks of calling XXXX. During this time and now I have the means to pay and its frustrating that my account was put in forbearance so many times ( which it accrued interest ), as well as not being contacted but the third party about XXXX loans that went late for 90 days ( A huge credit hit! ). I have sent a goodwill letter to have these removed because of all the confusion, but the interest that accrued during these time of forbearance my account was placed, and the general lack of obtaining information from the sole debt holder is troublesome. I have since consolidated my debt with Navient and have my account on Autodraft, but the credit remarks are still there impacting my credit.

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: LA

Complaint narrative:
I 've asked for student loan forbearance to help with my current financial situation. I was denied numerous times. I was given no choice but to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had an credit card account from 2003. After I have obtained my credit card account the original bank of XXXX was merged into Bank of America. Prior to that occurrence, I was late on a payment which I was penalized with a rate increase. This was over 10 years ago. I am current paying a rate of 26.24 %, and have been for over ten years. I have made on time payment every since that late payment, over 10 years ago. I have attempted to get an interest rate reduction, but informed there is nothing available for me. I believe that is absurd. I ca n't be provided any reason as to why that is. This is unfair, I have been making payments where approximately XXXX % goes to bank of America. I would have never chosen in the first place to get a bank of America credit card, as I have disliked their services for years ; and this is a perfect example why I dislike bank of America. BOA has needs to reanalyze how they do business and how and by whom their decisions are being made when involving their clients/customers, as it is them that keep them in business. There is not need to take advantage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got my free annual credit report. I has just XXXX companies with their credit report ; XXXX AND XXXX but not the EXPERIAN. I need the full XXXX companies reports and now I will pay Experian in order to obtain it because it is listed in thre free credit reports but it is not included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I was given an amount to pay each month of XXXX as payback on my student loans XX/XX/2015. 
This year they are charging me XXXX based on no changes in my salary or status. I simply ca n't afford XXXX more dollars per month. 
When I call they put me on hold or disconnect me,

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

Complaint narrative:
This complaint is regarding the poor service that I 've had with Navient as my loan servicer. 
1 ) I was encouraged to opt for forbearance on my student loan instead of IBR for several ( 10+ ) years when I was unable to pay my monthly loan payments. My total student loan debt, as a result, has skyrocketed and now I can barely manage my IBR payments. 
2 ) As a XXXX, I should have been allowed to enter into the Public Service Forgiveness program when I asked about it over XXXX years ago. Instead, when I inquired about it, I was told they do n't do that and that even if I did use another lender to do it, I 'd have to claim any portion that was paid off as income and pay tax on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 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 inadvertently missed scheduling XXXX and XXXX 2015 payments on the Navient website and when I realized this made payments for both months on XXXX/XXXX/15. Yet on XXXX/XXXX/15, Navient reported the loans as charged off to XXXX. To my knowledge the loans I have cosigned for have not been reported as charged off for awhile ; I have been making on-time payments for almost two years ; well over XXXX in payments. However, if the loan was already in charged of status, why is Navient reporting it to the credit bureaus as a new charge off for missing XXXX payments rather than XXXX payments were missed? If Navient has the loan status as in active repayment, how is it that the loan is charged off for missing XXXX payments? Lastly, technically payment for these loans were current as of XXXX/XXXX/15? Why did Navient on XXXX/XXXX/15 report the loans as charged off/delinquent? I would like these loans placed back in active repayment status and the charge off removed from my credit report. XXXX missed payments versus a charge off is like saying an apple taste the same as an orange.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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:
My experience with XXXX/Navient mirrors the current CPFB complaint. When I was unable to make full payments on my loans, both XXXX and Navient representatives recommended deferment and forbearance rather than income-sensitive repayment options that were also available. I did tell the reps that I could pay something but I was told that forbearance was a better option. This has led to a staggering amount of interest that continues to compound, essentially nullifying my monthly payment. The whole payment goes toward interest rather than principle, it does n't seem that the loan will ever be paid. Although I did apply for and was approved for an income sensitive repayment plan, it 's too late. 

A second issue I encountered was with the service provided when XXXX transitioned to Navient. I was told that I could continental to make payments online, however that was not the case. I thought I was making my regular payments and receiving email confirmations. However, I actually needed to call and have a rep set me up for online payments. I never received any notification that my payments were n't received, which meant that more interest and fees were added. 

When I read that the CPFB was investigating this, I immediately recognized my own experience and wanted to register my complaint. I hope that there is some relief in sight that does n't involve bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 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:
My Navient student loan reported me 90 days late in XXXX 2016 when I was not. When I called on XXXX XXXX, 2016 to dispute the 90 day credit marker, I was told I could do a forbearance and that Navient would show the account as current and report it to all three credit report agencies. 
I continued to check my report and nothing changed so I called on XXXX XXXX, 2016 to ask the status and the person said they were working on the issue and the removal would not be completed until the XX/XX/XXXX.XX/XX/2016, I checked again and this time they were reporting me 90 days late for two months, XX/XX/XXXX and XXXX 2016. 
Attached is my formal letter with further details regarding dates, times, who I spoke with. I am sending this letter in hopes that you will contact Navient and have these 90 day credit markers removed from my credit report as they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: PA

Complaint narrative:
My son has stopped paying this loan and now since I am the cosigner of the loan I have to pay for the loan, what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
We are trying to drop the PMI off our loan and had an appraisal done showing our property value at {$160000.00}. Our loan balance is {$120000.00}. Making our LTV 76 %. When we requested through Bank of America to drop our PMI, they refused saying we needed to be at 75 % LTV instead of the 80 % we feel we are entitled to under the Homeowner 's Protection Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened an account. My account was in good standing. I receive XXXX checks from my children 's father XXXX was for a fee to pay for my sons school and the other was for a child support payment. I deposited the checks. I was later notified that the account was closed. I I looked on the XXXX and it says fraud activity. My career would be affected with this being on my report also it stops me from getting myself further established. I 'm not sure why this was the course of action taken. I would like this removed because I want to establish a relationship with Bank of America.

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 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I informed Central Financial Control & provided Police report, this debt is not mine and collection activities should seize, despite their response that they would seize collection activities, they are still attempting to get me to pay this debt which is do not owe. 

the threats they made are a violation of FTC rules and continued efforts to collect on this debt is a crime, it is not owed by me and they failed to provide me proof or identity presented on day of

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Bank of America as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Bank of America, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Bank of America credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting.

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 2017-02-22 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: PA

Complaint narrative:
I 'm a co-signer on my son 's student loan through Navient/XXXX. I 've been paying for years on the loan and the balance does n't seem to move. Also, when I talk to representatives, they seem confused and give me conflicting answers to my questions. Recently they just raised my interest rate to almost 10 % without notice. When I called for them to explain the reason for raising the interest rate, there answer was because of government regulations. It says on there website that interest rates can only be raised because of your credit score. My credit score is excellent and I do n't understand their reasoning. I am disgusted dealing with Navient and never seam to get an honest answer. When I asked if there is someone I can talk to in person, there reply was there is n't anyone in the company that I can talk to or physically go to.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My student loan was given to be my XXXX XXXX. They already closed down their college. I XXXX 2010 and still ca n't find a job with the profession I chose. I was told by XXXX that they would help me find a job but that was never the case. They gave me the run around. On top of that they lied about how much I would be making. I ca n't afford to make school loan payments and my interest keeps going up, I have n't seen a change on my loan ... .there has been no decrease only increase on it. I have submitted proof that I am experiencing economic hardship but I still ca n't get the help I need. I enrolled at school once again so I can get a good career since this is n't working out, and because I 'm not a XXXX they are expecting me to pay my student loans. I ca n't pay my student loans because I do n't make enough money and have to work full time ... which is why I ca n't go to school full time. It 's impossible.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Wife and I consolidated Parent-Plus loans and other student loans for my wife into one loan. We subsequently were told we could take an " income sensitive '' adjustment. We were not aware that the interest kept compounding during the deferment period. The end result is we 've been paying on a $ XXXX loan and have paid nearly twice that amount so far ( $ XXXX ) and yet we still face a $ XXXX balance. Essentially, we have paid for the loan two times over. Also, the interest rate at the time of consolidation was 9 % and they wo n't adjust it at all when I inquired.

Company response to consumer: Closed with explanation