vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 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: MA

Complaint narrative:
I was on a call with Navient Rate Reduction team speaking to XXXX XXXX. During the call I ask if she could relook at my account to see my options again about being on the rate reduction plan. I asked informative questions and with getting minimal response back I asked her to explain in more detail and to help me better understand. The amount of the payment plan had increased from last year and she stated that the interest rate would not change from last year. But mathematically it was not adding up so I asked her to please explain in detail, to have me better understand the break down. Eventually she became overly aggressive. After several times of stating that I was not trying to frustrate her I was just trying to get clarity her aggression heightened. She then with anger told me that she was getting her supervisor to speak to me. I restated that there was no need to be aggressive and her response : " I am not being aggressive you 're just not accepting my answers. '' Again her " answers '' were not informative. XXXX of her " answers '' during the call when I asked her to verify the breakdown she claimed that the private lender can " change how they do things simply because! '' How is that a legitimate answer to a question regarding a breakdown and what factors are included in this calculation of this " rate reduction plan ''. 
The call was unprofessional and my questions regarding my private loans still remain unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: AL

Complaint narrative:
Negative late reportings reported by Navient regarding my private student loan to the Credit Bureau. Navient was sending letters to wrong address for months regarding my loan information. Never reached me via phone regarding my loan status. Navient representatives have given me false and inaccurate information pertaining to my private loan for months. Received forbearance for private loan, yet still received negative markings on my credit report to the Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America would not remove me from XXXX, nor XXXX. I opened an account with Bank of America XX/XX/XXXX and my account was closed due to Bank of America suppected fraud on my behalf. However, I shared my story with Bank of America by certified mail, and I have not heard from them yet. I even wrote XXXX and they do not have any record of me. However, XXXX on the other hand say they do have a record of me. Moreover, I am consistently getting denied a bank account. I also have settled my debt with Bank of America. I paid {$190.00}.

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 2016-11-26 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into 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 2017-02-21 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: MD

Complaint narrative:
Hi, I have been repaying my student loans since 2000. Since then, it 's been handled by several different companies- the latest being Navient. A few months ago, they contacted me and told me that my fixed loan payment was being increased (! ). I looked online and the balance I had previously been reported to have increased by over {$1000.00}. How is this possible, when I have made all my payments, and on time? When I called and asked for a comprehensive report of all payments made since 2000, as well as an amortization schedule, I was assured I 'd receive one by email. What I got was a report of payments made over the last 4 years. I would like the complete report and an amortization schedule, as well as a comprehensive written explanation as to why my payments/balance were increased.

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 temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navies tried to collect on payment while u was attending school. Once they got proof of me being in school they moved forward with a deferment, however they did n't retro the deferment leaving late payments on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX ruined my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-21 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: TX

Complaint narrative:
I requested a student loan for XXXX but never received the loan because I decided to cancel it before the disbursement. Later only to find out they charged me interest on money I never received. I complained but only got the run around. They continue charging me interest on the interest money they said I owed. They place a bad debt report on my credit causing denial to credit app 's. I set up a repayment plan in which the debit from my bank account only later to charge me all over again saying I never paid. They harassed me every day by calling. Till I paid the the money all over again. Just so they would removed anything they placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: VA

Complaint narrative:
I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loan holder is Navient, formerly XXXX XXXX. My account number is XXXX. I have several types of federal and private loans with them as I have loans from XXXX my time as an undergraduate and as a XXXX student. When I initially graduated XXXX school my loan payments were roughly {$2000.00} a month. I was able to pause payments while I looked for employment. Since finding employment some seven months after graduation, I have made a steady {$60000.00} a year. Upon beginning employment, I asked Navient if I had options for income-based payments. They told me to fill out an application for Income Based and Income Contingent payments and to select that I want Navient to choose whichever is the best option for me. I complied ( through some effort because there was an issue processing my application ) and eventually my payments went down to {$1500.00}. However, after speaking with a fellow attorney who had more total debt than I did and made the same exact salary, I was worried something had gone wrong because where he was only paying {$300.00} a month I was paying {$1500.00}. I called Navient and asked them to look into this and I was informed that they had done something wrong with my application and my payments should actually be lower. However, my payments were only lowered to {$1000.00} a month. I asked if there was any other way to lower my payments as I literally can not afford to move out of my father 's house on this salary and am struggling to make the payments and was told that because of the way my loans were " grouped '' there was nothing that could be done. I have been making the payments at {$1000.00} a month but it really is an unbearable imposition. I can not afford to live on my own when paying {$1000.00} a month for my student loans on top of all the other financial responsibilities I have. Furthermore, most attorneys I speak to are shocked that I pay so much more than they do in comparable circumstances. I want to make sure that the amount I pay really is the fairest amount and that I am not being taken advantage of by Navient. In spite of my continued efforts I still find myself drowning in these payments. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I 'm receiving calls from Navient/XXXX regarding someone else 's student loan. The phone numbers that contact me are XXXX & XXXX they are asking to speak with a XXXX XXXX , who I do not know.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Hello, I am getting Navient setting up payment schedules while in deferment for my master program with University XXXX. XXXX has changed their program for leaving dates between and it will respond for 14 days between classes for an exit interview that is notifying Navient for a scheduled payment. This is happening all the time since University XXXX scheduled classes between other classes while trying to complete a certification program with another school, XXXX. So, I am currently in school and pursuing XXXX certifications between classes and have provided Navient of both records for XXXX and University XXXX. Also, I thought I had six months after my exit with University XXXX before any payment schedule begins. This is what is posted on FAFSA repayment website. This is a form of harassment since I am in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: TX

Complaint narrative:
I have XXXX private student loans with Navient ( Formerly XXXX XXXX ). I 'm just a month behind with my payments, however they have continuously called me daily. Normally, it 's 1 or 2 calls a day which I understand. Today ( XXXX/XXXX/15 ), I have been called 5 times from ( XXXX ) XXXX. This constitutes harassment by a collector. The call times are as follows : XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: CT

Complaint narrative:
I have been paying student loans for the past 5.5 years, and I 've always done my best to pay ahead of schedule. Several times I have taken large sums of money and put that toward student loans to help lower my principal in addition to my monthly automatic payments. Every time, Navient has put that additional payment toward interest before principal. Their website says to submit a letter with a check if you want to specify how to allocate additional payments. I have done this and specifically said do not apply this to interest ; only apply this to principal. They still apply it to interest first. I 've called and asked to speak to managers, and they continue to tell me that what they 're doing is correct and it does n't matter in the long run. I 've argued this and explained that they 're taking advantage of people trying to pay off their loans, and they refuse to correct my payments. 

Also, after submitting payments in addition to my automatic monthly payments, Navient recalculates my automatic monthly payment amount to a lower amount so that the overall term remains the same. I have called asking them not to do this, and they said I 'd have to submit paperwork to get my monthly payment amount back to what it was. It would take approximately a month to process, and if I continue to pay extra, the automatic monthly payments will continue to be lowered. I explained that this again is not fair and they are taking advantage of people trying to pay off loans, and they would not change it. 

Navient knows exactly what it 's doing. Despite trying to pay off loans sooner than scheduled, they still have found ways to take advantage of people. Applying additional payments to interest first ensures the principal remains slightly higher, so they can charge interest on a higher amount. Additionally, reducing automatic payments ensures the term stays the same, so they can charge interest for a longer amount of time. I 'm doing my best to work around these things so that they do n't make extra money off me ( manually going in every month to pay extra on the same day as my automatic payments so interest is already paid for the month ), but my fear is that most people do n't check these things as closely as I do and are paying too much in the long run.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My vehicle was traded to XXXX XXXX XXXX on XXXX/XXXX/16. The original contract was lost by XXXX XXXX XXXX XXXX which caused a delay in the funds being cleared for payoff. The delay and supporting documentation was communicated to Bank of America, but yet their customer service still reported it delinquent to the credit bureau, simply stating there was nothing they could do and that the reporting was an automatic process.

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 2016-11-06 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I want to submit a complaint for Bank of America I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.

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 2016-04-18 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: KY

Complaint narrative:
I have a private loan through Navient which they took from XXXX XXXX. I finished XXXX XXXX in XXXX and was told I had already used my deferment, though I was not aware of this, and no one was able to tell me when I had used it or give me details regarding it 's use. They simply stated " it had been used '' and refused to provide further detail. Because of this, when I was unemployed and trying to get a job ( waiting on paperwork from the Board of Counselor 's to come through ), I was missing payments. I called as well as answered when they called, several times and asked if there was any deferment or forbearance or anything available and was told there was not. I was yelled at by the employees of Navient multiple times, interrupted while speaking and then at another time essentially told they could n't do anything so I should simply cease to answer the phone. I finally called the main office and reached my " case manager '' and was told if I made a payment that month my account would not be sent to collections and we could start on a manageable payment plan the following month. I paid the requested amount, and a week later was receiving calls again ( the month had not changed ) stating that the previous amount " simply brought [ me ] current '' but that I needed to make an additional payment. I expressed that I was informed by my case manager of the amount required and that I had already paid that, to which the response was that it was not enough. I called the following month to set up the payment plan and was given an amount that was not " manageable '' as I had previously been told. I was informed this was my only option without a credit check, review of my finances, and review of my co-signer 's finances. I informed my case manager that I would speak with my co-signer and we would determine our next step. She then called another individual, who was NOT my co-signer, but simply a reference on the loan, and left a voicemail speaking about my private loan information with someone who was not on the loan. I have a copy of this voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have a a unverified account from JEFFERSON CAPITAL SYSTEM. I had previously disputed this account. I have never done business with JEFFERSON CAPITAL SYSTEM. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that JEFFERSON CAPITAL SYSTEM Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that JEFFERSON CAPITAL SYSTEM Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
They were running a promotion..turn in my phone and i switch companies. And they charged me for my phone

Company response to consumer: Closed with non-monetary relief