vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-18 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: NJ

Complaint narrative:
I have smart option student loan with XXXX Bank with cosigner. I applied and made several calls to them to have my cosigner name released and every time request has been denied. My cosigner has no income. 
Every time, I call or request, the requirements to release the cosigner changes. 
This loan was approved with help of cosigner, which was recommended by XXXX Bank to increase the chances of my approval at the time of an application. Now, it has been more than 4 years, I have been making timely payments. I have checked all the loan disclosure papers, no where it says the requirements needed to release the cosigner. 
Please help me find, where on those loan papers we signed, says what are the requirements to release the cosigner at the time of approval of the loan. Why did the requirement to release the cosigner name went from 12 continuous monthly payments to 24, 36 and 48. Why is there a need to check credit reports for the borrower and cosigner ( has no income now ) all over again. Does XXXX XXXX bank wants to punish the borrower and cosigner? This company has never been cooperative and never works for the benefit of their customers. In my opinion, it would be better if XXXX XXXX Bank closes their operation, this would save lot of customers from agony and ruining their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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: ME

Complaint narrative:
Most of my student loans are held by Navient. With Navient, I currently have {$63000.00} in student loans ( and counting, as my balance seems to get higher every year with 4 % -14 % interest rates ). I 've been paying them steadily and for the most part uninterrupted and on-time since graduating in XXXX. I have been on an income-based repayment plan for the past 3 years, as the monthly payment they were asking me to make was ridiculous. My XXXX plan expired in XXXX, and after speaking with someone at Navient, I put a temporary forbearance on the loan so I could gather my tax information from the previous year and re-apply. I reapplied, and was rejected the XXXX plan, which made my monthly payment on this student loan ( I have a handful of very small ones ) {$540.00} per month- which I can not afford. The person on the phone told me " there was nothing they could do for me '' and that I needed to budget better -- which is infuriating, as I am a very well-organized, type-A person. I called back a few times, and have been told different things each time. One time I called and was told that they no longer do XXXX plans and I just had to make the standard payments. Another time I called and was told that I could do XXXX, but they would take into account : 1 ) my income, 2 ) my husbands income, and 3 ) my mother 's income, as she co-signed my loan 11 years ago when I entered college. This is absolutely ridiculous to me. I am a grown adult, married, not living with my parents, and have no financial ties to my mother, other than she co-signed my loan in XXXX. Why on earth is Navient telling me that my mother 's income will be included as a determining factor for my monthly payment? I know many people who are on XXXX plans, and their co-signer 's income/information is not taken into account. The most frustrating part of this is that every time I call I am told different information. The bottom line is -- I ca n't afford {$540.00} a month on top of XXXX other student loans, a mortgage payment, car payment, various insurances, phone and utilities. I would have no money left for food and gas to get me to the XXXX jobs it takes to try to chip away at these student loans. Yet they continually tell me that there is nothing they can do to lower my payments.

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: MA

Complaint narrative:
I have been repaying my student loans via Navient and XXXX XXXX XXXX ; the loan was issued by them, NAVIENT PRIVATE LOAN TRUST and XXXX. They 're both a variable interest rate that has NOT adjusted to my income or basic principals of adjustments. The payments are insanely high whilst the loan itself will not reduce as the years tick away. The school that the loan was issued for is now going under as well ( XXXX. ) I have issued both federal and private loans for this school. I finished my education at XXXX University and am understandable with the federal loans provided. My concern is the the XXXX private loans I have, XXXX from Navient and XXXX from XXXX that are impossible to sustain and pay off. I have tried to address this several times and am struggling to find a way. I was told they should 've been forgiven given the circumstance but no point of contact is available for both the school or providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to XXXX XXXX to dispute my debt. XXXX XXXX stated on my credit report that the loans were written off by the government but then they were bought by Navient and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
I have a collections from Central Finance control aka Syndicated Office Systems. After reading about their illegal debt collections practices on your web site. In my case I never heard a word from them. The only way I discovered this claim was when I looked at my credit report. It appears to me that they violated my rights in XXXX ways. 1. They did not respond to my request within 30 days. 2. They never sent debt validation notice.

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 2015-05-11 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 name is XXXX XXXX, my school was XXXX college, from which I never graduated and was there for 3 years. now i have a huge monthly payment on my private student loans that i can not keep up with. i dont make a whole lot and with small children at home and other bills to pay it 's almost impossible to pay them. I have asked for deferments, forbearances, and tried to enter into plans but the payments are still too high. I am worried about defaulting on these loans and ruining my credit but i have no other options. the monthly payments are just way too high and i simply do not have the money to pay them. ive tried researching other avenue 's but there isnt much help out there for private student loans. I 've called Navient ( sallie mae ) several times asking for help but they dont seem to care about every day problems people are facing, they just want their money, bottom line, and i do not have it. i struggle to keep a roof over my kids head as it is and now i can not pay the amount they have given me to pay ... If i have to choose between food for my kids and paying my loan, well, my family comes first. I ran out of oil a couple weeks back and had to miss a payment in order to get fuel to heat my home and now im in danger of defaulting on these loans. They want me to pay an amount I can not afford, for a student loan for a college i never graduated from. I do n't have a college degree because i never finished school and i work a blue collar job that pays very little ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
I had XXXX of nc at the time of the incident. They should have covered all remaining bills. I have paid XXXX bills from the same night. Now this pops up on my credit score a couple years later. I need it resolved. I have paid my part. Thank you.

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 2017-01-19 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: AR

Complaint narrative:
I was not told initially about the income driven repayment plans, which resulted in my agreeing to a large loan payment monthly that I couldnt afford. When I finally logged back in after hearing about the income driven plan, the system erred and would ot allow me to apply for it. The School I attended was The XXXX School in XXXX, TN.

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: MO

Complaint narrative:
I have private student loans that were originally serviced by XXXX XXXX then transferred to Navient. They wanted me to pay over {$600.00} a month, always starting that I had no other options available to me. I was also told 5 years ago that since my mother had passed because she was the consigned ; that they would be forgiven. Every time I called I was told a different lie. Recently my loans have gone into default but they keep saying I 've been making payments of {$400.00} plus dollars a month even though the charged it off so it 's affecting my credit now. The original amount of my loan was {$30000.00} now it 's close to {$60000.00}. They do n't send out letters of any kind yet the say oh the letter is attached to your account. If you refuse to send me information about my loans how am I suppose to know the steps you are taking. I could go on and on but I will just say I 'm happy karma has caught up to them. Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I HAVE A MORTGAGE WITH BANK OF AMERICA AND SENTA A FAXED REQUSEST NOT TO PAY XXXX INSURANCE PLOI CY RENEWAL XXXX XXXX 2016 AS I HAVE SECURED A PRIVATE COMPANY TO SUPPLY MY INSURANCE COVERAGE. I WAS INFORME D BY BANK OF AMERICA THAT THEY WILL PAY ANY POLIC THAT COME IN AS A BILL WHETHER THIE IS A DUPLICATE OR OR NOT. ANY REQUEST TO NOT PAY ANTHING FROM MY ES CROW ACCOUNT IS DENIED THEY WILL NOT DO THIS. DO I HAVE NO RIGHTS TO CHOSE MY INSURANCE COVERAGE AND THE COMPANY I WANT TO DO BUSINESS WITH. 
I FEEL THIE IS MY CHOICE NOT THE BANK 'S I AM THE ONE THAT HAS TO PAY FOR IT. I HAD XXXX FLOOD POLICIES LAST YEAR BECAUSE INSURANCE AGENT DID NOT ACT WHEN I INFORMED HIM THAT I THAT I HAD ANOTHER POLICY. CAN YOU HELP

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 2016-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: MD

Complaint narrative:
I had been out of work for a while. And they would constantly call and harass me for money. even went so far as to ask me to ask someone else for money. i think the interest rates are outrageous. XXXX is at least XXXX %, also the school I owe money to has been shut down. So i do n't believe that i should repay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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:
around XX/XX/2016 i got a check from tenant. I am a XXXX and I accept a check from him after that i found bedbugs that he brought from work. 
I have to give him notice for moving because my apartment had a carpet floor. 
My roommate got a problem and moving out. and he also gave me a checked and cash in the same time. I after that time i got that the checked was report for lost. 
and Fraud also. Bank of America close my account and report me I am a thief and fraud with check. I have a paper that give him to sign and let him know about the payment after he left for bedbugs treatment. I need bank of America resolve this problem that i am a XXXX that he used to lived before he changed the address. i can proof with letter that he report that was lost. but its not he was lie to bank. Cheating on my with the checked.

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 2016-10-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Applied for a mortgage modification with Bank of America after two years we realized that the process was not honest. We had XXXX different loan officers submitted government XXXX forms over and over, resubmitted bank statements, hardship proof statements, paystubs, social security awards letters and proof of income and work statements. We were constantly told the process is with the underwriters only to have another requirement. We had telephone appointments to make and it was just a waste of time. Hope you could help other people avoid 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 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: CT

Complaint narrative:
Upon graduation I was never advised that by consolidating my loans I would give up my six month deferral. I was then put into a forbearance ; leading me to end up with capitalized interest that I was not warned of. 
Since then I have been steered into several more forbearances when I have called about having financial difficulties. Even though I have paid the full interest accumulated during each ; at the end of the term I have been refinanced. This has led to my interest being all front loaded again. After 10 years I still owe almost $ XXXX of loans on less than $ XXXX borrowed. I have requested they pull my Promissory Note, and they have refused. 
I have also had problems with the servicer not reporting my name change to the guarantor. This led to me being unable to access my NSLDS information. It took 3 years and a threat to contact the Education Department to get this corrected. 
XXXX, now Navient, have caused me nothing but stress, undue hardship, and cost me more in interest than any graduated student should have to face. These unfair lending practices need to be stopped. Borrowers should also be compensated for their suffering at the hands of deceptive loan servicers.

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: FL

Complaint narrative:
I have repeatedly tried to explain to my loan servicer, Navient, that I need help in the form of a forbearance or deferment due to extremely dire financial circumstances. I am the sole provider for a husband who has his own heaping student loan debt but who has become XXXX ill. We have declared bankruptcy from other creditors - we were not allowed to include our student loan debt. We are applying for permanent XXXX for my husband and are struggling to cover the basics such as rent, groceries, medications, doctor visits, and medical treatments. There is nothing leftover in a month to put toward a never-ending, ever-escalating student loan debt. Navient, like XXXX XXXX, and other student loan servicers, are no better than banks or other lenders who are unwilling to work with students who, due to unforeseen and tragic circumstances, are unable to make payments. Instead of halting the loan and working with consumers, they pad the total amount borrowed until it becomes an insurmountable financial burden far exceeding the original amount of the loan. It is a terrible practice to lend to students who do not anticipate that the worst may happen in their lives in the way of job loss ( es ), illness ( es ), and other unexpected hardships that anyone is susceptible to experiencing. No one who takes out a student loan to provide a better life for themselves through education plans on one day living in poverty. Students who have borrowed money to complete college and are unable to make a living should not be made into the working poor, should not be made to have to work multiple jobs to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: OH

Complaint narrative:
I was to get the information together for Navient to submit to get our payments lowered and a lower interest rate when in the same week I received a call and letter from them to resolve our delinquency. I asked them I did not want to be called yet I received voicemail message from XXXX in their XXXX office stating she was my case manager and wanted a call back. I called her back on XX/XX/2017 and told her that my records should have shown that I asked not to be called and she hung up. This morning XX/XX/2017 I received another call from XXXX confirmed my identity and she hung up. I feel these are harassing phone calls. I told Navient I would get the information together they requested, but meanwhile they keep calling. My complaint is about the harassing phone calls.

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: NJ

Complaint narrative:
XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America colluded with XXXX XXXX to artificially inflate my homeowners insurance policy well beyond the cost of the policy. XXXX XXXX engaged in kickbacks to Bank of America XXXX XXXX XXXX XXXX as well as " profit sharing '' payments, and other costs unrelated to the procurement of new coverage. Your assistance would be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation