vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I got a loan from XXXX XXXX about 12 yrs ago to attend XXXX college, XXXX, Tx for {$15000.00} with a " variable '' interest rate that always stayed around 14.5-15 %. I did not have to make payments while in school but they fail to tell you that they 're charging you interest. Because of not being able to make payment from not having a job my loan reached nearly {$25000.00}. Once I did get a job and started making payments they do not tell you that the monthly payment that they set is a " minimum '' payment which was n't even close the covering the interest of the loan much less any principal ( never gon na pay it off if continued paying minimum paymeny ) One I realized that was happening I started paying extra but was not seeing a drop in my principal amount it was all going to interest. Currently I am paying anywhere from $ XXXX/mon and have started seeing my principle go down but instead of that extra money going to principal they just push the due date for my next payment out further and further the more I pay. I currently still owe appx {$18000.00} and an interest rate that has been 9.25 % for several years that has been raised to 9.75 % without my knowledge. Just noticed the interest rate change XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: FL

Complaint narrative:
I applied to have my student loans taken out off default and most of them were rehabilitated. However, {$6000.00} worth were not. I call navient on many occasions looking to resolve the issue but it never happened, and I continuously received misleading and confusing information. Now I am unable to have access to my transcripts due to a hold and just received a letter requesting full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has never worked with me on a realistic repayment plan. They 've only ever accepted a $ XXXX- $ XXXX/mo repayment which would Have put us over XXXX % of income going to student loans. They would not do a payment plan when we were both unemployed with proof of unemployment. We 've since increased our income but they will not work with us on a realistic plan to get caught up. The offered me to pay in full {$12000.00} when we barely have {$500.00}! I call every few months to see if I 'll get lucky speaking to someone that can help. It I 've now gone almost 2 years with no payments being made. 

I did make payments on time for several years in a row and my balance increased. Such a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. 
On XX/XX/2016 Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XX/XX/2016 at XXXX ). 
Why was no notification sent to me, the borrower, that this transfer had taken place?

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 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our company XXXX, XXXX doing business as XXXX completely reinstated Bank of America Loan # XXXX on XXXX XXXX, 2015. Two months and XXXX days later on XXXX XXXX, 2015 Bank of America racked up {$990.00} in foreclosure attorney fees which they are now trying to charge us for. Why on earth would Bank of America hire a foreclosure attorney right after we completely reinstated the loan? We have yet to resolve this issue because Bank of America refuses to waive the {$990.00} fees and will not tell us why they wo n't other than " internal policies ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. 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 2017-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient is a criminal organization, they practically force you to make a payment VIA routing and account number. In order to pay by debit card you have to request a call back. They do not allow credit card payments what so ever. Navient was just recently sued for unethical practices like this. 

What is criminal is that they will not provide an amoritization schedule so I can plan to make more efficient payments on my loans. Theu rrfuse to provide this report because of special circumstances which they can not even explain. Navient does not want students to pay off their loan balances. Naveint expects students like me to pay interest until the day I die.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America misled us into believing we were paying off our credit-card balance, when we set up our recurring payments through direct-bank payments. Their recurring-payment screen that sets up these payments has XXXX options : " minimum amount due, '' " amount due as shown on the e-Bill, '' and " statement balance as shown on the e-Bill. '' We selected " amount due '' thinking this would pay the amount that we owe. Instead, they informed us that " amount due '' means " minimum amount due '' with the addition of past charges. This is not stated in their recurring payment screen nor in the e-Bill. The e-Bill merely states the accrued charges ( I tried to attach it and the recurring payment screen to this comment box, but they have too many special characters ). Bank of America arbitrarily chose a definition that would allow them to deceptively charge interest. After setting up recurring payments, they only deducted the minimum amount due. Through this deception, Bank of America charged us {$100.00} in interest ( {$38.00} for XXXX XXXX to XXXX XXXX, 2016 and {$61.00} for XXXX XXXX to XXXX XXXX, 2016 ).

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 2016-03-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I am currently having an issue with Bank of America regarding a modification that was processed without my permission or signature. I have contacted them but I am not receiving any assistance and they have not returned my call. I was at time of origination the primary borrower. The home was awarded to my spouse via divorce decree and I was told upon signing a release deed that was prepared the loan would be modified and my name removed. I was not provided a copy of the modification for review or signature. Upon. A recent credit check I am now aware m name is still on the mortgage and I have been told my the account rep from Bank of America that their policy does not require all responsible parties to sign the modification. My understanding is that any change in original repayment terms require all responsible parties to sign and acknowledge. Can you help me?

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 2017-03-01 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: VA

Complaint narrative:
I have 4 Stafford loans that have been eligible for loan forgiveness for the last 12 months, but Navient never contacted me to indicate that I may be eligible. I, therefore, paid about {$3500.00} in student loans that could have been forgiven a year ago because I am a nurse and have worked in a XXXX hospital for the last 36+ months ( now 48 months ). It seemed as though Navient did not want me to learn this information. There were 4 steps to get to the link with the Care for XXXX Nursing Loan Program information on it. Also, unless a client were struggling to pay student loans, I do n't think that they would typically go looking for loan forgiveness programs, such was the case for myself. I feel as though Navient should reach out to its clients who qualify or may qualify for these programs to let them know.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I contacted my present mortgage lender, Bank of America, to attempt to get my loan refinanced for a lower interest rate ( instead of my 6.5 % ). I spoke with a representative by the name of XXXX XXXX XXXX # XXXX XXXX. She advised me that Bank of America no longer does loans on anything with a VIN number. I have a mobile home that is on a fixed foundation with brick underpinning. The county tax assessor 's office classifies the property as Real property ( not personal ). The original underwriting attaches a lien to the land with the mobile home attached. In other words, the mobile home ca n't go anywhere. The fact that I have a current, good-standing mortgage with Bank of America, should entitle me to the same right I was afforded when they purchased by original loan -- the option to refinance at rates that are reflective of individuals with my payment history, credit score, and real value of the property.

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 2016-01-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I received 3 calls to my cell phone on XXXX/XXXX/2016 and 2 more today XXXX/XXXX/2016 from Pioneer Credit. There have also been calls to my sister 's cell phone, my parents ' home and other calls to cousins, aunts, in-laws, etc. I am not the holder of this debt, but Pioneer Credit continues to call in an attempt to find the debt holder. I told the caller to stop harassing my family. Hopefully it will stop as the FDCPA only allows them one communication per person ( which they have already exceeded to many of the above mentioned persons ) and they must stop if told to.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX more then 5 times a day. Finally when I was able to answer from getting home from my XXXX job, the employee told me that if I didnt pay my bill that I should get my suit pressed and prepare for my day in court. That it would be a long time before I was able to live a normal life because in their words " dead beats are dead beats '' It was a horrible call and my XXXX children heard this as it was on speaker phone while i was making them dinner. They cursed at me and told me I was a loser. Please help me and prevent them from doing this to other hardworking people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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:
XXXX XXXX XXXX : XXXX College XXXX -- XX/XX/XXXX GraduateMy private student loans are being handled by Navient. I owe XXXX figures in student loans after spending XXXX years at XXXX College XXXX. I have not been able to afford my loan payments since losing my full time job in XX/XX/XXXX. Before that, while making payments and trying to catch up on missed payments Navient would call myself, my Mother and Father starting at XXXX sometimes more than XXXX times throughout the day. This went on for months. Even once having caught up to my loan payments and missed payments, they would still continue to call us daily to " remind '' us of the approaching due dates. 

Now, fast forward a few months ... they only call XXXX times a day, even though my work situation has not changed and I have informed them of this multiple times. I can not afford my student loan payments working a part time job and still continue to pay household bills. 

Today, Navient began calling family members and friends of mine I had n't seen in years telling them they had a " job opportunity '' for me and to get in touch with me to contact them. This seems absolutely ridiculous to me that they 're reaching out to people I rarely even talk to and bold face lying to them. If this is n't harassment, I do n't know what it is. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My complaint is very simple. My mortgage was discharged under Chapter XXXX bankruptcy in XXXX 2011. Bank of America and its subsidiaries continue to pursue collection activity even though I have sent certified mail telling it to " Cease and Desist '' all activity. Most recently I got notice that my alleged debt was transferred to XXXX. This company is a complete fraudulent racket. They provided new mysterious escrow for tax purposes. Under Federal law protection I want all communication to stop immediately.

Company public response: Company 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: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Unable to pay my student loans and Navient recommended forbearance but adds so much interest over the years making my acrutual borrowed amount over the years over XXXX and I did not borrow more than XXXX. When I am able to pay they will not work with me on a payment plan that works for my household income. Just unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: MD

Complaint narrative:
I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 

To Whom It May Concern : I am writing to file a complaint. I just recently contacted Navient to request a reduction in my private student loan. For the past 12 months I paid {$160.00} monthly. Just in XXXX 2016 it was increased to {$280.00} monthly that I can not afford to pay. I currently also have federal loans that are in default. I was told by the representative that because I have negative income balance they can not offer me a lower payment. That makes no sense to me. Here I am someone that would like to make payment arrangements but at a lower monthly expense. Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. 

I believe I can afford to pay {$160.00} per month toward my loan ( s ). If you require details on my monthly income and expenses, I have attached a worksheet which you can use to make an evaluation. 

If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter. 

If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 

If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : What available reduced payment options do you offer other than forbearance? 

For what reason ( s ) am I ineligible for these repayment programs? 

If I am not eligible for these repayment programs, when will I become eligible? 

What steps do I need to take to qualify for these repayment programs? 

Do you anticipate modifying these repayment programs in the future? 

Where on your website can I find additional information on these alternative repayment programs? 

In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 

I hope we will be able to agree upon an acceptable repayment plan. 

Thank you for your cooperation. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation