vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-27 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: NC

Complaint narrative:
Navient has repeatedly applied payments to the wrong loan, even when the payment amount and loan number are indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the correct payment amount. Telephone representatives are unable to correct these errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05 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:
I was charged a late fee of {$8.00} but I never received the bill, I always pay my bill on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Municipal Services Bureau as is the case from the other companies I have complained about is harassing me about a debt I know nothing about. They call and leave messages when I try and call them back their message reads that if I 'm calling them back then I acknowledge that I am the debtor. Once I complain here and I am removed from their list they sell my " debt '' to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I can not open a bank account due to the fact the Bank Of America flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.

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 2017-02-23 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:
I believe I am one of the debtors that Navient has " systematically and illegally '' failed. I have been paying back my student loans since 2009, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: SC

Complaint narrative:
I am a single mother and they wanted me to pay XXXX dollars a month and I 'm not able to pay it and they is not will work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
We finally modified our mortgage with Bank of America. After 3 years of trying, it worked. This was a painstaking 3 year process with lack of communication from our servicer. We signed our permanent modification in XX/XX/XXXX. We received our bill for XX/XX/XXXX with no problem. Our XX/XX/XXXX invoice came with an additional charge of {$100.00}. It stated additional attorney fees. I have called my " single point of contact '' now XXXX times with no return call waiting for an answer about this. If I decided after I signed a contract, my amount was wrong, I am sure I would still be held accountable. How can they sign a contract and agree on an amount and then charge me more? Furthermore, they will not return my phone call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I graduated college and decided to apply for XXXX as a XXXX. I contacted all parties involved in my Student loans and after months of communication and paperwork my loans were deferred and I entered the XXXX XXXX and served in XXXX. The XXXX XXXX has all paperwork that XXXX XXXX and Navient requested. While overseas I was being constantly harassed by Navient stating I needed to make payments. Before leaving I ( borrower ) made sure all was taken care of and covered because I knew I had very little to no communication abilities due to remote locations. Hence the reason I made prior arrangements. My cosigner attempted to resolve matters but one person would say they can not help without my permission and another would tell him appropriate paperwork needed to be done. So payment arrangement were set until borrower could make contact. Then had issues with Navient taking more out of bank account than agreed upon so account was closed after I believe 3 payments but for six months following Navient continued to access account then report payment returned. Reporting nonpayment. Navient notified again borrower who was oversees and deferment arrangements were in place according to XXXX XXXX XXXX. Since returning to United States I set up a payment plan, paid on time and now request another deferment returning to school and unable to continue paying XXXX a month requested different arrangements and told I ca n't only option was apply for a hardship. Rep stated my account would reflect my intentions. Today XXXX/XXXX/16 I received another harassing and threatening call that my account is in default and will be turned over to collections and reported. Yes, I lost my temper because the rep would not allow me to speak just kept threatening. I am so stressed out. I am an XXXX year old who has made all attempts to follow protocol ( adult thing ) by the book. I am in no way skipping out or refusing repayment. Just asking for help. No one at Navient talks except to feed you various stories then have another rep call and contradict previous conversation. When I initially took out my loans with XXXX XXXX I had no issues but since Navient bought my loans I 've had issues since day one. They constantly refuse to work with me, provide me with alternatives or a payment I can afford. Account up to date through XXXX 2016. What else is a young person to do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My Bank of America credit card is paid in full but they are still showing a blance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
my husband and I were looking to purchase a house, we got preapproved through a mortgage company, did everything they asked us to do as far as saving money and paying off credit cards. on the day of closing they tell us we were denied. we paid for survey, appraisal, things that needed to be fix etc and to find out we got denied was very disturbing. they did not keep in constant contact with us or even had my emails and calls go unanswered for several days.i paid for everything in advance because they were confident we were going to get the house.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: Colony Brands, Inc.
State: NV

Complaint narrative:
There is an account that is unknown listed on my credit file. I have disputed with no response or validation. Please help, I never did business with this company

Company response to consumer: Closed
Consumer complaint received 2016-09-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have a credit card with Bank of America and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Bank of America and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Bank of America says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Bank of America says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Bank of America. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at 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 monetary relief
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: FL

Complaint narrative:
For years they told me I could not get a new interest rate. I was in deferment for a while and I feel that they have misinformed and applied my funds. I am a XXXX and I have XXXX for 13 years at XXXX that qualify you for the {$5000.00} off. I sent in the paperwork and was denied. They said I took out a new school loan, when all I did was consolidated with them as they told me to almost 15 years ago. I just applied for the XXXX forgiveness in 2016. They could not explain why. Please help me! Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
XXXX became NAVIENT, who then put chargeoffs on my credit report. This has brought my credit score below XXXX points. Furthermore, my loans are XXXX times less with out interest before the chargeoffs. So instead of owing $ XXXX, I owe $ XXXX with interest, in default, with chargeoffs. I did n't even get a degree, nor did I have a GPA that merited any type of funding, as, I failed out of school, immediately after I got these loans. Now I finally have the focus to do well in school, and I have even made the Deans list but I can not afford to finish school. I want them to take ff the chargeoffs whether I pay them or not. When XXXX could n't pay, they did a name change not a IRS administered chargeoff on their FEIN. Why should I have a chargeoff on my SSN?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 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: MO

Complaint narrative:
1. I have received bad data regarding my private student loan. I tried to process a request for automatic debit from my checking account. I thought it was processing but I was still receiving calls and was told I needed to pay a payment in order to process my automatic debit. I paid a payment and fond out my loan request has still not been processed. 

2. I have been receiving phone call past normal hours of collection per Missouri state law. I have rerecorded all call and will be submitting another complaint with phone recorded and a letter from my lawyer. 

3. Due to the switch from XXXX the Navinent and the change in payer accounts this has cause my private loan payment to delay. I have tried to resole this through the customer line but was told nothing they can do. I do n't feel proper notice or time was given for people to switch over bank account info and online payment methods. 

4. The current int rates for my private loans is way above the national average and the rates my other private loans are. I have tried to resolve this with navinet but have been unable to resolve this. I 'm working with class action with a number of account holders on this very topic so I expect not to be over charged or charged more than someone else for Private student loan int.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
SYNDICATED OFFICE SYSTEMS IS REPORTING XXXX COLLECTION ACCOUNTS. CENTRAL FINANCIAL CONTROL IS REPORTING THE SAME XXXX COLLECTION ACCOUNTS. THIS DOUBLE ATTEMPT TO COLLECT ON XXXX ACCOUNTS LOOKS LIKE THERE ARE XXXX OPEN ACCOUNTS. THEY NEED TO DELETE XXXX OF THE SET OF XXXX. EITHER SYNDICATED OR XXXX NEEDS TO REMOVE THEIR ENTRIES.

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 2015-12-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient hired XXXX XXXX XXXX XXXX to collect on student loans. XXXX XXXX XXXX XXXX is alleging that I have only paid {$1000.00} in total for the last XXXX payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. XXXX XXXX XXXX XXXX is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00}, which is patently false. Navient and XXXX XXXX XXXX Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, XXXX XXXX XXXX XXXX is incorrectly claiming that I have only paid {$1000.00} on my account. XXXX XXXX XXXX XXXX is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. XXXX XXXX XXXX XXXX is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Colony Brands, Inc.
State: ID

Complaint narrative:
I received a " thank you for your order '' e-mail from Swiss Colony company, although I never submitted an order. The customer service person said that the order was on it 's way and there was nothing they could do. They said I could n't return the package, assuming it arrives at my address, since it is perishable food. They said I could not get a refund to my pre-approved credit account. They said that they were not authorized to close my credit line with XXXX, so this person can and probably will order again, using my name and account number and line of Swiss Colony credit, which is over {$2000.00}, although their first 'bogus ' order is {$130.00}, and XXXX. said I am responsible for the bill. I ca n't believe this! It is an outrage. I am the victim here, but cust. service told me I must get a paid, notarized letter explaining/proving that I did not actually place this order. The phone number on this order is not mine, however, they would not give me the phone number of the person so I can figure out who placed this order, citing " privacy '' concerns, of all things. Can you help? XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America changed my credit card number. XXXX issued a credit under my old number but never posted to my account. BOA tells me that they can see the credit under the old account number but because of recent changes to their software platform it has not posted under my new account. This credit was issued over a XXXX ago. I have talked to their Customize Service and Electronic Transactions departments several times without any success.

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