vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-17 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: CA

Complaint narrative:
I currently owe on XXXX separate student loans totaling over {$100000.00} dollars. I would like to pay XXXX loan off at a time, so that more money can go to the principal. I think I would have more success actually paying them off. This is not available. I 'm told I must pay on all my loans simultaneously contributing about {$20.00} to the principal monthly and the rest goes to interest. This XXXX, my payments will increase to {$700.00} a month. I will have no choice but to defer my payments because I am also told they can not be any lower according to the payment plan. Eventually, my payments will grow {$1100.00} a month! I need help with a monthly payment that is affordable. I ca n't be in deferment forever, while the loans continue to collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 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: VA

Complaint narrative:
Company listed debt as new debt from XX/XX/XXXX when it was from XX/XX/XXXX. Company never sent me a notice to disputes debt before listing it on my credit report and I do dispute the debt I had to see this on my credit report to be able to call them to ask them what this was and that I wanted to dispute the debt. Also this de t has been removed and the company reinserted a deleted debt into my credit file. The company is using illegal tactics

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I advised in the conversation with the representative that the rate at which they wanted me to repay was unattainable at my current income level. The representative then responded, with full fledged attitude, that " they '' did not need to make any concessions for me, that they can make me pay whatever they 'd like per my promissory note. This of course is untrue because I do have income based repayment options. That representative was wholly unprofessional and turned me off to wanting to work with them any further to resolve my bad debt. I told he rthat comment was unncessarry to have been made, that I know this debt is mine to pay but I need options. To which she responded, " I 'm just telling you the truth ''. It is hard enough to come to terms with the nearly {$100000.00} of student loan debt that I have with my measly income. The unwillingness and poor attitude of the call center representatives makes you feel demeaned and is just unproductive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc.
State: AL

Complaint narrative:
Called my wife at work after I told them to stop calling me, failed to provide proof of debt, placed their bad information on my credit report therefore damaging my credit, and call repeatedly from various numbers after I have blocked previous numbers. 

The list of things they do goes on and on but this is enough. After searching XXXX, this seems to be a common practice of this company. Also, refused to tell me who they were and why they were calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Bank of America reports XXXX these accounts opened XXXX. Bank of America reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Bank of America reports a third account opened in XXXX. I did not open XXXX credit cards with Bank of America in XXXX of XXXX! Why and how did Bank of America report this information? Why did Bank of America report my credit card account on page XXXX and XXXX then a third Bank of America credit card account on page XXXX. Why did Bank of America report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Bank of America reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Bank of America replaced it with the same credit card number as the one reported lost/stolen. I called Bank of America and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Bank of America then gave no answer for the credit limit, but later reports show that Bank of America reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Bank of America reported a third account. I only have one credit card with Bank of America, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of " oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Bank of America in XXXX, nor did I close it in XXXX. I do n't even think I opened a Bank of America credit card in XXXX, I believe I opened a XXXX XXXX, but not Bank of America. I only have ONE credit card with Bank of America. 
I want Bank of America to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Bank of America deliberately reported my accounts innacurately. Why? 
When this is explained by Bank of America I may need to take their answers to an attorney for processing it legally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The Navient loan company has been calling me repeatedly requesting me to repay my loans. I am XXXX and earning no income so I am unable to repay currently. In addition I just had a baby so I have been exhausted from caring for her. They will call sometimes every hour and have even woken the XXXX. Yesterday they threatened to call the police on my dad and today they told my husband they would ruin my credit. I am so tired of being harassed. I know I need to repay the loan and I will as soon as I begin earning income when I XXXX from XXXX school next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 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: NY

Complaint narrative:
I have several private student loans through Navient for approximately $ XXXX. I have made every attempt to pay them and made several ; repayment agreements that Navient never fulfilled. I would make an agreement and start paying and they would continue to harass me and mis appropriate my payments. This has severely impacted my credit as well as my husbands. They are false reporting information to credit bureaus. I make am payment and then 2 days later i get called, my family gets called, and we are all threatened but meanwhile i already made my payment. The payments I do make are specific to certain loans. They have taken my payment and put them towards newer loans and others loans. All but the ones I specified. 
They even went so far as to call my neighbor and threaten him telling him my personal account info including total amount outstanding, social security number, and account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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: CA

Complaint narrative:
XXXX sold my private student loans to Navient. Navient continues to refuse to provide me with a statement that will show each of my loan statements on one document. Navient will not provide me with TPD discharge information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 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: FL

Complaint narrative:
I paid off my Navient student loans in XXXX XXXX, but automatic payments were deducted from my bank account in XXXX and XXXX. I called them, mailed my bank statements, and turned off the automatic payment option with my Navient account. However, in XXXX the same payment was withdrawn! I do n't know how they still had access to my bank account. Navient says those payments must be going towards a private loan, but they acknowledge that there are no other loans associated with my SSN and they actually have no records of the withdrawals on their end. Further research on my end shows that these payments ( ending in -FDR ) have been taken since XXXX XXXX and have not apparently been applied towards my student loans.I 'm at a loss of what to do! Thousands of dollars are gone that I thought were going to my student loans but apparently were just disappearing into thin air. Navient is researching it, as is my bank 's fraud department. Obviously I need that money refunded, or proof of an additional, legitimate loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. 
ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. 
I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt XXXX.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have XXXX loans with Navient with vastly different balances. They will not let me pay separately on each loan when I make my payments. Meaning, I can not pay more for the smaller one to pay it off quicker, which is what i 'd like to do. I 've called them to ask why I 'm unable to designate my payments differently, and they claim it 's because they 've been consolidated. However, when my loans were with XXXX, I was able to do this and the consolidation status did not change. Further, customer service told me that I could pay separately if I were to mail in checks each month along with payment slips, and offered to mail a payment booklet to me. I have not received that booklet, and it 's been several months. 

The balance on my smaller loan is under {$3000.00}, and I 've been paying off it for years now, yet even though I 'm paying extra each month, the amount automatically allocated to this loan is minimal that the balance has barely moved, given that interest is still accruing. 

This has been very frustrating to me. I would like to be able to take charge of how payments to my loans are allocated. 

I attended XXXX XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: VA

Complaint narrative:
I am in the process of purchasing a home and my student loan payments are showing 90 plus days late but it not showing any 30 days late. You cant be 90 days until you are 30 and 60 days late. I would like my payments posted correctly. I am trying this first before paying someone hundreds of dollars to do this. I had loans with the Department of Education and Navient now and they are both reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 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: CA

Complaint narrative:
I enrolled at the XXXX XXXX XXXX in XXXX XXXX and have somehow racked over {$28000.00} in federal student loans for a diploma! I never was able to finish the program because of the lack of communication I received from the finincial aid depatrtment explaining to me all the charges that seem to be racking up. I can not afford this cost and upon initial signing up, I was told I could receive finicail aid from the government. I did not know loans were being taken out. I make a mere {$25000.00} a year. I was duped by this school and whomever was getting a commission of 'recruiting ''. I was misled. 

Also Navient approved my IBR at {$0.00} from XXXX to XXXX but is still billing me the loan amount thus devastating the little credit I have. The also sent me a letter on XXXX/XXXX/XXXX that it is time to renew my IBR by XXXX/XXXX/XXXX, a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
Pioneer Credit Recovery , Inc. contacts our business multiple times every day in reference to a worker 's personal debt despite being advised over and over that this is a business and our workers are not allowed to take personal phone calls on business lines. These tactics include calling the direct lines of every employee which are listed on our website. The calls usually total more than 10 per day.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
3 years ago I filed bankruptcy. There was no reaffirmation of my mortgage done at that time, and my lawyer did not advise me that I needed to do so. I 've been seeing the same paragraph on my mortgage statement every month, but I never took the time to call them, until today, to find out what it really means. They told me that until I reaffirm my mortgage with them, they will not report any payments I am making to the credit bureaus. In fact, my report shows that my loan is closed and paid. It is not. It has a balance of {$82000.00} that I have paid religiously every month on time, with no late payments. I believe my lender is reporting false information to the credit bureaus by stating the account is closed, when in fact it is not. I also believe I have the right to receive credit for payments made whether or not I filed bankruptcy, and to have accurate information given to credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: GreenSky, LLC
State: CO

Complaint narrative:
I had a solar system installed on the house, and got a XXXX mortgage through that process with Greensky. The mortgage was designed as an 18 month no interest/no payment loan, and if not paid off within the 18 months, the interest accrued would be added to the balance and it would become a 7 year mortgage. The problem is that throughout the 18 months Greensky added the accrued balance to the loan amount for purposes of reporting to the credit bureau, so at the time I went to refinance the loan, my credit had been destroyed due to having a loan on my credit report which showed a balance of {$32000.00} with a credit limit of {$25000.00}. Due to my low FICO score, I am now having to pay an additional 3 % interest on my new loan, even though I followed the terms of my original loan exactly and paid the {$25000.00} prior to the end of the promotional period.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was a struggling XXXX who wanted ro do the right things towards my loans. I uderstood that I took the loan and must now repay it. Nonetheless, XXXX XXXX, now Navient, has made that quite difficult to do by refusing to work with me in any way for a better repayment plan. I have tried everything from trying to change my payment date to trying to lowere the interest and they wo n't budge on anything stating that because I have a Private Loan, there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 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:
I submitted a new income-based repayment request along with my XXXX tax information two weeks before my current income-based repayment plan was to expire. Navient claims they did not process my repayment plan in time for my XXXX XXXX due date ; therefore, I was charged {$490.00} more than I had been paying for the past 11 months ; I was also informed that my new income-based payment for the upcoming year was decreasing by {$10.00} per month. As a result of Navient 's inability to process my request in a timely manner, I was charged significantly more than I had and will be paying, and they were unwilling to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was sold a Privacy Assist product from Bank of America. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Bank of America had been fined for these practices and products. Per the CFPB website : " Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Bank of America ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Bank of America stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Bank of America to get them to stop. The agent that serviced my card was " unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Bank of America and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Bank of America, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same time?

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 2017-03-14 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: MN

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation