vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My husband passed away in the fall of 2014. In the last two years, I have tried to work with Bank of America in order to assume the house loan. They have blocked me at every step and require me to start over every time. It seems as if they are trying to make me lose the house. All payments have been made on time but they will not help me put the house in my name so that I can refinance.

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 2016-10-28 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: MO

Complaint narrative:
I graduated XX/XX/XXXX. I have not yet found employment. I am also in the process of filing for XXXX ( due to many physical and mental ailments ). Navient, formerly XXXX XXXX, will not work with me to XXXX monthly payments affordable. They are choking my families finances. We are not able to keep up with all our bills and pay these astronomical student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
XXXX 2016 our house payment jumped over XXXX $ due to raised house taxes.My understanding is a mortgage may not charge more then 31 % of a families gross income, a payment of XXXX is over that limit.I filed a loan modification with bank of America denied, appeal denied.I am XXXX my spouse is retired we have a very set income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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: NY

Complaint narrative:
Enclosed is all the information in reference to my private student loan. I have contacted them multiple times in reference to defeerment or lowering my payments. As per the student loan company they can not do that. I have explained that I have financial hardship and I can not pay what I am paying and can not further my future as I cant even get a place on my own and still struggle to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In addition to constantly calling me up to 14 times a day and up to 9 calls in a 15 minute period, they have contacted my sisters, mother, best friend, brother-in-law multiple times. It got to the point where my friend and relatives had to tell Navient they had never heard of me to get the phone calls to stop. 

Even after I tried to explain to Navient 's representatives about my dire financial situation, they said they were trying to give me a good deal, but I needed to be more flexible. One such proposal by them, suggested I pay XXXX % of the balance ( balance about {$200000.00} ) and then I would qualify for a monthly payment. At the time I had told them, I had been homeless, XXXX, unemployed, behind on my monthly bills and near having my car repossessed. 

I even sent them a letter to get the calls to stop and to stop contacting third parties. I offered a payment of {$40.00} a month, which would have been a struggle and they did not acknowledge the offer. Instead they said we need to discuss this in calm, adult manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 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:
I have had numerous problems with Sallie Mae starting since 2003. When I enter college, I was lured to apply for several private loans without thorough explanation as to the variable interest rates, and the consequences of their increase over time. Once, I completed my studies I was overwhelmed by student loan debts, and Sallie Mae did not show any flexibility in repayment options. I was emotionally and mentally stressed and I tried really hard to find solutions to repay Sallie Mae. Unfortunately, once I completed college, like most XXXX I needed to find a job. During this lapse of time I told Sallie Mae that I was experiencing financial hardship, yet they show no sympathy to my situation and forced me to repay my private loans. I had to go back to school, and this time to graduate school hoping that I would earn a diploma, which will enable me to find a high paying job. My loans were postponed yet the interest kept increasing. Consequently, when I came out of XXXX school, I was not able to pay my loans back with a meager salary as a XXXX XXXX XXXX ; since that was the position that I was able to find right after school. 
Since I was unable to repay my debt Sallie Mae send my debt to a collection agency, which handles my repayment at this time. Now, I am forced via an automatic repayment taken straight from my account to repay my debts every month, and I 'm only paying the interests of my loans not even the principal amounts. I feel financially defeated! 
Based on my personal experience, I would be very interested in filing a class action lawsuit against Sallie Mae for its innumerable violations of federal and state laws, and for bullying people like me into submitting to their unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: FL

Complaint narrative:
My XXXX and XXXX loans are through XXXX XXXX / Navient. For years I have been battling with them due to inflated fees and interest. They continue to offer me forbearance and no other assistance or proof of the validity of new fees etc ... It 's been a frustrating ordeal that they continue to hang over my head and ruin my credit. It 's a struggle to get any loan for a house or even rent due to this ... I 'm living with my mother! I have federal and non federal loans also private loans through Navient. I just need help. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 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: UT

Complaint narrative:
Completed the course that I was signed up for. Finished paying the in school loans, and was promised job assistant when I went to applied for those jobs in which the school referred me. They saw the school I had graduated from and the time that I graduated, I was then told that my diploma/certificate was invalid due to credential loss half way through my education. I was told that in order to rectify this and be able to be a candidate or the position then I would need for the position, it was recommended that I return to school and redo my credentials. 
I called the school, they told me, that everything was fine, if there was more credential needed, I would need to return to the school and re apply for that course. Even after explaining my situation they advised that in that case it would be in my best interest to return to school but that I would have to pay for the course again and that they would help me reapply for all the same loans so that I could come back and redo the course. Receiving no understanding for the situation that I was in due to them I was only offered a change for me to come back in and speak to another councilor and that they would be more that happy to redo all the loans in which I already had again and could n't pay for, and that I did need to understand that any new loans would be in ADDITION to all the current loans. I asked why I would want to do that when I could n't pay for what I already had because I could n't get a job as promised when I signed up for the course as I was unemployed at the time of enrollment but was promises that that was n't a big deal as at the end of my course I would be assisted in job placement so that I could repay every loan that they signed me up for in the first place. Which in all fairness I do n't understand how they could possibly tell people who had no form of income to come on in and sign up for thousands of dollars based on a promise that they would in fact help make it so that I could repay them and still have money left over to support myself and my family all of which today I am learning were lies.

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: CO

Complaint narrative:
My original lender was XXXX XXXX and my loans were turned over to Navient where they went through several changes and went from stafford to private loans without my consent. They have gone from subsidized to unsubsidized repeatedly without any explanation. They are listed multiple times on my credit report. They are listed as XXXX XXXX, US Department of Education, and some as Navient. They each have multiple listings for the loans and I ca n't make any sense of it. I have been turned down by lenders due to the inconsistency on my credit reports with my student loans. Under the Navient website they have multiple loans for multiple amounts which I do not recall taking out, many of which have the same disbursement dates which I do n't understand if it was disbursed on the same day then why is n't it just one loan instead of multiples? This is very misleading and shady. I can recall once I was in prison which was suppose to be covered under either forbearance or deferment but I was denied eligibility. The school is also saying I owe them for loans that were returned to the lender and I had to drop the class but still show in my balance. Something needs to be done about these predators.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 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: CA

Complaint narrative:
For over a year now Navient has locked me out of their website so I could not see how my payments were being allocated. I have been making bi-weekly payments to Navient for sometime with the understanding that doing so would lessen the impact of daily accrued interest and thus reduce the principal because payments would be allocated accordingly. Back in XXXX I sent a letter to Navient asking how payments were allocated and true to form they are maximizing fees. Rather than applying my payments to the loan group they resposnded by saying they have the ability to apply accross multiple groups. So in my case on loan has an interest rate of 5.75 % XXXX V ) and the other 9.75 % XXXX V ). I have been paying more on the 9.75 % ( V ) loan but to my amazement when I logged in to view my account after it being unlocked you can see that essentially all the funds I 've sent to Navient have gone to interest only and basically none to principal. This now explains why my loan has been amoritizing negatively and the balance continues to GROW! Navient is of no help in getting payments re-allocated nor do they have any incentive to help those of us who are actively paying on our accounts. Those in my situtation have no outlet and are at the mercy of this horrific treatment and servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 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: NJ

Complaint narrative:
Shortly after I XXXX with my XXXX in XXXX 2015 I was contacted about the repayment process of my loans. My private loans are through Navient. The monthly payment was n't affordable ( still is n't ) by any means. I 've contacted them weekly to discuss any options that I may have. I was told that I could n't get a forebearance unless my loans were paid current. By this point I could n't even begin to make my account current. I provided them income verification and have done server all other steps to try to resolve my account. But I 've been told there is nothing they can do. Upon, further looking into my account I started to question the amounts of the loans as my tuition for school was significantly less that the amount of the original loan. I have on several occasions requested copies of the Master Promisary Notes for these loans and Navient has yet to provide them to me. At this point I am questioning whether these are in fact my loans or not. Also, the loan monthly payments that they are requesting are a significant financial hardship as they total roughly 60 % on my monthly income. I 've come to the point where I feel I have no options and not even sue what a next step would be to starting to resolve this issue. Navient has been far from helpful in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My home loan mortgage was modified due to TILA violations by XXXX XXXX XXXX. The loan came with {$1000.00} per year principal incentive for 5 years provided I was timely in my payments. The XXXX {$1000.00} credit was issued by XXXX XXXX in XXXX XXXX the 1st year anniversary of my modification. The loan went from SLS to XXXX XXXX in XXXX. In late XXXX the loan went to Bank of America. In XXXX XXXX I contacted BOA by telephone and through the messaging Center about the missed {$1000.00} credit to principal. To date it remains uncredited. There response was they do n't have any documents that explain such a credit. I faxed those documents to them and requested they send me a copy of what documents they do have from the transfer from XXXX XXXX to BOA. I got no response and no credit. The transfer of the loan to BOA has been a mess from the start. I want my credit and an apology for having to work so hard for something that was agreed to in writing in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 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: NY

Complaint narrative:
I asked over the phone and in writing for the lowest payment plan and was not provided with the information that would have forgiven my loans under the public service grant. I have worked in public service for four years and because this was not processed I need to wait to have the loans forgiven four additional years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern ; I am currently writing you for the horrible service I receive from a mortgage loan officer XXXX XXXX. I filled out an application in regards to a mortgage and just general information because I do n't know much about the different types of mortgages and based on the service I decided I am definitely not getting a mortgage with Bank of America ( who 's service I usually like ) but now also now thinking of withdrawing all my accounts/products from BOA. I 'm writing this because honestly I 'm about to purchase XXXX of the biggest things in my life and your company treats people like garbage, rudely pushing people off the phone and acting like any other big bank push wanting another customer and money in the end I just hope your company does n't treat anymore like this. Thank you for your time. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have tried to get a copy of the bill sent to me three times and not bill has been received. Also, I am not working due to being XXXX and tried to get a hardship form request to be sent out three times also. The rep 's advise they was going to send these documents on all three calls, but nothing has been received at this time. They have called and harassed me when I have advise them of my situation. I was on a payment plan, but all funds has been exhausted. Today I spoke with a Rep name XXXX who advise me there is no way I can get a hardship due to the payment plan I was on. Please help in this matter. My account number is XXXX with XXXX XXXX XXXX XXXX, GA.

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: NJ

Complaint narrative:
I called to see about lowering my payment as I am struggling to complete all student loan payments and maintain my other bills needed in order to live day to day and was told time and time again there was nothing they could do to help me with my loan not even defer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
Up to one week prior to closing, I was working with XXXX XXXX on my mortgage. On Tuesday, XXXX XXXX, I was notified that XXXX was no longer with Element, and I would be working with XXXX XXXX and XXXX XXXX. 
When I was introduced to XXXX by XXXX XXXX at XXXX ( our builder ), I already had a mortgage. I was enticed into switching to Element to take advantage of a builder $ XXXX credit toward closing costs, and a lender $ XXXX credit toward closing costs. 
On XXXX XXXX, I inquired with XXXX XXXX and XXXX XXXX about the HUD, as I did n't think it was correct ( email attached ). I continued to ask if everything was correct, and if we were good to close on Friday. I received an email from XXXX stating " yes ma'am, we were all set for Friday ''. At no point did XXXX or XXXX tell me that we were not getting the $ XXXX closing credit from Element. It was n't until XXXX hour past the scheduled closing time that we received a new HUD, which did not include the lender $ XXXX credit. 
Upon receipt of the incorrect HUD ( at our closing appointment ), we rang Element. Neither XXXX nor XXXX answered at first, and we were forced to sit at XXXX XXXX office waiting to hear back. I did end up hearing back from XXXX and XXXX, and they said no, you are not receiving a credit from us. 
I was extremely upset, and was told to speak with a Manager at Element, I believe his name was XXXX ( XXXX ) the number he called from is XXXX. The manager agreed to a $ XXXX credit, and in the same conversation said he had to fire the entire division that XXXX worked in- which leads me to believe that the issue is much larger than just my mortgage. 
This is mortgage scam/ fraud to lure customers in, not answer their questions, and spring changes on them when it 's too late for you to do anything about it. I was forced to continue with the closing or essentially become homeless.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Bank of America failed to make Verbally full disclosure its Loan Modification practices and procedures. The issue concerning negative credit reporting was never Verbally discussed or disclosed, however, it is in the contract. This practice of not Verbally disclosing all of the information concerning their Loan Modification practices and procedures is deceptive and fraudulant. It is never fully Verbally explained that during their Loan Modification process the post mortgage payment is protected from negative credit reporting but the pre-mortgage payment is not. Therefore, their not Verbally communicating all aspects of their Loan Modification process is fraudulent and deceptive. I am asking a full investigation into Bank of America 's Loan Modification practices and procedures. From XXXX to XXXX I have been a participated in XXXX XXXX XXXX XXXX Bank of America loan modifications and at no time was it ever explained to me Verbally, the negative aspects of their process. My argument is not in the paperwork that bears my signature but in the fact that negative credit reporting of the pre-loan modification mortgage payment and the post loan modification mortgage payment was never discussed. I know that I should have read the contract through, but since negative credit reporting was never ever explained to me as being a part of their loan modification process ; all of the documents that I signed and had witnessed and notarized was done in " good faith ''. I am asking that the FHA intervene and that the scripts that are being used by the agents and representatives of Bank of America be seized and investigated so that no one else will be deceived about every aspect of their loan modification process. I am attaching their final resolution as well as my XXXX credit reports ; with particular note to their " Summary of our research '' section of their letter of explanation ; where they stand by their decision not agree with my request for credit restoration and credit score worthiness.

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