vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-23 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: ID

Complaint narrative:
I went to XXXX XXXX XXXX XXXX and I graduated with a XXXX Degree I graduated in 2006. Getting an education at this school was the worst decision of my life. My debt is so bad and I struggled getting work when I XXXX got out of school which just compounded my debt. I also found out that my degree is pretty much worthless and does n't transfer to any other college, I digress. I 've been doing everything in my power to pay down this enormous debt. My current interest rate is at 8.75 % thru Navient/ XXXX XXXX which they increased my interest last year. I pay over {$2000.00} a month and still owe around {$200000.00}. Do I have any options, anything at all, that can help me pay more towards my principle or bring down my monthly payment. I 'm not trying to skip out on paying what I borrowed but the amount that was added on top of what I borrowed is insane. I feel that I 'm a slave to this debt it will be for most of my life. My advise to others is do n't ever follow your dreams if it involves going to a college like XXXX XXXX because in my case it was the exact thing that prevented me from achieving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX I sold a property via short sale. There were XXXX loans on this property. XXXX loans were approved for short sale by Bank of America. Yet, Bank of America is reporting that I had a Line of Credit on the property, which I did not and they are reporting the settlement date as XXXX. I am currently trying to purchase a home, and it seems there continues to be problems with Bank of America accurately reporting information. This is the second CFPB complaint I have had to file regarding this matter. See the attached documents. Please submit a letter to me stating the fact that loan # XXXX in the original amount of {$280000.00} was closed XX/XX/XXXX. I have support showing that I was issued a cancellation of debt XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06 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: NJ

Complaint narrative:
When XXXX XXXX became Navient, 1 ) bills did not arrive in a timely fashion. 2 ) My payments were split between XXXX different loans thus making me short on both 3 ) When I called to inquire, the CS reps & their supervisors were kind but their info was not what I saw on line. 
4 ) The payment addresses for the borrower were never consistent. 5 ) I had tried to pay on line via bill pay & switched to a check in the mail. I was told by a rep the computer decides how to split the payment ( interest, principal, amt due ) so I should make my envelope heavier, pay the extra postage & the computer will XXXX it out so a human has to open it. 6 ) The paper bills that do arrive do not accurately indicate the borrower, loan id number or acct number. 7 ) When I finally get a bill, there is ALWAYS a past due amt and when questioned why a original bill was never generated, no XXXX can answer. 8 ) The bills do not indicate if the loan is federal or private. 9 ) if I print off my statement at Navient.com- I can see which loans are private/federal but when speaking to a rep, they insist the XXXX loans are federal. 10 ) I requested payoff figures for all loans & stopped paying since the payments were NOT being applied to the correct loan. As I tried to apply to another company to transfer the loans, Navient dropped my fico score XXXX points. XXXX ) The calls from XXXX, XXXX, etc.. begin a XXXX, continue all day including my cell at work ( in an XXXX ) and if I do pick up, it is a recording telling me this is XXXX- call another number. if it is a weekend, the office is closed. 12 ) Every individual I speak to I ask that the call be recorded and that I have every intent to pay but Navient has to be accountable to apply my payment to the correct loan. 13 ) When I printed off the payments applied to loans, there is no consistency of what is applied to interest, principal or balance. XXXX ) I have contacted the customer advocate directly & the CEO of Navient. The advocate provided me with payoff figures but can not stop the calls or explain the no bills & past due amounts. My husband & I are salary. He as XXXX XXXX, if he has a XXXX, we need to pay out of XXXX We will not allow navient to tap into out bank account, we expect bills in a timely fashion & we expect Navient to be accountable. The billing/computer system is confusing & vague. It appears to be a purposeful attempt to confuse, over bill, & ruin the credit rating of the customer. Thank you

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I never even agreed to borrow money after my grant was lost, I did n't attend and have never used the money I am being accused of borrowing. I feel like they left enrolled and led me to believe it should n't hurt my credit. I can never get this off my credit record. I defaulted, now I ca n't secure a home as a recently getting divorced, ca n't secure a decent car and over all felt trapped by my credit score and this student loan company who targeted enrollment to the worst mistake of my life, XXXX steering me to them. I did n't even know about the loans or what is expected to pay back. I never consented torture this mess.hopeless new single mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BoFa was supposed to close my home loan on XX/XX/XXXX. BoFa 's underwriting department decided on XX/XX/XXXX to change the terms of my loan, and classified my home as non-owner occupied. They told me I need to pay a 25 % down payment, they took away {$2000.00} in lender credit and charged me {$2100.00} in loan amount points. They changed my interest rate from 3.375 % to 3.500 %. BoFa had a promotion going on that if I brought in $ XXXX in new money to BoFa, then they will give me a .25 % reduction in my loan. I brought the $ XXXX over to BoFa and my new interest rate should have been 3.125 %. Underwriting never gave me an explanation on why my place is considered non-owner occupied. I told BoFa that I do n't plan on moving. The seller was purchasing another property, so I did not have time to shop around for another bank. I had no choice but to close with BoFa. BoFa dragged out closing this loan, and I closed on XX/XX/XXXX. I purchased the property that I lived in for the last two years, and the owner did not involve a realtor in the sale of the property. I kept telling BoFa that the non-owner occupied classification was a mistake, but they would not correct this. The loan officers told me that underwriting has already made their decision. It is not right they told me this right before closing. I have no idea how to fight this or what my rights are at this point.

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 2015-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I have a credit card with Bank of America that i have been trying to pay off for years. I have XXXX tiers of balances:1 ) Purcahse@7.24 % interest2 ) Direct Deposit and Check Cash advances@14.99 % interest3 ) Bank Cash Advances@19.24 % interest. 
I made the minimum payment of {$170.00} for XXXX 2015 that was due in XXXX 2015 on XXXX XXXX, 2015. I also made an additional payment of {$1100.00} to clear up my Bank Cash advances balance of {$1100.00} that had the highest interest rate of 19.24 %. The total payment made on XXXX/XXXX/2015 was for {$1300.00}. 

When I received my XXXX statement after making the minimum payment of {$170.00} as well as the additional {$1300.00}, which should have cleared up my " Cash Advance '' balance, the statement reflected a balance of {$320.00} under the Cash Advance tier. 

In addition, the second highest interest rate tier balance, Direct Deposit and Check Cash advances, went from " balance subject to interest rate '' of {$1500.00} in XXXX 2015 to {$1600.00} in XXXX 2015. How can my balance grow if I made the minimum payment AND paid an additional amount. This brings into question all of my past billing statements with Bank of America that I have not reviewed as carefully. I would like a full review of my payment history and balances by the bank for the past 5 years. I do not trust that tehya re billing me accurately and fairly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have called this company, and they have informed me that they can not give me any information on this account, and do not find me at all, but refuse to delete it from my credit report.

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 non-monetary relief
Consumer complaint received 2016-02-08 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: MS

Complaint narrative:
I was told I had defaulted on my private loan with navient and I was in discussion with the loan recovery department. I spoke with a XXXX XXXX XXXX several times, in which I still have voice mails from, and she informed me that the only option I had was to pay a {$1000.00} down payment. Once that was paid I would be able to enter a repayment plan for either {$50.00} or {$100.00} each month. I proceeded to pay on the {$1000.00} payment and I was informed I could start my {$100.00} payments beginning in XX/XX/XXXX. Once XX/XX/XXXX came, I could n't no longer get in contact with XXXX XXXX XXXX and they said she had left the company. Now I was in talks with a gentleman named XXXX, whom said I could still begin my payments. So we setup the automatic drafts from my checking account. Now, on several occasions he continually told me my payments were being returned from my bank but my bank was telling me that there were no signs of the payments coming through. I would inform navient of that and at that point navient would send the payment again and it would be approved by my bank. Well my last payment was shown approved on my navient account but navient said it was sent back and my account is being sent to a collection agency now. I honestly feel my payments were tampered with on purpose and I never received the opportunity to properly start my repayment plan. I understand that the loan was in default but I honestly was trying to repay in the best possible way I could. I have my payment records which show I was starting to make regular payments and I stayed in contact with navient but it never seemed like they were interested in helping. I honestly want my loan to be brought of default status or at least be allowed to make the payment arrangements. If you all can help in anyway, I will greatly appreciate it. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank of america fraudulent practices and lies are back again.after they change the original contract, they have change it to their own benefits. in XXXX the sent mea new payment much much higher than I can afford they gave me now my home insurance its cheaper it went from {$1100.00} to {$97000.00} my tax for this year and my tax for this year I will be {$1000.00} as you see they still keep making my mortgage payment higher, even my principal is higher. they gave me a loan modification knowing about my XXXX but they are taken advantage of my situation,

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 2015-07-30 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: FL

Complaint narrative:
I 've paid back my loan plus {$8000.00} interest. The variable rate has started and stayed at 8.5 % ( the highest rate ). I 've asked why it has n't changed at all and they said " it 's based on the market ''. What the XXXX is that supposed mean??? The market has been horrible and great in the last 9 years and it has n't changed at all. I feel like I 'm getting scammed. I 've paid back my loan with interest and I still have {$28000.00} to go. I initially started with a {$39000.00} loan. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: CA

Complaint narrative:
I am getting a loan from Green Sky, XXXX, GA. They are charging me {$1700.00} on {$5000.00} so the total payment is {$6700.00} I thought 35 % interest was illegal. I have tired to contact Green Sky and there is no respond. Also our FICA score XXXX so that rate seems a little wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America had court proceedings in reguards to obtaining ownership of my home without infirming me claiming thet did not have no clue where I was located .Which is not true because along with this complaint I will fax to you documentation showing they knew exactly where I was and could have informed and sent paper work to the right address so I could of been at them court proceedings. Ihave reason to believe Bank of A MERICA SUBMITTED FALSE GOOD FAITH AFFIDAVITS in order to steer the courts into believing that they could not inform me .Which in turn took away my rights to obtain back ownership of my house and any other possibilities in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a total of XXXX phone calls from XXXX different phone numbers, all belonging to Navient Corporation, in the span of 10 minutes. The same happened to my co-signer. This is an attempt to collect a monthly payment toward my student loans. I am up to date on my payments, and made a total of {$700.00} worth of payments two weeks ago. It is the first of the month and the harassment begins again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Bank of America in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I get repeated calls from this company and this debt was already settled and I have copy if needed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 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: AZ

Complaint narrative:
I want to help my son to be the first to go to college but I ca n't afford it. But with the encouragement of the representative/recruiter from the school, I was told I can take a Parent Plus Loan for my son not realizing the loan is solely on me. I was made to believe it will be on my son 's name. After graduating he had a difficult time finding a job so we requested to have a deferment. We have used all the deferment limit and now the loan is due. The loan was serviced by XXXX. The monthly due is over {$600.00}. I called XXXX to find a way to lower the monthly payment and I was given a website for NAVIENT and the company can consolidate my loans and lower the monthly. 
I called NAVIENT and was instructed to fill up the application on the NAVIENT website for the income driven loan. I did as instructed and the site required proof of income so I attached my 2015 XXXX. I got a response back but the monthly payment is higher than it is with XXXX. I called to confirm and I was told it 's because of my income and I have no dependents. I explained that for 2015, financial hardship forced me to take out my 401K and that is why it gross income is like that and I also made an error on the dependent information. 
I spoke to a representative named XXXX and he gave me a calculation that based on the information I gave him the monthly should be around {$300.00}, he told me to fax XXXX copies of my paystub. 
And he would update my files. I did as I was asked and days later I received a letter showing my monthly payment would be well over {$700.00} a month. 
I called again and I explained to the representative that the reason I applied with NAVIENT is the hope that I can lower my payments. He said there is nothing he can do to lower it. I told him to forget it and I will just deal with XXXX. He proceeded to say that the loan has been consolidated and XXXX has been paid and there is no way to undo it. 
I was livid and he said it helps me because now I can get a deferment again. This is outrageous!!! 
This is preying on people like me who wants to pay their obligation but the system they created only increases our debt. 
This puts me in a deeper hole because I certainly could not afford to make the minimum payments, this will ruin my credit and affect my future job opportunity. This puts me in more debt and in the verge of bankruptcy. And risk getting embarrassed at work when NAVIENT garnishes my check. 
I have been stressing out over this I hope something can be done. I have another son that will go to college in 2 years and I wo n't be able to help him pursue higher education because of this. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been trying to work with BOA for over 2 years on how they charge me fees, they continue change me fees when funds are in the account but when I a transaction comes in saying pending they go ahead and change fee if balance is low even if the transactions has not posted to the account so far I am up to XXXX in fees over the last to months, because I have a small business I cant close the account is up until my contact is up with government, When you speak with some manager they say they 're not to charge a fee until it post to the account, they change/post fees then post the payment putting you overdrawn prior to payment posting something needs to be done its XXXX seeing your money go to fees when you have funds in your account to cover some of these payments. 
I glad this is not my only bank.

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 2016-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX placed a lien on XXXX XXXX 's home. XXXX is deceased. The lien is related to a debt XXXX XXXX purchased from Bank Of America. These credit card accounts do not appear as a trade line on XXXX 's credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX XXXX signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.

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 2017-01-26 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: VA

Complaint narrative:
Hello I am a XXXX veteran XXXX. I recently applied for income repayment and was denied because my only source of income is the XXXX. I have not worked since I left the military. According to the rules, I will not qualify for loan forgiveness because i am not XXXX.i have reached out to my doctor to sign the paperwork for me but va doctors are not easy accessible. i have this debt and no way to pay it and no other options.

Company response to consumer: Closed with explanation