vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: LA

Complaint narrative:
I could not get help with payment plans and I have defaulted and resulted in late payments that were reported on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Note : This complaint does not match exactly XXXX of the choices above. I selected the closest XXXX. 

I have attempted on multiple occasions to initiate a dispute about an item on my credit report online with Equifax. Each time I try, I enter the correct identifying information and get a message stating the following : '' The information you provided does not match our records so we are unable to process your request online. Please FAX your dispute and a copy of your driver 's license to XXXX XXXX. " I see XXXX problems with this. First, if I am submitting a new dispute, how could my information not match their records? Second, no reasonable person would submit personally identifying information, including their driver 's license, to a fax number without some level of confidence that it is legitimate. If the system can not recognize my correct information, I have little confidence in a fax number. 

My impression of the Equifax Online Dispute system is that it is functioning as Equifax wants it to : It limits the number of disputes that can be submitted online and discourages alternative methods of submission with vague instructions for faxing personally identifying information to an anonymous number. 

Furthermore, when I click the link on the dispute submission page for the FCRA, I get an " Untrusted Connection '' message, which further discourages people from learning about their rights as consumers under the FCRA. 

I have seen numerous reports of the same problem with Equifax online by other consumers. Please add my name to the long list of people who have voiced their frustration with Equifax, about this issue and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I have had a Bank of America card for 17 years. Within the past year, I 've had XXXX problems with this account. 

The first problem is that the emailed statements have not been delivered regularly since XX/XX/XXXX. This has resulted in several late charges. I checked my junk mail folder and deleted items. I received a statement on XX/XX/XXXX and Did not receive another unil XX/XX/XXXX. This leads to the second and more serious problem ... 

I logged into my account on XX/XX/XXXX to pay my account. This payment did not go through. Bank of America has a record of my log in, however ; they do not have a record of my payment. In XXXX, frustrated with the late fees and the email problems, I paid off my balance and cancelled my card. On XX/XX/XXXX I recieved another statement. Again, my payment did not go through. I called Bank of America and was told that they had a record of this payment, but that they ( Bank of America ) had cancelled it " for some reason, maybe it was a glitch. '' This transaction was cancelled with out my concent and without notification. 

I 'm trying to get the late fees reversed for the XXXX, XXXX, and now XXXX statements. After an hour on the phone, Bank of America admits their mistake with the XXXX transaction, but not XXXX. The Bank of America representat stated that the case is currently pending an internal investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I 'm writing to report questionable activity of XXXX companies attempting to collect a debt from me that is not mine and I did not incur. 

The XXXX agencies are ( 1 ) Bank of America, the original debtor, ( 2 ) XXXX , XXXX, the junk-debt buyer, and ( 3 ) the XXXX XXXX XXXX, XXXX, who is attempting to collect on behalf of XXXX , XXXX. 

I received written correspondence from XXXX XX/XX/XXXX, claiming I owed {$78000.00}, with no reference as to what it was for. I understand upon initial written contact, the debt collector must provide me with certain information, including an itemized account claiming to be owed in connection with the debt including loan principal, interest, and all fees. Additionally, they are to provide me with the debtors name and last known address. On my own, I discovered they were attempting to collect a debt incurred by a business line of credit through Bank of America. Incidentally, I was terminated from that business XX/XX/XXXX. The XXXX XXXX XXXX, XXXX, failed to provide me with the above information. 

I sent a dispute letter to the XXXX XXXX of XXXX XXXX ( return receipt ) well within the XXXX day time period. They have yet to respond, which I know they are n't obligated to do. However, I received a letter from Bank of America on XX/XX/XXXX, also asking me to contact them regarding this alleged debt that THEY claim is for a mortgage loan. The convolution, ambiguity and confusion as to who actually owns this debt, and that no one can tell me exactly what it 's for, is of huge concern to me, and something I wanted to let you be aware of. 

Considering the above, I wish to inform you again that I was terminated from the company XX/XX/XXXX, also released from all current and future liability and obligations arising from the operation of that company, known or later discovered. My ex-husband was awarded the company as his sole and separate property in the Settlement Agreement. He warranted to me there was NO unsecured community debt, which means this line of credit was at a zero balance at the time I was severed from the company in XX/XX/XXXX. Any and all company debt incurred after XX/XX/XXXX, is the sole responsibility of my ex-husband and his company wherein he is 100 % owner. Of course my Marital Settlement Agreement is legally binding and has the full force and effect of a court order. 
Thank you in advance for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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:
I am filing a complaint against Navient because I am stuck in my tracks, and do not know where to turn to. I need to reduce my monthly private student loan payment of over {$700.00} due to financial hardship, and have gotten nowhere with the Navient customer service line. Over the course of the past few months I have placed many calls, and the only guidance I have received is to request a forbearance, as I am ineligible for deferment. I will not accept that the only solution to paying off my loans is to continue tacking on insurance payments to the principle amount ( {$90000.00} when combined with my public loans ). It would simply be financially negligent if I were to do so, and if Navient were to allow ( promote! ) this. I am XXXX years old, have no credit, have a low income with no way to pay off this gigantic debt in my lifetime - sound reminiscent of the 2008 housing bubble? It sure does to me. 

I have requested a payment that allows me to meet my other necessary living expenses - via multiple customer representative phone lines and email contacts - time and time again. I am always provided with the same response : Call the main phone number. Request a forbearance. 

I can not get a clear answer on what other options are available from Navient, while I have heard of many people accomplishing a lowered monthly payment through unknown avenues. 

I have sent paystubs, budget information, and bank statements seeking an alternative repayment plan, and have been circled back to the " solution '' of forbearance each and every time, ensuring that I will be adding to my debt in perpetuity, while barely meeting the minimum payments to avoid defaulting. 

I am not asking for loan forgiveness. What I am requesting is a common-sense approach to repayment : income-based payments, graduated payments, etc. Not forbearance. Not accruing interest endlessly. If my requests for a reduced payment plan is not granted, I will be at risk of default. 
I need Navient to reply with real, genuine information and help, rather than suggesting I try talks with a stiffly scripted customer service phone line or email address that will return me to square one. I 've dealt with this too many times thus far. 

Education is supposed to be the bedrock of the American Dream - something that is meant to establish a level playing field, where every young person can begin his/her professional life on equal footing. 
These private student loan companies have cast the field at a 90 degree angle, and those of us who were not privileged enough to find ourselves with college funds are grasping desperately onto the edge, running the risk of falling off the field completely. 

I am XXXX years old. I am already in a lifetime of debt, and Navient 's only solution is to add onto that.

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: CA

Complaint narrative:
I faxed in several copies of my XXXX orders and a written statement to any/all fax numbers I could find, and sent letters to addresses listen on Navient 's website requesting that they retroactively apply the 6 % interest against my account according to the Service Members Civil Relief Act, which they along with XXXX XXXX ( the original lender ) stated that student loans do NOT fall under SCRA protection. I never got a response back in any form. There should have at least been a check issued because the accounts were paid in full at a higher interest rate than the SCRA limit. 

Also, after learning Navient was now servicing my accounts, XXXX XXXX never gave me notifcation of any new account information, just a simple webpage that stated they no longer service the account. Navient states that I do not have an account with them at all. XXXX XXXX was the servicing lender when the accounts were paid in full, now I no longer have a history that they were automatically keeping a history on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 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: CA

Complaint narrative:
Dear CFPB, I have learned about the recent lawsuit against Navient. They have been my loan servicer. I have been paying on my student loans for years and the principal has barely gone down. It seems that all payments go to interest. I do n't know what information you need, but I 'm very interested in joining in this suit if I am eligible, or restructuring my loan so more of the payment goes towards the balance. I am XXXX yrs old, and still paying my student loans off. Thanks so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Describe what happened so we can understand the issue ... 
I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25 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: UT

Complaint narrative:
My son attended XXXX in XXXX, Utah. When he and I first talked with them about financing his education, we were informed that the total program would cost {$40000.00}, but he was given a scholarship from XXXX in the amount of {$20000.00}, which would leave a total of {$20000.00} that we needed to finance. 

I was given ParentPLUS loans, which we began paying before they entered repayment status. These loans have exceeded {$30000.00}. We just learned that my son also has Stafford loans that are approximately {$14000.00}, which he needs to begin repaying in XX/XX/2017. How can this be? That totals more than the initial cost of the program itself! 

XXXX is now closed for unsavory financial business practices. I believe my son and I are victims of these practices. What do I need to do to see about loan forgiveness in these circumstances? 

Any help you can give is GREATLY appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: CL Holdings LLC
State: FL

Complaint narrative:
I am a victim of identity fraud since 2011. 
XXXX XXXX XXXX XXXX XXXX is representing XXXX XXXX XXXX XXXX & XXXX XXXX XXXX who claims I owe them for purchases made in the amount of {$660.00}. I have already sent them a letter in writing with police report & other documents as proof that I had my identity stolen and that someone duplicated my social to file taxes in this same year. Since then yearly I get my credit report and the government sends me special instructions in order to verify myself when filing taxes. I have never ordered any items nor have I received merchandise at my permanent address ( 10 years ) XXXX XXXX XXXX XXXX XXXX Fl XXXX. I checked the only personal bank I use to confirm that I have not been charged nor was my account used to make purchases to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.

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 2016-03-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX, XXXX. 
Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Loan No. : XXXX. 

I have submitted a Request for Modification Application to to Bank of America 25 times in XXXX of XXXX i finally received a trail modification. 
I made all payments required and signed and sent in a final modification agreement, the bank claims they never received it and denied my modification. 
i then resubmitted many modification application in an attempt to have the bank provide me another modification. 

I have submitted the required documents to the banks office and confirmed a complete package is received, I also have a pending foreclosure sale date and the bank have not acted to suspend the foreclosure and cancel or postpone my sale date. They are duel tracking my loan, the same exact actions they were sued by the government which you have agreed to a settlement in lieu of a judgment commonly known as The National Settlement Program. 
The bank agreeing to the consent order is very clear of your actions then and still now. 
The bank also provided me notices that my loan was part of this Settlement. 
On XXXX XXXX, XXXX, I sent to the bank 's office a letter accepting the trail modification with a principal reduction under the terms of the national settlement agreement, and I made more than 9 trail monthly payments and sent in the signed final modification agreement to your offices. The bank claimed you never received such agreement and denied my application. 
I have submitted more than 5 more applications, all of which have been denied and ALL NEVER REVIEWED FOR THE NATIONAL SETTLEMENT PROGRAM. 
I am demanding action from your office to overlook the review of my loss mitigation file to ensure the reviewer is reviewing for the National Settlement Program. I also demanding a letter from your office indication clearly why I am not being reviewed for the National Settlement Program. 

You are required by Office of Mortgage Settlement Oversight and Office of the Comptroller of the Currency, are required by law to continue with a review under the National Settlement Program, even if you do not offer any government programs. Your denial did not include the under the National Settlement Program. 

At the time you must inform the bank as NOT to move forward to request a new sale date, a clear violation of the Real Estate Settlement Procedures Act, XXXX XXXX. XXXX. 
I AM DEMANDING A VERIFICATION THAT YOU WILL BE enforcing the bank to be REVIEWING MY LOAN UNDER THE NATIONAL SETTLEMENT PROGRAM. 

thank you please contact me by mail at the address above.

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 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Noticed {$25.00} fee on my XX/XX/XXXX Mortgage Statement from BofA. When I called to inquire, they said, they had done an audit on my account. That fee is from an occurrence XX/XX/XXXX ( over 10 years ago! ) which had never been charged by my prior lender, Countryside Home Loans. Refused to eliminate the fee. Maybe BofA is in desperate need of money?

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 2016-05-24 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: WA

Complaint narrative:
I recently submitted financial information to Navient for the IBR annual review. I received notice from Navient that they had received the documents but received an additional email stating that 'one of your loans can not be considered for IBR ' or words to that effect ( my loans were consolidated years ago ). I called to clarify this issue as it made no sense. I was told 'do n't worry about it. It 's a mistake and we 've received lots of communications from others who got the same mistaken information. ' This is the second time that Navient has sent mistaken emails to me after I sent documents required and requested for IBR review. It 's very XXXX to get these mistaken communications. And it 's disturbing to understand that many others are receiving similar emails. I have not yet received the results from Navient regarding my new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 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: LA

Complaint narrative:
I just do not know what next steps to take regarding my private loans. I can not afford to pay on these loans at all. I only brought home XXXX last year and I am a single parent. I would like to pay what I can which is not a lot, but the lender is saying it 's not enough. Since I have graduated I have not had a good paying job that will allow me to pay for my private student loans without sacrificing necessities. I have been trying hard to find a better paying job but I am afraid that the negative marks from these loans on my credit report are playing a huge factor as to why I am not able to succeed much in being offered a better paying job.

Company response to consumer: Closed with explanation