vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-02 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: SC

Complaint narrative:
My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: PA

Complaint narrative:
I believe I am XXXX of the debtors that Navient has " systematically and illegally '' failed. 
I have been paying back my student loans since 2010, I have had my payment plan switched multiple times, and I have even made payments directly to the principal and yet it seems like the amount I owe has been coming down at a snail 's pace. Virtually zero information has ever been shared with me and anytime I called in to talk about my loans, I was just moved to another plan which, based on your allegations, makes me think I was moved to whatever the corporate mandate was at the time. I would really appreciate the CFPB 's help in looking into my account with Navient, figuring out what has gone on with my loans, and determining if I am owed any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: CA

Complaint narrative:
I have three complaints 1. Three years ago my husband ran out of forebearances and deferments on his loan and Navient said that his repayment would be {$590.00} a month ( {$60.00} was to principle. ) He told them we could n't afford it and they checked his income again and said that was the best they could do. We made payments ( under extreme financial duress ) for 8 months. Then my loans went into repayment also - {$450.00} and we could n't pay anymore. Navient would n't help either of us. 
Finally when we came close to defaulting, I recieved a call from XXXX and the man on the phone told me about the IBR plan, which had been in effect this whole time. 
Navient NEVER mentioned it. 
My husband and I applied for an IBR plan and our repayments were set at {$170.00} and {$180.00}. 
During the two months that Navient considered our applications for the IBR they continued to charge us the former payment and claimed that we still owed it. 
2. I 've now been in the IBR repayment plan for 3 years. Each year though I begin the recalculation process and Navient screws it up, loses paperwork, stalls, takes two months or more, loses mine or my husband 's paperwork, or claims that we clicked a wrong button ( this year apparently my husband claimed that he did n't have a wife even though they service my loans, had already approved my request for an IBR based on his income, and every other year I am on his IBR request ) During the months that it took to get the IBR request reinstated Navient charges us for missed payments. 
3. Right now we are on a {$0.00} repayment because my husband was out of work. While the IBR was recalculated last spring it took 3 months to get his paperwork right. He was charged {$1700.00} during that three months and even though he does n't owe any IBR payment, they want him to pay the {$1700.00} while we waited for them to calculate my IBR. Navient calls him twice a day demanding payment, even on holidays. he no longer answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: MT

Complaint narrative:
I have {$4400.00} or so on my Student Loan, But that total has not really went down Since XXXX When I checked back with XXXX XXXX Back in XXXX how long it would take to pay of the money at that time was {$5600.00} so I started to pay on the loan {$73.00} a month and have been paying every month it now XXXX and this amount it is now {$4400.00} how in the world does that work, so over the past from ( 9 ) years all that I paid in principal is {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 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: NJ

Complaint narrative:
Bank of America has placed a Hard Inquiry on my Equifax report without me giving them permission to do so.

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 2017-03-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I currently am the verge of defaulting on this private loan. I sent Navient XXXX and am willing to send another XXXX every month. The payment amount is XXXX per month and im 3 months behind. At this time i am unable to afford XXXX a month. A representative on XX/XX/XXXX took a financial statement from me and offered me a program that is for 15 mos at a interest rate of 2 percent of the loan and it only covers interest. The payment would be XXXX. I told her i am unable to afford the XXXX this time. I have a financial hardship what else can you offer me? She said nothing can be done. 

I need something else done with this loan. This loan is illegal it originated in my early XXXX. The interest rates are so high that its designed for me to never pau it off. 
The school XXXX that signed me up for this illegal loan had many lawsuits due to their bad business practices and has since gone out of business. I asked that this loan be forgiven. Ive been paying pure interest to this loan for 10 years and i now owe XXXX and i fear itll be XXXX by the time i reach retirement age. Again, since i do not meet any of your programs i ask for this loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In Complaint # XXXX, Bank of America indicated that a lien release letter was mailed to me on XXXX XXXX, 2016. The letter was NOT mailed to me - as of this date it has not been received. I am starting a new complaint on this because the CFPB system indicates that my formal complaint was closed, even though I responded that to the company 's response that the lien release letter has not been received by me. My calls to the gentleman assigned to me by Bank of America to resolve complaint # XXXX has not returned my recent calls.

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 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
What 's up with these XXXX banks, forcing us, against our will, to use their flawed, chipped cards? On XXXX XXXX, 2016 I stopped to get some groceries on my way home from work. I bought XXXX dollars worth of food and was told at the check stand my card was refused. On XXXX XXXX I called my bank ( Chase ) and was informed that they de-activated my ATM card, which expires XXXX, and that I HAD to use the chipped card that they sent me. I told them that I never received a new card from them, that I did n't want to use a chipped card, and that short of going into the bank for each and every transaction that I had no access to my money. Their response was that they could direct me to a place where I could go to pick up an expediated card! their card is flawed! I 've seen Chase Customers go up to Chase ATM 's and walk away saying that the ATM was broken. I put my non chipped card in and the ATM worked just fine! Many stores are NOT or only partially set up to use a chipped card. A flawed system should not be foisted upon people who do n't want it. When they came out with a finger print option on your card, it WAS just an option. Now Chase and a few other banks are forcing customers to use a flawed system and I 'm unable to reasonably be able to access my funds! Ca n't Chase and these other banks be told to honor their customers valid ATM debit cards? Is n't there a way that they can be forced to give their customers a choice as to the service they want? XXXX shoe does NOT! fit all! I 've received absolutely no prior notice from Chase and they are denying me proper access to those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
synchrony bank-account # XXXX after negotiating a settlement and sending a money order they informed me that the debt is past the statute of limitations and they wont give me my money back or remove it from my credit report I paid them {$490.00} they want update it to say paid in full or nothing how can I get my money back? synchrony bank. XXXX XXXX XXXX, fl XXXX I talk to XXXX & XXXX XXXX/XXXX/15 on around XXXX cst ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is having me pay {$130.00} per month into an escrow account for taxes and insurance ( says it on the bill. ) The taxes are $ XXXX/month and the insurance is {$26.00} per month. Neither bills have been paid, and after 3 hours on the phone and bank visit, no one can figure out why. They are saying that I either need to pay it myself, or wait one week to be contacted by them. Meanwhile, I received a letter on XXXX/XXXX/15 stating my insurance was going to be cancelled because of this. They ( XXXX XXXX ) said they sent Bank of America several bills for {$310.00} ( now {$340.00} for late fees ).

Company public response: Company 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: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have contacted General Revenue Corp 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XX/XX/2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: FL

Complaint narrative:
Bank of America has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Bank of America reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Bank of America customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Bank of America 's " monthly maintenance fee. '' I think it is wrong that Bank of America obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.

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 2017-02-02 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: KY

Complaint narrative:
I 've had a student loan for about 8 years and financial squeezed for a majority of that time. For at least the first 5-6 years I 've had my loans in deferment because I was suggested it by my loan sevicer. Not until recently, because I 've been adament about repaying did I hear about the income based repayment program that is offered. Furthermore I have XXXX different loans all with drastically different interest rates. The repayment process seems convoluted and hindered with many obstacles. I 've made well over a years worth of payments and my loans have seemed to increased exponentially. I feel like that my loan servicer is clearly not interested in cooperating with reducing my loan balance and is clearly more interested with my interest %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have been making payments on my loan and they have misappropriated my loan amounts in the pass and also make threatening phone calls to my grandmother threatening court etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
While attempting to negotiate some sort of settlement with Wilber Law Firm/Group, etc., I was repeatedly spoken to with complete disrespect. The representative XXXX, was rude and unprofessional on most every call I 'd ever experienced with her ( about 4 or 5 ). After several unsuccessful attempts to negotiate a reasonable repayment plan and consistently being spoken to like a useless bum of some sort, I eventually decided I 'd need to find a different route to settle this debt especially being that all of the harassment was coming from a " debt collector ''. I later learned that law firm had already sent a letter to the DMV causing my driving license to be suspended months earlier. I am currently in the process of researching if the action was even a legal one on their behalf. I even mailed a letter to the firm during all of this informing them of the tactics being used to force me to pay the debt. Who responded? XXXX. When I called for the last time to attempt speaking with a different person ... again I was taunted my none other than XXXX. When requesting verification of the debt, she mailed me cut off documents that explained none of what I 'd asked for After she 'd already let me know that the company should n't need to waste their stamps due to me being irresponsible. I later researched to see if I was the only person having such a problem from this company to learn that several complaints have been filed against this company for many of the same reasons and some even worse. The lists of complaints go back for years. Well, add this one to the list.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am XXXX, with a retroactive date to XX/XX/XXXX. I found out I had student loans with Navient, they refused to help me file an identity theft issue. I spoke with them multiple times, between XXXX and XXXX, and told them I was XXXX and could n't work, and was waiting for a decision from Social Security. I told them I had Medicaid and got XXXX. They told me to put my loans in deferment and forbearance status, and that no interest would accrue. They told me that once I was approved for XXXX, they would discharge the loans. I was approved for XXXX in XX/XX/XXXX. When I sent them the award letter, they said that they could n't discharge it because my review would be in XXXX, even though they said I was XXXX since XXXX and that entails a review 5 years from the date of award, they said I did n't qualify for XXXX discharge because I had a review scheduled in 2 years, not 5 or 7. They then told me to defer and forbear my loans again, and that no interest would accrue. I told them I made XXXX per month. Last month, Navient sent a letter saying a payment was due for {$9.00}. I paid it. Then they told me next months payment would be {$150.00}. I spoke to the Department of Education, because I had loans due to them to, and they told me I needed to apply for income based repayment. I applied through student loans.gov to do income based repayment for navient and department of education. They approved me with a monthly payment of {$0.00} over the next 25 years. I logged in to Navient and it was approved for {$0.00} over 25 years, with annual renewal forms. However, I noticed interest has accrued on my loans since XXXX. Navient never told me I could apply for income based repayment, and the department of education did not tell me that either until I started crying on the phone because I could n't afford payments and the interest kept accruing. Basically I qualified for income based repayment since XX/XX/XXXX when I applied for social security benefits. And nobody told me. I could have entered an IBR then and had three years worth of {$0.00} payments completed and be 3 years closer to having my loans forgiven/paid off! And I also would n't have to pay back as much money, because instead of interest building up for three years, I would have made the $ XXXX monthly payments. My credit score was destroyed because of this, and I had to go to bankruptcy because my credit score was so bad. I cant get a mortgage or anything because my credit score was severly damaged by navient and the department of education. they should have told me about income based repayment years ago when I became XXXX and told them I was awaiting a social security XXXX decision and had NO INCOME.

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: NY

Complaint narrative:
I switched over to XXXX servicing because I qualify under the public service forgiveness loan. I spoke to several representatives from navient assuring me that all my payments from XX/XX/2015 would count towards the forgiveness. Well I was told my XXXX that I had to change my payment status. So I redid my information and was told of my new payment but that none of my payments from navient would count for the forgiveness loan. Navient assured me it would. Now 2 years of payments meant nothing for the forgiveness. I would like that rectify since the only way I will go income base with XXXX is if my payments from XX/XX/2015 count towards the forgiveness of the loan.

Company response to consumer: Closed with explanation