vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I consolidated my student loans last year in XXXX with XXXX. I found out that XXXX loan through XXXX XXXX was not consolidated because they refuse to send XXXX the information about it. XXXX has continuously contacted them and no response. On XXXX/XXXX/15 I found out that instead of being sent to XXXX it was sent to collections. Now instead of the original amount, they have added interest and fines to XXXX the amount. I believe this is a total scam!

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: FL

Complaint narrative:
I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. 

This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. 

I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. 

To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! 

My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans.

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: NC

Complaint narrative:
Multiple phone calls seeking a lower payment or affordable repayment options without having to defer loans due to tight finances was told every time had to pay the amount no options or way to reduce payment also not sure payments fully applied correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 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: IL

Complaint narrative:
They have elected to apply my payments to interest only, thereby artificially extending the terms of the loans. I can not believe that it is legal to extract interest only payments, I would expect that even in the toughest amortization schedule it would be impossible to never see the principal paid down after 15 months of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have tried to contact Navient 5 times to resolve the issue of Teacher Loan Forgiveness. During that time they have told me a number of things that I know to be incorrect, such as " You must serve 5 more years from the day you apply a payment to your account in order to be eligible for teacher loan forgiveness. '' I know that this is untrue, as it is the years I spent XXXX TO earn the XXXX award, not when I use it. It states this on the Federal Student Teacher Loan forgiveness page. They have denied my forbearance request and even claimed that I am not eligible for teacher loan forgiveness at all. When I quoted the website and a conversation to refute these claims, they suggested that I contact XXXX, the guarantor. When I contacted XXXX they answered the phone as 'Navient. ' When I asked for clarification, they gave me another number. I asked, " Is this for XXXX? '' They said, " yes. '' When I called that number, it was the XXXX line. I am fed up and have had enough.

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

Complaint narrative:
XX/XX/XXXX, I called Sallie Mae to start the process of paying my student loans. I graduated XX/XX/XXXX from XXXX University. In finding out that my monthly payments were quite high, I wanted to find out what options were available to me to lower the monthly payment. 

I spoke with a very nice woman, based in Indiana. I believe her name was XXXX. She told me about the rate reduction program. I applied, and was told that I would need to miss a payment in order to be considered. Though I thought this was strange, I obliged. 

Soon thereafter, I found out that I had been accepted to the program. By that point, I had all of my loans scheduled on autopay, and, according to everyone at Sallie Mae, everything was on track and good to go. 

On XX/XX/XXXX, I tried to apply for an apartment in XXXX XXXX. To my surprise, I was denied and told that I had an exceptionally low credit score. Because Sallie Mae was the only company that I was indebted to ( besides federal loans ), I immediately thought that there might be an issue with my Sallie Mae account. I spent my entire lunch break speaking with an associate, and then a supervisor. The supervisor assured me that the credit issue was not associated with Sallie Mae, and that the company had never reported anything related to my account. 

When I returned home from work, I ran my credit report, and found that my extremely low credit score was, in fact, due to Sallie Mae reporting my " missed payment '' to the credit agency. Because of my low credit score, I was denied housing and had to spend years fixing it. This was a huge hassle - especially for someone right out of college. And to make matters worse, my interest rates/monthly payments were astronomical.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX/XXXX/2012 Bank of America charged me {$750.00} for debris removal. Bank of America never removed any debris. After contacting Bank of America, I was told I was going to be credited the {$750.00} since it was a false charge added to my mortgage. Bank of America has still not yet credited the {$750.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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: IN

Complaint narrative:
I never could decrease the amount to be repayed and the amount even being on XXXX has been fully handled fairly. The school I attended due to homelessness and lack of employment did not allow me to keep up with the monies I owed. As of the XXXX of XXXX I was approved for XXXX with the catch being if I make over {$16000.00} I would have all of my loans reinstated. I find that to be unfair and I fear being put back in debt with no regard for the cost of living with basic needs being met on my income. I 'm allowed not to make over {$1000.00} per month with social security, yet if I make over {$16000.00} I will have to pay over {$60000.00} in student loans back. This has me feeling like I will just drown and not live productive. Please help me figure what to do. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I first e-mailed the Bank of America for a payoff amount on my mortgage on XXXX XXXX, 2017. Although this generated a reply that my e-mail would be answered within two days, I received no reply. I again e-mailed on XXXX XXXX, and again received no reply. I called on XXXX XXXX and received an automated replay that the payoff would be {$18000.00}, and also received a telephonic message that I would have to call and stop automatic payments. The automated phone line would not accept the instruction after hours. I called, I called on XXXX XXXX, waited over twenty minutes to contact someone, asked for a payoff now for XXXX XXXX and was told a letter would be sent. I also was asked to remain on hold while the operator transfer me to someone who could stop the automatic payments. 

I transferred the payoff amount as of XXXX XXXX, but the bank ignored it as a payoff and applied it as a regular payment, deducting an escrow amount and leaving the automatic payment scheduled. I called to get this corrected on the XXXX but was placed on perpetual hold. The bank is misapplying my mortgage payoff and THERE IS NO WAY TO CONTACT THEM. THEY LIST A PHONE NUMBER. AFTER YOU GO THROUGH THEIR SELECTIONS AND ASK FOR AN OPERATOR, THEY PLACE YOU ON PERPETUAL HOLD. THEY DO NOT REPLY TO E-MAILS. THEY HAVE MISAPPLIED MY MORTGAGE PAYOFF WHICH WILL DELAY MY PAYOFF DOCUMENTS, WHICH I NEED, AND THERE IS NO WAY TO TELL THEM SO. I WAITED OVER HALF AN HOUR TO BE CONNECTED TO A PERSON AND LISTED TO " YOUR CALL IS IMPORTANT TO US. WE 'LL BE WITH YOU MOMENTARILY. '' I LISTENED TO THIS FOR 31 MINUTES AND CHECKED FOR A REPLY TO MY E-MAIL EVERY DAY SINCE.

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 2016-08-24 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, but I was XXXX XXXX in high school which I never graduated from XXXX. I since have had my XXXX change at XXXX I 'm now XXXX, I still never got my highschool degree nor GED and I 'm being harrashed about paying this back

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX, XXXX XXXX, complaint against Bank of America loan provider, XXXX, loan sent to them by Bank of America, and XXXX. 
My brother had a loan with them for about ten years payment XXXX mo. he paid every month XXXX towards loan. Contacting B of A. in XXXX of XXXX to redo his mortgage with a payment of XXXX. In XXXX of XXXX he sent back the papers to the Bank with them coming back saying it was not his signature in the papers but XXXX had XXXX making is writing some different but ledgable.. We went to a legal aid office in XXXX NC for help. XXXX XXXX XXXX was the attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX. We asked for help with Bank of America she has a lot of problem with B. of A. they would hang up on her never returned calls asking for odd info this kept up for a year into XXXX. No payment have been made since then due to me trying to get a reverse mortgage. 
There was so much pressure on my brother that XX/XX/XXXX he gave up stopped his meds and then passed on the XXXX of XXXX XXXX. 
***** The rest of the information and finishing giving you all the important fact is continued on a PDF I have included along with lots of info from these companies and attorney. I did this as per speaking to your office earlier today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: FL

Complaint narrative:
I graduated at XXXX XXXX XXXX in XXXX 10 years ago, with the promise to get a job as a chef. After 10 years still hard to find a good job in XXXX to pay my expenses. 
Because of that XXXX XXXX XXXX received a lot of lawsuits and they are closing the doors this year. 
I call XXXX XXXX ( Navient ) to help me in 2016 because I was receiving unemployment and they are very hard to deal with. I offer {$50.00} a month and they said the minimun was {$250.00}. 
I will keep paying the Federal Loan but I will stop to pay Navient. 
After 10 years my principal came down from XXXX to XXXX only! it is pathetic, a trap, this loan never ends!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: SC

Complaint narrative:
My student loan payments were not dispersed correctly and I was not given a reasonable monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and bank of america has denied my dispute even thought the signature for forged ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I was told by Navient that my loan was in a long term forbearance since the loss of my children 's father. They said that they would defer my payments until XX/XX/XXXX and that I would have to pay interest when i started repayment in XX/XX/XXXX. Because of financial hardship I was told this was the best option in XX/XX/XXXX. In XX/XX/XXXX I was surprised to find a report on my credit that my loans were delinquent when I had just responded to their email asking if j wanted to continue deferring payments. I was told " not to worry '' since it was on record that I was experiencing hardship and would begin payments in XX/XX/XXXX. Now they have intercepted my tax return and did not forward our previous arrangements to the department of education. I was mid-led & deceived by Navient and in my opinion anyone coming after them to try and clean up their collections is also being mis-led. I have a strong desire to pay my debts and accept full responsibility for them. However this deception has wreaked havoc on my credit and my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Both debts, ( XXXX XXXX hospital, XXXX XXXX XXXX ), occurred while I was unemployed and homeless. I was covered by XXXX. Also known as XXXX now. XXXX XXXX 's medical safety net program. In both cases I submitted my information at the hospitals.As required by XXXX. In both cases it was n't possible for me to return to XXXX. for treatment. In XXXX I passed out from XXXX, thus the ambulance. In XXXX XXXX I was a outpatient and treated for a XXXX. When in XXXX XXXX My car had broken down .So, at XXXX I did n't have any transportation to the closest XXXX hospital ( XXXX-XXXX miles away ). I was told that in situations like the one I was in. Reciprocal services are extended between the counties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding is illegally reporting a re-aged charged off account on all XXXX of my credit reports. I disputed this information with Equifax credit bureau and they informed me that Midland Funding verified the date of last activity was accurate. However the date of account opening has been changed based on my credit report and the information provided to me by the original creditor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received treatment at a medical facility in the summer of last year. Multiple charges were incurred and my insurance carrier paid all but XXXX or XXXX. The ones they did not pay were coded incorrectly by the medical facility so they were declined ( I was completely unaware ). I was contacted by the debt collector almost 8 months after I received the treatment. They actually contacted my wife and I called them back immediately. I disputed the debt and asked that they provide me with some information so that I may contact my insurance company and get the matter resolved. I was completely unaware of the debt, but was willing to resolve it as it should have been paid prior to collection. The information that they mailed me was a XXXX page document with absolutely XXXX details on it. After several conversations with the insurance company, they indicated that they would contact the medical facility and would be reprocessing the claim. In the meantime, I had asked the debt collector if this information was going to be reported to the credit bureaus. They assured me that no reporting would take place, especially considering the billing situation and the fact that I was disputing the debt. They lied. In XXXX of this year, they reported the debts. As a result, my credit scores have fallen XXXX points. This is completely false and deceptive. I have never received another communication following up on the dispute or trying to check the status on the insurance claim. I updated my address and phone number with them. There is no excuse for zero communication and immediate negative reporting on my credit bureaus. I am demanding that these debts are removed while the insurance company works through the billing. Had the medical facility properly coded the services and had the debt collector communicated properly, I would not be in this situation. I feel completely powerless here. I worked hard for years to keep my credit scores above XXXX and to lose XXXX points because of this incompetence is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
XXXX XXXX is selling prepaid gift cards that are not able to be used at merchants. They are supposed to be good at any merchant that takes XXXX XXXX, and the transactions are always declined no matter what amount the transaction is for. I believe the transaction decline is by design to deliberately make it difficult for customers to use their gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.

Complaint narrative:
Midland Funding bought a debt from XXXX ( South Dakota ) XXXX Midalnd claims it 's a debt I owe. I send them a request for verification and they could not provide any evidence. I informed them I never have process a loan with XXXX. The debt shows on my credit report rendering bad score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I paid XXXX to settle the above debt and it was removed from my credit report. I received an alert that the debt had been added back. Although it has been paid in full and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
Collectors may NOT add interest, fees, expenses or charges of any kind to the original debt.

Company response to consumer: Closed with explanation