vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
RE : 15 U.S. Code 1681g - Disclosures to consumers I am writing this complaint to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. 
Currently NAVIENT is reporting XXXX charged off Signature Loans that were originally serviced by XXXX XXXX. I recently learned that XXXX loans are being reported for a school that I NEVER ATTENDED and from research discovered that does not exist. 

I have never attended any XXXX! 

School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2006 Original Principal {$3000.00} School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$7000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This debt has been ongoing with no bill ever received, no form ever received for amount, never called. I have asked for a itemized bill and nothing received but documents on XXXX/XXXX/2016 that I received a " bill '' and attempts to settle were " mailed to me. '' What I have received is Explanation Of Benefits '' but never a bill which this document states, This is not a bill. '' Furthermore I am attaching documentation of their correspondence with me and still no explanation or itemization of bill from services rendered and I am being accused of owing and which is falsely on my credit report as these agencies buy old debts and try and collect without proper documentation or notification to a client that in fact a debt is owed and added to their report. This is illegal under these terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Our initial mortgage was with Bank of America who offered to refinance, but the payment was as much as original mortgage due to pending mortgage deficiency, they then sold our mortgage to one of their subsidiary 's " XXXX XXXX XXXX ''. 

We had sought the assistance of XXXX to assist us with the refinancing. XXXX XXXX XXXX refused to refinance our mortgage telling XXXX they had received our paper work too late. However, this was in correct as all requested documents were sent and submitted within the time frame required. XXXX XXXX simply refused to work with XXXX on our behalf. 

In addition, XXXX XXXX XXXX it would appear intentionally caused our mortgage to become default, which resulted in them selling it to XXXX XXXX XXXX. 

XXXX XXXX at the time of selling our mortgage to XXXX on XX/XX/XXXX, was negligent in their fiduciary duties in that they did not disclose to XXXX that we had filed a complaint with your agency, Consumer Finance and that they ( XXXX ) had refused to work with XXXX. Their action resulted in the property being sold to XXXX without any consideration for our need and ability to re-finance in an attempt to save our home. XXXX obtain a court order resulting in us having to vacate the property no later than XX/XX/XXXX. 

The action of XXXX XXXX has caused not only the loss of our home, but extreme emotional distress and absorbent monetary loss and financial hardship. 

We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
After XXXX XXXX transferred my loan to Navient, WITHOUT MY PERMISSION, Navient has not allowed me to access my account. I 'm locked out and there is NO HUMAN CONTACT OPTION AVAILABLE BY PHONE! I can not unlock my account at all. 

Navient needs to return my loan to XXXX XXXX and be barred from XXXX Loans if they are not going to let people access their accounts. I did not give them permission to lock my account, making what they did a CRIMINAL HACK. 

Please get Navient out of the business and send my loan back to XXXX XXXX! 

If you do n't remove my account from Navient and send it back to XXXX XXXX, I have NO WAY to interact with them, meaning that ALL of my loans through them should be nullified completely. Heck, they should have been forgiven because I was a teacher in a at-risk, inner city school for more than a decade but that program excluded me because my loans were too old. 

PLEASE GET RID OF NAVIENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 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: CA

Complaint narrative:
My name is XXXX XXXX ( SSN *********** ). I am in the process of filing for bankruptcy and have fallen a little behind on my student loan from XXXX XXXX ( now Navient ). Navient has called a minimum of 4 times per day, does not leave messages, hangs up when I answer, and has started calling family members as well ( several times a day- 4 times yesterday, XXXX XXXX, and three times so far today, XXXX XXXX ). I believe this level of activity constitutes harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have requested 5 times that Navient not call my home or my cell phone. I am receiving at least 10 calls a day at all times on both numbers. When I do answer, it is usually an automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Re : Beneficiary XXXX TRUST DISCHARGE APPOINTED FIDUCIARY XXXX, ORDER APPOINTED FIDUCIARY, TRUSTEE, SURETY, GRANTOR, BANK OF AMERICA XXXX, CA XXXX BENEFICIARY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Appointed fiduciary 's ORDER TO PRINCIPALS IS ORDER TO AGENTS HOW TO PREPARE BENEFICIARIES TAXES IRS/FTB How to Prepare IRS/FTB Fiduciary Taxes Social Security 's # XXXX How to Prepare Fiduciary Taxes. " Names of People '' the constructive statutory Vessel all cap letter name of the USA corporation of " names ''. Undertaking the XXXX XXXX XXXX XXXX of the US can not be taxed. 
WITNESS XXXX BENEFICIARY XXXX XXXX XXXX, XXXX XXXX XXXX Beneficiary/ Authorized Representative of XXXX Trust XXXX PENDING DEBT BY XXXX " XXXX XXXX XXXX ATTORNEY XXXX XXXX and IRS/FTB XXXX XXXX ''. 
XXXX XXXX The XXXX ( XXXX ) XXXX Trusts " names '' are the specific denial of rights of Real Property, Personal Property and Ecclesiastical Property for most men and women, corresponds exactly to the XXXX forms of law available to the XXXX of the Bar Association Courts. The XXXX form of law is corporate commercial law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX and trust law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX law is effective because of the XXXX XXXX Trust of Baptism. 
XXXX XXXX The Birth Certificate issued under XXXX Law represents the modern equivalent to the Settlement Certificates of the XXXX century and signifies the holder as a pauper and effectively a XXXX. The Birth Certificate has no direct relationship to the private secret trusts in " name '' controlled by the private banking network, nor can it be used to force the administration of a state or nation to divulge the existence of these secret trusts. XXXX XXXX Given the private secret trusts of the private central banks are created on false presumptions, when a man or woman makes clear their XXXX XXXX XXXX and claim over their own name, body, mind and soul, any such trust based on such false presumptions ceases to have any property. 
XXXX XXXX Any Administrator or Executor that refuses to immediately dissolve a XXXX ( XXXX ) Trust, upon a Person establishing their status and competency, is guilty of fraud and fundamental breach of their fiduciary duties requiring their immediate removal and punishment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.

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 2016-05-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX XXXX

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 2015-07-23 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: VA

Complaint narrative:
Navient has for the second time placed fees onto loans in the " Rate Reduction Plan '' for me, which were not originally disclosed in the verbal contract I made in XXXX 2014. The most recent Navient employee ( his number is : XXXX " XXXX '' ) was dubious at best, and made a coerced demand for money when all previous payments have been on time. 

The verbal contract, made using their " rate reduction program '' set my loans at XXXX a month until the end of XXXX. Navient has stated somehow I owe them extra fees on loans that are being automatically paid! 

In addition, Navient has resorted to calling my home multiple times in an abusive manner, which is causing emotional and mental stress to myself and my cosigner. When the phone is picked up, they hang up the phone, not engaging in conversation. It was only when my cosigner was able to catch XXXX of these individuals calling repeatedly from Navient at XXXX, that we got information about fees that should not be attached to this loan. 

Navient has added mystery fees and lied about these loans in the past, so I do not trust them to correct this issue. 

I graduated from XXXX XXXX, in XXXX Virginia.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 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: GA

Complaint narrative:
Navient took over multiple student loan accounts of mine. My student loan accounts have changed companies so many times that I can barely keep up with what loan is where. 

I initially spoke with an agent to figure out what I owed on a monthly basis and to set up automatic payments. I spoke with an agent who set up the payments for me. I went above and beyond asking questions and I specifically said- " will this take care of all of my loans with Navient so I do n't have to set these payments up again '' She confirmed. 

As a consumer, I do not know how Navient runs its business. Nor is it my responsibility to do so. The burden of responsibility should lay with the company. Being up front and transparent with customers on how the company operates. Without my knowledge, my Federal loans ( which apparently are a completely separate department that the previous agent can not access ) went past due. Navient had on file, the wrong phone number, address and email for the Federal student loans- though I updated this information with the previous agent. I had no idea that my loans went past due since there was no communication to that affect. The only way I found out my loans were past due was by logging in to Navient ( which I rarely do since I have everything on auto-payment ). I logged on to print off balances on my student loans and realized I was past due several months. I immediately made the payment and set up recurring payments. 

The damage to my credit had already been done. I was reported as over 90 days past due on an account I had believed was in good standing. I called Navient to ask them to remove the past due and to address the issues with their faulty communication practices. They told me that I needed to submit a handwritten note and that their legal department would then " investigate '' to see if Navient did anything wrong. 

The thing is, the student loan process is already practically criminal with compound interest making it impossible for people to get out of debt. I am willing and able to make payments. I trusted what the agent told me when I first spoke with her. I trusted that when I asked if this took care of " all my student loans with Navient '' that she knew what she was talking about. How is it my responsibility to understand the inner workings of a clearly purposefully confusing process? 

I would like this information removed from my credit report immediately. I have every intention of paying my loans. The only reason these loans went past due was because I did not know they were due. If Navient had the correct information on file or if the agent I originally spoke with knew what she was talking about- this would not be on my credit report. I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called BoA ( Bank of America ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve answers.

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 2017-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
Very difficult to get different payment options through Navient. More or less if you ca n't pay what they set for you, they only give you the option to go into forbearance. If you say that 's not an option, they say " tough luck ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 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: NY

Complaint narrative:
Bank of America is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30 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: TX

Complaint narrative:
I have been calling Navient for weeks now in an attempt to lower my payment. I lost my job and am unable to make an astronomical payment. They are refusing to lower the payment amount. The Ombudsman will not return any of my voicemails. I do n't want to default but I ca n't pull {$400.00} a month together without a job and they are n't willing to compromise at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient incorrectly processed ICB repayment plan paperwork for at least 6 months or more. Each of these months I was put into deferment until they could resolve the issue. I called monthly to check on the status of the request and make sure it was being handled. Being in deferment caused me to incur more interest than necessary- their error at my expense. By the time it was resolved, I had to resubmit paperwork with the next set of tax returns- it took that long to resolve!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I would like to have Bank of America return the {$1000.00} early payoff fee that they charged my husband and I when we refinanced with another bank and closed out the HELOC loan with Bank of America on XX/XX/2016. We have had numerous calls with the branch manager and with the resolution department and have not had a logical response for the charge.

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 2015-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently applied to Bank of America to modify my HELOC Loan to a 40 year amoritization loan, in order to lower my monthly payments. ( All my payments have been and are current. ) On XX/XX/XXXX the Bank of America Underwriter denied the Modification even though my Debt to Income Ratio is 49.53 %, which is within the required 45 % to 55 % range. The Bank of America Underwriter 's denial was based on her incorrect calculation of the Ratio ( the Underwriters errors have been detailed in my Table XXXX ). 

On XX/XX/XXXX Bank of America changed the HELOC loan payment from interest only to amortized over 15 years. This resulted in the monthly payments increasing from {$720.00} to {$2100.00}, which is a massive 191 % increase. To cover these higher payments from XX/XX/XXXX to present, I have had to pay a cumulative total of {$25000.00} extra [ ( {$2100.00} - {$720.00} ) ( 18 months ) = {$25000.00} ]. If I had been able to modify the HELOC before, I would not have had to pay {$25000.00} extra, which is still increasing at a rate of {$46.00} PER DAY. 

I have been seeking a HELOC Modification for over 3 years now. I have FAXed in over 20 months of documents which has taken over a XXXX hours of my time, due to chronic and systemic complications with the process. I am a senior citizen and have been a Bank of America customer for over 40 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation