vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-28 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: MA

Complaint narrative:
XXXX XXXX/Navient has called my work on more than one occasion, even after explicit written requests to not do so. The most recent infraction was XXXX/XXXX/15 at XXXX XXXX. The first explicit written request to never call my work was sent on XXXX/XXXX/15. The second explicit written request was sent on XXXX/XXXX/15. Two non-explicit requests to stop phone communication ( and communicate only in writing ) were sent between those dates on XXXX/XXXX/15 and XXXX/XXXX/15. XXXX of the XXXX letters were sent via certified US mail, so they are confirmed to have been received, as a signature was required. 

The school I attended was the University XXXX in XXXX, MA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After an initial denial of a modification request based upon a job loss resulting in an income decrease of XXXX figures, Bank of America sent us a " settlement offer '' which stated unconditionally that our second mortgage of XXXX would be reduced in principle to XXXX, with resulting payments, etc, and not to accrue interest. The letter stated that it was a " settlement in full ''. There were no conditions mentioned, nor any restrictions. We contacted our " recovery analyst '' with a few questions. Would there be any pre-payment penalty? No. Were there any conditions on the settlement, including conditions on the sale of the home? No. After making these payments for 8 months, we decided that since were were no longer under water, to get a better handle on our finances we needed to sell and move into a rental home. Nearing the close of escrow, after a request from the escrow agent, B of A stated that the payoff balance was XXXX! The original XXXX, less the payments we had made since the " settlement in full ''!! They have told us that the payoff can not be paid from the proceeds of the sale of the home. This is the XXXX time this was ever told us. We spent thousands on repairs and inspections. We will now fall out of escrow. After being lied to ( It 's the law '' they told my husband. I, an attorney called back and stated I wanted the Code section on which they relied, then they stated it was probably an internal rule ). They consider this a short sale now. My request ( which would be for them to accept the XXXX, XXXX without regard to the origin of the funds, so we can sell our home, but I know this is not realistic ) is to provide better communication and information. Also, B of A has a " notice '' problem. This condition was never stated in writing, nor orally. They MUST be required to publish this information. It is a critical condition and materially affects the terms of the " full settlement '' which is not really a full settlement, more like a conditional forbearance. They have a legal problem with this, and when they get someone who has the time and patience, they will be facing another class action. What I really want now is to let our first foreclose, and let B of A get 100 % of NOTHING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 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: TN

Complaint narrative:
Obtained my degree, and have had difficulty finding a job since. Companies do not want to hire someone out of college with a degree. They seem to want to hire those with more experience. As a result, I have had difficulty paying my loans when I only make XXXX a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( BofA ) has represented to me a payment was received from the State of California on XX/XX/2013 applied to the XX/XX/2013 installment. However, BofA has also represented no payment received for XX/XX/XXXX and XX/XX/2013 installments and late fees assessed for these months. This information is conflicting as both can not be true. Thus, a material misrepresentation has been made and gone uncorrected on a mortgage or Deed of Trust. 

XXXX ) California Mortgage Forgiveness Debt Relief Act. 

XXXX ) Mortgage Debt Relief Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient hired XXXX XXXX XXXX XXXX to Collect on a private student loan. XXXX XXXX XXXX XXXX has repeatedly used deceitful collection practices to try and collect on the debt. I called XXXX XXXX XXXX Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. Navient has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.

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

Complaint narrative:
After I graduated from XXXX ( which also lied to me about the whole process of the loans ) I was given a suppose 6 month free period but the interest was still going thru that time period. I had reduced my XXXX debt down to XXXX after graduating thru means of grants and such for good grades and now that I have this diploma that does not even work since XXXX was a fraud and I 'm stuck here with the debt I was baited into and I just feel cheated and Navient will not work with me to maintain my payments at a recent amount, my options are pay over XXXX dollars a month, get a deferment which would just increase my loan or not pay at all and get harassed by them daily. Just seems like no one is there to help me after graduating, I 'm just a customer number to them that they want to extract money from. Perhaps talking about XXXX in this complaint about Navient ( XXXX XXXX ) but I just feel cheated by both companies, I can not attend school anymore with a loan because of it and I can not use the diploma either, it is just a piece of paper now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was sued by XXXX XXXX XXXX for an invalid debt XX/XX/XXXX. Court log states that I was allegedly served on XX/XX/XXXX at XXXX. I was never served for this case. In fact at that time on that day in XXXX I was at XXXX University conducting my XXXX from XXXX to XXXX. I then would have gone to babysit my friends kids so she could go to work and not return home till the next day. It is impossible for them to have served one of my neighbors in a case of mistaken identity because I am a XXXX female and at the time was XXXX, my neighbors were a XXXX male XXXX, an XXXX couple XXXX, and an XXXX couple. I feel any descriptive information that could have been provided regarding service was from their serving me for another case XX/XX/XXXX. In addition to having not been served, the debt purchased by Portfolio Recovery was Invalid at the time it was sent to collections as it violated a contractual agreement between myself and Bank of America regarding a 6 month account " freeze '' to protect my account while I was in Massachusetts attending college and unemployed because my son was diagnosed with XXXX. A huge portion of this debt was encurred as a result of late fees garnered during this period while I was under the impression that my account was frozen. The late fees were then combined with over the limit fees. Additional fees were then added on when the debts were sold from agency to angency all of which sent the XXXX ( XXXX? ) dollar original credit limit to XXXX! I was never able to rectify this discrepancy because when I came back from Massachusetts to find my accounts had gone into default and were sent to collections agencies the account had been sold and resold so much i was unable to identify the agency that had it till I was contacted by XXXX XXXX XXXX prior to their threats to sue. This is reflective of XXXX XXXX XXXX pattern of purchasing debts which they knew were invalid and unenforceable and intimidating consumers with the intent to garner default judgement. XXXX XXXX associates never provided me any information verifying the debt when I previously requested it during a phone call. I was told by an agent that I had to prove it was invalid and when I asked for the account information I was told they did not have the account information from bank of america that would show the arrangements for the freeze.

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 2016-06-17 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: NY

Complaint narrative:
When I contact Navient to attempt to lower my monthly payments based on my income, I am told that my necessary expenses such as rent and utilities are not considered in their calculation. I do n't know if this is common practice with all student loan lenders first with XXXX XXXX and now Navient I 'm being told I having a roof over my head and gas to cook with are luxuries. I 'd like to see this policy/practice changed with all lenders. 
Additionally, when attempting to collect past due payments companies should only be allowed to place one phone call per day. XXXX XXXX made a habit of calling a minimum of five ( 5 ) time per day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 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: IL

Complaint narrative:
As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: CO

Complaint narrative:
This is to follow up on Case number : XXXX. Since filing this complaint there has been no resolution. The treatment I have received from Navient is retaliatory. My original charges were based on predatory lending. I was forced into a payment plan that doubles my interest by capitalizing unpaid interest on my loan periodically and they failed to explain these terms clearly. I still have not been informed which payment plans do not have this hardship clause hidden within the terms. Now, my balance is completely out of control. 

The retaliation piece is that it took over 2 months after a request Navient Consumer Advocate XXXX manager to contact me to explain these plans, despite the fact that I insisted multiple times around XXXX that one contact me. ( Horrible, horrible customer service. ) After another month of phone tag I finally spoke with XXXX. I still am not aware how to avoid paying double interest, and the details of the different plans. In any case, the cost of living is out of control and the best payment plan he offered is impossible. I told him what I could afford and he was unwilling to work with me. 

I also asked for a statement from Navient CEO XXXX regarding how secret double interest payment plans falls in line with his mission statement that involves helping students reach financial success. Needless to say I have not heard from him. 

Furthermore they are extending the process and willfully inflicting mental distress by making me resubmit information I have already given them to allow me to go into this new payment plan, which I can not afford. 

Is the goal of Navient to force people to default on their student loans by being predatory a lender and servicer? This is literally threatening my financial life and it can not be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ

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 2015-03-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: RJM ACQUISITION LLC
State: AK

Complaint narrative:
When this debt was reported to me I had made three attempts to settle my original debt with XXXX creditor in the sum of {$99.00} for a false claim that I owed that sum. My checks were returned XXXX time from XXXX XXXX with the explanation that I had already met my purchase obligations. Funds were available in my accounts I used to send checks for XXXX that I had already paid for under the clubs mandatory purchase policy. This original transaction with my XXXX creditor took place sometime around XXXXwhen my check was returned. My account was passed to RJMXXXX around XXXX XXXX, XXXX and I continued to dispute that collection notice. 
RJMXXXX continued to harass me over the next 2 years for the {$99.00} sum that they claimed I owed since I refused to pay until they were able to prove that I owed that original debt but they were never able to produce any documentation from XXXX that I failed to meet my obligation in purchasing the required membership DVDs. 
I eventually relented and paid the {$99.00} sometime in XXXX XXXX. 

My RJMXXXX account number reads XXXX I recently attempted to contact RJMXXXX at the following address : RJM ACQUISITIONS LLC/ XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, Phone # : XXXX The reason for my recent attempt to call RJMXXXX was to ask them to remove this {$99.00} collection notice from my credit report since I consider it to be incorrect and I have continued to dispute this item from the inception. 

As of today 's date I have not been able to contact RJMXXXX or any of their representative that have inherited their active accounts since I have been informed that RJMXXXX is no longer handling my account and every number that I call is either not in service or the representative or their supervisor can not do anything about my request since they do n't have my account since has been closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 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: MO

Complaint narrative:
they will not work with you on payment. Also I have paid over {$6000.00} over the past three years and this money paid has not touch the principal of the loan at all. I paid {$280.00}. per month for several years and XXXX another year. they are rude and I had it on auto pay and had personal issue and asked the to skip one payment and the stopped it completely and when I called to correct it they said I was several months. I also asked when my auto pay was completely shut off they said I told them too. I said no I did n't and they needed to check the call log they said they would and never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is in reference to my previous complaint : Case number : XXXX still have the same issue. The bank apologized and confirmed it wo n't happen again but I still see the same issue where my credit card disappears from my online account after XXXX of every month, so I am unable to check my transaction status online. I am wondering if I should file legal action to have this issue fixed once and for all, since the bank does n't seem to take this issue seriously or do anything about it yet.

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 2016-12-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have been with Bank of America for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?

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 2016-03-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I am robo-called an average of 6-8 times a day from Navient. In one month, from XXXX XXXX to XXXX. XXXX. I was called 112 times. I have spoken to this company several times about my debts. They have been unwilling to accept any terms. They have called me before XXXX. I have at least one saved message from before XXXX. Several times I get a call every hour. Occasionally, these calls will also occur within minutes of each other. One example is I was called ar XXXX XXXX, then again at XXXX XXXX. I want the excessive harassment to stop.

Company response to consumer: Closed with explanation