vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-10 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:
I contacted Navient last month and told them I could n't afford the payment plan they had me on. They so no problem, put a temporary forbearance on the loan and sent me a list of other payment plans I qualify for. I chose one, sent it back to them, 5 times now! And yet today I get a notice that I 'm still on the old payment plan I ca n't afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In XXXX of 2016 I received a letter from a company named Navient stating I have to make a student loan payment to them. On XXXX/XXXX/16 a certified letter was mailed to Navient requesting validation of the allege loan debt. Navient has failed to validate the debt and is in violation of Fair Debt Collection Practices Acts that require a debt collector to validated the debt they are attempting to collect on. Navient is harassing me and conspiring to defraud me by violating Federal Laws which demand a debt collector to cease and desist collection activities prior to validation of alleged debt. Furthermore Navient continues to attempt to collect on an alleged debt without strict proof of its existence falls under Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 - Fictitious Names. 

I also reviewed my XXXX credit report and noticed Navient published a negative remark. This is defamation of character and a violation of Fair Credit Report Act which requires accurate information be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I have several private student loans with Navient/XXXX. I and my mother have taken steps to arrange payment arrangements several times, but we are constantly being told that our payments were not applied and that the accounts are always past due or nearing default. Speaking with representatives proves to be fruitless and little action is taken to remedy the situation. Information from XXXX phone call is given and then a new representative will follow-up with incomplete information or information that does not match which was previously discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
Bank of America XXXX BA ) lied regarding interest charges. The contract on promotional balance transfers clearly states that any payment above the minimum payment is applied to the highest/older interest balances. This was also repeated verbally by BA representatives upon an additional balance transfer on XXXX/XXXX/15. We paid off the older balance of {$5000.00} before the promotional expiration date of XXXX 2015, but BA started charging interest unjustifiable. After complaining each and every month of this, each representative told us that this was a computer glitch, that we were not the only customers affected by this, and that the glitch was going to be fixed by XXXX/XXXX/15, and all interest charges would be reversed. Upon calling today, XXXX/XXXX/15, to verify that the glitch was solved, the BA representative told me that there was no glitch, and that I owed interest from the previous balance, which has been paid in full which can be verified through my bank 's records. I have closed this BA account, I am in the process of transferring the full balance somewhere else, with the exception of the interest charges that I am hereby disputing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-01 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: CO

Complaint narrative:
I am a mother and co signer of my daughters private student loan of {$65000.00}. When she XXXX the job choices and pay were below the standards of what she expected to make. With a XXXX degree XXXX she is only making {$11.00} and hour. Living in XXXX XXXX the cost of living is high and she can not afford to live and eat as well as pay a {$500.00} payment to Naviant. We are disappointed and angry after calling numerous times to see if they can work with her to make it possible to pay less. My daughter and I both are experiencing financial undue hardship because of this. We are considering defaulting and just walking away.. The new name Naviant use to be XXXX XXXX. They refuse to budge or work with us. They will take the chance of getting nothing $ $ from us ...

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XXXX changed to Navient and I had automatic payments and was not notified that the payments were not going to be transferred. Because of the the loan went unpaid and this caused negative marks on my credit, I have called Navient to correct these negative marks to bring my credit score back up and they will not comply even though I corrected the issue as soon as it was discovered and have been making my automatic payments through my bank. Such practices can ruin the credit of a former student making finding housing and purchases impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Short sale and Foreclosure conflicts - in early XXXX 2015, I spoke with XXXX XXXX or another bank individual regarding my home loan. I requested to go forward with short sale proceedings. While I was informed by the bank that the loan was in foreclosure, no action had been taken. Well, over the weekend I received a notification from XXXX XXXX. XXXX in XXXX, VA and learned that my loan was referred to their offices on XXXX XXXX, 2015 for foreclosure. The letter from the attorney also states by law I am not allowed to stay in the property unless conditions are met. It is evident Bank of America - did not cancel the foreclosure proceedings once I agreed to a short sale. 
An appraiser came to my home in early XXXX 2015 for what I thought was a part of the short sale process - now I believe it was ordered by the bank for foreclosure. Since my request to go forward with a short sale - I have had XXXX different Customer Service Relation Managers : XXXX XXXX, XXXX XXXX, and now XXXX XXXX, however, the call goes straight to voicemail. She sent me emails with information that is no longer valid ( see enclosed ). When I was finally able to log into the short sale system - she had already declined my request. Much of the documentation in the welcome package requires information regarding a realtor. It was not until last week, that I was able to obtain any interested realtors as this is not their first choice of home selling. I am requesting that I be allowed to short sale my home for financial and creditworthy purposes - that Bank of America cancel the foreclosure proceedings, and keep me constant with one Customer Relationship Manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I agreed that Navient ( services XXXX student loans ) could go into my checking account for XXXX to pay on my student loan ( a combination of my loan and interest on my college student son interest of his student loan ). Navient went in my bank account and took XXXX leaving my account XXXX dollars over drawn. I incurred insufficient fund fees and was left with out money for travel to work and gas fees. My family depends on me since I am the sole provider in my household. I sent Navient faxes of my bank statement showing them the error and my bank states Navient, does this quite frequently to their customers XXXX I talked to Navient to in sure they had received my request to return the stolen money and they agreed to put the money back in my account in 2-3 weeks. this is the third week and still no returned money, no letter of apology. I know I owe them a debt but it is so dishonest to take money out of my account that they had no permission to take almost XXXX dollars. I was not in a delinquent status. Please help me retrieve what they have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The mortgage company, Bank of America, requested an IRS Form XXXX to verify tax information. We completed and signed that form. I later received correspondence including a copy of the form the Bank submitted, from the IRS requesting contact to their identity theft department. When I compared the original form to the one submitted by the bank, the original had been altered. The requesting third party had been changed but our signatures still appeared on the form.

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 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Strong arm Lender Placed Flood Insurance, suspicion of wrongful conduct by by Bank of America Home Loans XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. Bank of America has forced Flood Insurance premiums for insurance on a residence that according to revised FEMA flood mapping is well above the 100 year mean high water flood stage and additionally, the residence is well above the 500 year flood level indicated on the FEMA mapping. We are consistently having trouble communicating with Bank of America Insurance Department. We have sent documents from a local Professional Licensed Surveyor and have sent FEMA mapping indicating the same. Curiously, B of A reports never having receive the paper work after sending the same many times. Our attempts to follow up on these issues typically result in B of A requesting that we re-send the documents or forms in question or passing us from one B of A employee to another that lack any common sense or authority for several hours at a time. Bank of America has decided to charge our family excessive ( XXXX XXXX XXXX ) insurance fees to my line of credit and upset our monthly home payments. We have had nothing but trouble with Bank of America since Countrywide was purchased by Bank of America. Bank of America truly should not be able to wear the moniker " AMERICA ''. 
Our desired resolution would be that, Bank of America accept our professional licensed land surveyors professional judgement that our residence remains higher than the 100 year flood mark and well above the 500 year flood mark as it has for the last 25 years. Funny, thing is our county will not let a person build in the 100 year flood plain and it has had these county rules for at least the last 25 years.

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 2016-06-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Bank of American states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Bank of America employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at 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 2016-07-26 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear XXXX, From XXXX XXXX until XXXX XXXX of the present year, I was a victim of fraud ( almost the amount of {$1000.00} ) because someone duplicated my card. I have been in touch with Bank of America since XXXX XXXX, 2016. They made a mistake regarding the specific fraudulent transactions, and I had to fax them ( twice ) the corrected list after carefully reviewing and speaking with an account supervisor for almost three hours over the phone. As of today, I have spoken with numerous agents of Bank of America, including XXXX account supervisors and an account manager. The bank refuses to reimburse me the stolen funds on the basis that " it does not look like fraud. '' They said over the phone that they denied my claim because ( 1 ) the transactions happened where I live ; ( 2 ) I said I had the card with me at all times, ( 3 ) I said my boyfriend used my card in the past ; ( 4 ) the transactions happened in a period of one week ; ( 5 ) the criminal stopped using the duplicated card when it was restricted ; ( 6 ) I checked my online banking while this was happening. Regardless of the excuses the bank has used to deny my claim, I contend that I did not perform those transactions, neither anyone I know. I was a victim of fraud, and the Bank does not want to take responsibility and give me the stolen money from my debit card/checking account. I am a full time worker, and a part-time student. I struggle to pay for college and living expenses. The monies stolen from me through bank of America have caused me additional financial loss as I have had to pay for overdraft fees and the like as they left me with {$14.00}. The last thing that Bank of America told me, and that was last week, was that they denied my claim because I did not include evidence of who the criminal was along with the fax I sent them with the corrected list of fraudulent activities. I am attaching the following : - Call log to BOA from XXXX to XXXX - Employment verification letter and emails confirming exact hours of employment showing that I was in fact working when many transactions were occurring. 
- Last fax sent to BOA, which includes the confirmation of a fax previously sent to them ( which they said was never received ), a police incident report, the list of transactions with dates and times as provided by BOA Account Supervisor, and the bank statement with the transactions highlighted. 
- Mail received from BOA. 


Thank you for your attention. 

XXXX XXXX. 
XXXX XXXX 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 monetary relief
Consumer complaint received 2017-01-26 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: IL

Complaint narrative:
My student loans, serviced by Navient have become unmanageable due to circumstances out of my control and now they are impacting my quality of life and causing XXXX. To be able to graduate from the University XXXX in XXXX meant that student loans were going to be a part of my future. I had no idea that they would be this heavy a burden, or that they would grow so quickly with high interest rates. Navient 's total for my loans at this time is nearly {$32000.00}. 

Over the course of my loans since XXXX, I 've struggled to afford payments and several times have been forced into forbearance or into income-driven repayment plans even though I have worked jobs since being in college. Navient would n't allow me to stay in my income-driven repayment plan. They said the reason was changing policies that were out of my control. These new payment amounts are far beyond my means, even though I do have a job. The deadlines for certain forms had passed before I even knew they existed. 

I 've done my best in keeping these loans in good order and paying them off to the best of my ability. Navient has not helped in this and at times has made it harder to understand my options or answer my questions. Unresponsive when I contact them, however Navient sometimes contacts me several times per hour 24/7. I 've asked them to limit the calls which they do not. These calls can come from all across the states. 

Further, I 've done some research online which uncovers thousands of similar complaints and other shady activity that could have impacted me over the course of my loans so far. The kind of predatory lending techniques used on me and other students is appalling. 

My loans are now bigger than they have ever been and I 'm even more worried by the fact that As Education Secretary, XXXX XXXX would n't give a XXXX about protecting my rights as a borrower and holder of student loans. 

I 'm seeking relief in the form of compensation for any fraudulent or unnecessarily aggressive lending tactics practiced by Navient. I 'm seeking relief in the form of aid and affordable options for handling my loans in the future. I 'm seeking relief in the form of an explanation as to why I have been targeted by Navient, being that student loan borrowers are some of the most vulnerable individuals with the most potential to be wasted. I 'm seeking to unite with others who have been wrongfully treated in order to find assistance and a voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
This is what the bank is doing to me:XXXX dollar lawsuit. The suit was filed in U.S. federal court in XXXX, Texas a small community just XXXX miles north of the XXXX XXXX XXXX, about a XXXX XXXX XXXX XXXX XXXX XXXX.The lawsuit alleges that BofA mortgage holders have suffered hoursof telephone run around, misleading and inconsistent information, lost correspondence, verbal abuse, and extensive delays in efforts to get home mortgages modified. " The facts in this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the This is exactly what the Bank is doing to me in this case : The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas Debt Collection Act. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank, of BofA employees handling their mortgages. Only XXXX of the homeowners have been foreclosed as a result of problems. 
Mortgage holders have suffered hours of telephone run around, misleadingand inconsistent information, lost correspondence, verbal abuse, andextensive delays in efforts to get home mortgages modified. " The factsin this case reveal the harsh reality that underlies the loan servicer 's press statements about loan modifications and forbearance agreements following the collapse of the U.S. housing market, '' the suit states. " This is not an isolated case, '' said Attorney XXXX XXXX XXXX, who represents the plaintiffs in the lawsuit. " It is the normal way the bank handles business. " The plaintiffs ' attorneys say Bank of America breached mortgage contracts, were negligent in representations made to borrowers and in violation of the Texas XXXX XXXX XXXX. Many of the plaintiffs were told they were eligible for loan modifications or other work out assistance by the bank. 
This is far from the truth, the bank is doing exactly to me of what occurred in the above case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 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: GA

Complaint narrative:
My reduced rate plan with Navient is far beyond my ability to pay. Since I have a cosigner ( parent ), his income is part of their calculation as well. My parent is currently unemployed. I am current on my loan payments as of this date, but ca n't remain current for much longer. Loan type : Smart Option Student Loans, XXXX of them totaling over $ XXXX. 

They 've calculated that I 'm able to pay $ XXXX/mo, when my budget does not reflect that. Neither does my parent 's budget. I either need to find a way to change lenders, or get a much lower monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 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: TX

Complaint narrative:
The year of XXXX I thought I could go back to school and maybe get a XXXX degree ... ah no that did n't work because I have been out of school way to long. Within the 2 months I received a Federal Loan. I was ecstatic I was going to buy or upgrade my computer and get better XXXX service. But after all said and done I did not make it and stop trying. I do n't recall how much money at the time I received but the time months went and years I owed more money than I have received. The loan went to XXXX XXXX then to XXXX and then Navient. I tried to pay them In XXXX by letting them take money out of my check direct deposit. I lost my job XXXX XXXX and it stopped. Have n't been able to pay them after that because I had to go on XXXX.

Company response to consumer: Closed with explanation