vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have submitted multiple times that Navient ( XXXX ) has committed fraud against me. My allegations are continuously denied by the organization. Yet I now see that your organization is directly suing Navient for fraud, for some of the EXACT SAME ISSUES I 've experienced. Since graduating from XXXX in XX/XX/XXXX, I 've experienced so many issues with Navient, that I actually wrote a letter to the head of the organization in XX/XX/XXXX. I included XXXX example communications to Navient / XXXX from XX/XX/XXXX and XX/XX/XXXX. I have experienced : - Payments not being allocated correctly to the proper accounts, causing my account to go delinquent be charged extra fees - even though I paid the correct total. 
- Navient auto-deducting money prior to the auto-deduction date, causing back-end banking issues on my side - Navient auto-deducting money after auto-deduction was turned off. 
- Navient charging me the wrong amount for student loans after new loan terms were agreed upon in writing. 
- Navient not releasing my co-signer, even after I made multiple on-time payments in a row. They never even let me know this was an option. 
- Navient not providing me with the proper resources to lower my student loan payments. I have been asking for over a month now for help because I was laid off my job in XX/XX/XXXX and have received zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My 2014 XXXX that was issued by Bank of America indicated {$6200.00} collected as mortgage interest over a 6 month period as the property was sold in XXXX of 2014. This seems to be accurate and is the average that was collected over the last 3 years. However ; Bank of America also indicated {$19000.00} as a refund of overpaid interest which was not refunded to me as the borrower. I was originally told by a Bank of America representative that I would receive a check in that amount. After several months and repeated phone calls, I was told that I would not be refunded this amount since I requested and was approved for a loan modification. Also, that this is a normal practice and that Bank of America always applied overages as refunds, but does not issue these funds to the borrower. My loan modification lasted almost 3 years and I always paid as agreed on the first of the month, while they continued to mail foreclosure letters and constantly called threatening foreclosure. I was also told that I would need to pay taxes on the {$19000.00}. Is it legal for a mortgage company to collect {$26000.00} in interest over a 6 month period? I have tried to resolve the issue directly and requested the refund, but with no resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: CA

Complaint narrative:
Navient will not remove my cosigner despite paying the loan on time for four years, making $ XXXX/salary, having a good credit rating, providing my XXXX diploma as all required through their website. I have already paid {$80000.00} in interest. On top of this my interest rates are higher than my credit cards and they will not lower them. Some are at 10 % on loan amounts {$28000.00}. They wo n't consolidate, lower interest rates or provide any other sufficient ways to repay this loan without accumulating massive amounts of compound interest. The school I graduated from is not XXXX and has closed XXXX campuses XXXX XXXX XXXX XXXX XXXX. This is fraud/swindle and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 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: IN

Complaint narrative:
As a struggling single parent with student loans from Navient/ XXXX XXXX XXXX XXXX contacted the the loan agency to find out how I could repay the loans. They guided me to to get a forbearance on my loans. So I went with their advice and years later my small loan is now almost XXXX. I have been receiving calls after calls for payment, and a few months back I tried to set up an arrangement and it was going to be 30 a month and the balance when paid in full would be XXXX this is absurd. I like so many have good intentions to pay but this is outrageous.

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

Complaint narrative:
IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to.

Company public response: Company 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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Provided with misleading and mixed information on the rate reduction program and my eligibility. When trying to reapply I 'm told I 'm just not eligible without reasoning provided. I was repeatedly transferred between different customer service agents who could n't answer my questions so they would transfer me to another representative on the same level. I was then told by a supervisor that I have to become delinquent on my account and accrue late fees and interest before I would become eligible again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted this agency time and time again for the past 18 months. I agm a nurse and I work as a nurse in the emergency room and spend 12 hours of my day doing so. I spend another 2 hours driving back and forth to work. I have over XXXX inquiries on my report that are not mine and they refuse to do anything about it. I always get the generic letter that simply says the inquiries are of factual record and they are not. They were fraudulenty done by my husbands ex wife in an attempt to ruin our financial livelihood. My husband is a former service member and police officer and I have been a nurse for almost 10 years. We dedicate our life to public service and it is disheartening when you ca n't get a company to help stop fraud on your report. The following is a list of inquiries and I will delete the ones that I did make so that only the ones I did not make remain XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX : XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX : :XXXX Show Details XXXX/XXXX/XXXX XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, Anything that is listed here is fraudulent and needs to be removed. I work to hard to be a victim and get no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 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 is guilty of conducting XXXX without the authority to do so. In this instance, Bank of America has failed to properly execute and record any mortgage related document by associating the document with my private property and home. Specifically, only XXXX properly executed and recorded document has been associated with the assigned assessors ' property number ( APN ) of the subject property. Therefore, no default can be had or may be claimed on the recorded XX/XX/XXXX Deed of Trust. 

Just to be clear, neither Bank of America or XXXX ( XXXX ) hold the power of sale under the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) and the XX/XX/XXXX Notice of Trustee Sale ( XXXX ) has been associated with and recorded as the XXXX is incorrect as it appears on these and other documents recorded since XX/XX/XXXX by Bank of America and their representatives, including the currently named trustee, XXXX. From this date forward, Bank of America and XXXX can no longer claim ignorance as to this fact. Any action from this point forward is fraudulent in nature and scope as well as evidence of a XXXX ( XXXX ) banking, mortgage, and real estate enterprising scheme intended to defraud honest, law abiding, and unsuspecting good folk of their homes. 

Since beginning the loss mitigation process with my request for mortgage assistance ( RMA ) in XX/XX/XXXX, Bank of America has done everything to separate me from my home.rather than actually offer mortgage assistance as required and in accordance with the agreed upon court ordered terms of the National Mortgage Settlement ( XXXX XXXX. Bank of America continues to refuse to make the requested corrections of the errors made knoen to them during the loss mitigation process. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory. 

I did not default on Bank of America XXXX Bank of America defaulted on me!

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 2015-04-17 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: WA

Complaint narrative:
I was working in a temporary job and did n't have the funds to pay my student loans. So I ended up defaulting. Almost 3 years ago My XXXX XXXX private students were submitted to XXXX XXXX . I entered into a payment plan with them including paying an upfront fee of {$1000.00} to enter a reduced interest program. I was allowed to pay approx {$180.00} a month and was told after 3 months I would be reduced down to a .01 % interest rate. As I was noticing this never got fixed I began to ask questions. I finally got them to agree that it had been fixed with this month ( XXXX ) my payment was not removed and I received a default notice from Navient. They stated they did not like the terms of my agreement and the removed it from their hands and revoked my payment plan. Now they are demanding money down to start me on a new plan and tell me that I will have to pay more than the amount originally paying. I can not imagine that this is a legal move on their part. I had agreements and paid continuously and on time for 2.5 years. They are once again trying to XXXX those working to try and pay off their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I recently had a check I sent to my long distance company stolen along with other check sent to that company according to a company spokesman I talked to.The check was then rewritten and cashed for {$2400.00}. The person used a fake name, no identification nor account number was on the cashed check. No stamping was on the check from a bank. I reported this to Bank of America on XXXX XXXX, 2015 and was told the matter should be resolved in 2 weeks. I started calling XXXX XXXX, and was told a analyst would respond within 24 hours.I still have not been contacted by the bank. In the meantime BoA is bombarding me with returned check fees. Again I was told the analyst would call me and take care of it. It is now 22 days since reporting this theft and still no phone call, e-mail or mail response from BoA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Between my XXXX phones they call XXXX times per day. Starting the day after payment is due until I pay. This has gone on for several years even when I was in XXXX for the military I was harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
My loan is in default and has been referred to the guarantor. I contacted the guarantor and was told to contact Navient. Navient allowed me to make a payment. I was then instructed to setup auto payments in order to allow Navient to " begin '' working with me. The payment posted to the account after three business days. I called back to setup the online payment and I was told that there was nothing they could do until the account was under so many days past due. So, I was given incorrect instructions from the beginning and led to believe that my account would be brought into a status so that I could get on income based payments. I have a few options left that are not palatable, but I am tired of working and doing what I am told to do and then being told that it is not enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Back in 2011 I have received an offer for modification from bank of america. After numerous conversations Bank of America representative advised me to stop making payments in order to qualify for modification, and I was told that in case of modification being approved the lates would be removed from my credit report. However it has been 4 years since my approved modification and bank of america has not removed the lates from my report which they forced me to have in first place. Now I ca n't even refinance or sell my house due to their negligence and ignorance to my numerous requests. I hope this complaint will bring justice and have bank of america comply and remove lates reported erroneously in first place

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 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: PA

Complaint narrative:
My payment was approximately XXXX days past due. Navient called me XXXX times on XXXX/XXXX/15 and another XXXX times on XXXX/XXXX/15, starting at XXXX XXXX. The collectors were rude and sarcastic, and I requested no further calls, but they kept calling. I also promised to pay in the next few days, and they still kept calling.

Company response to consumer: Closed with non-monetary relief
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: VA

Complaint narrative:
I am a Veteran and I was on a steady payment plan before Navient took over my loan. I paid faithfully every month and when they took over they stopped the payment plan I paying and started calling harassing me about paying excessive amounts when I was paying based on my income. I have put in for a hardship with them and they denied me once again still demanding a high monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I 've been a member of the Merrill Lynch Wealth Management Group since XX/XX/XXXX. Recently, I transferred to the Merrill Edge Adivisory Group located in XXXX, Arizona. As result of this transfer, they ca n't locate the beneficiary paperwork on my IRA and nor my Statement on my Trust Account for XXXX XXXX. I spoke to the XXXX XXXX Financial Advisory Team on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX to receive this information. They said ca n't retrieve this information.

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 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Central Financial Control has reported and continues to report information to the Credit agencies that they know is inaccurate and false information. I have contact them several times in writing as well as numerous phone call over the past year. I have sent then CERTIFIED MAILINGS with copies of the CANCELLED check as PAYMENT IN FULL as well as bank copies of the processed check as payment. ( Please see attached uploaded documents ) There are RUINING MY CREDIT RATING!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I do not have a Student loan, Navient has been calling me daily about payment of a loan using my name and phone number. I have not had any student loans in 30 years. I have spoken to them directly multiple times to attempt to clear this up, but they continue to call me daily. when I block their number they change it to continue the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern, I would like to initiate a claim against Bank of America Home Loans XXXX contact XXXX XXXX XXXX XXXX XXXX XXXX Manager ) for the following reason : - I refinanced a mortgage loan with Bank of America Home Loans XXXX 
- As requested several times, Bank of America Home Loans failed to effectively work with the title company and I didnt receive the XXXX until it was presented to me by the Tittle Officer at closing. 
- I will submit proof to this agency supporting my claim. 
- ( I have saved ALL emails / communications with Bank of America Home Loans, should these be required as part of your investigation ). 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 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: OH

Complaint narrative:
i was told my only option was to go into forbearance from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: TX

Complaint narrative:
Attended a school named XXXX XXXX. The school took a loan from Navient. I left XXXX after attending a few months. The school closed and became XXXX College. XXXX College closed and became XXXX College. However, it 's impossible to locate the transcripts from XXXX because it closed. It 's impossible to show proof that I attended that school. Thus, proving that the school is a scam school, which works with companies like Navient in order for both Navient and the school to take away money from the student. In other words, the school disappears, but Navient still demands payments. Money that they should n't have taken from a scam school, but still took. Navient now expects me to pay {$21000.00} for only attending a few months. Money that I should n't pay because it was all a scam. This money should be paid by the scam school.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 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: NY

Complaint narrative:
I have been paying this loan for XXXX years and my overall balance has not gone down. They are not willing to work with me to help me make my payments lower. All they could do was offer me a temp 3 % interest rate and randomly I was taken out of the program. I was n't even told. Now my payments went from {$550.00} per month to {$800.00} per month. I ca n't afford it and I am going to have to file bankruptcy.

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

Complaint narrative:
Navient egregiously over charges on interest rates, particularly for institutions that are overseas. They are also confusing and misleading with information.

Company response to consumer: Closed with explanation