vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-24 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: PA

Complaint narrative:
Navient can be summed up in a few words. Greedy and unhelpful. I currently make a majority of my payments and Navient has terrible customer service. For someone who is in sales, this is not how you treat customers. 

1. Constant calls to me and my co-singer ( Mother/Father ) for no reason and you do n't leave a message. Not to mention you come up blocked. 
2. Every time there is an issue you could call someone and then call back and get a completely different answer. No communication, I have had more frustrating calls then satisfied calls. 
3. Income-Based Repayment plan is absurd. You only take my salary into account, not any other debt ( living/bills/car payment/federal loans. That takes up more than XXXX my paycheck. Living expenses like eating and gym memebership. Gas and commute money ... All factor into my income. 
4. This is the most sensitive one. My parents are on the verge of retiring and are co-signers on my loans. I was told by multiple Navient employees that if I made " Two full years of payments '' my parents could be requested to come off the loan. I came thru on my part making 24 months of payments ( around {$850.00} ) a month. I was excited so I told my parents and they were ecstatic because they want to refinance and sell their house. But nope this company denies my request after I clearly met all the requirements. Because I owe them too much ... Mind you I just got a 25 % pay increase last year. They are impossible to work with. 
5. They never ever contact me to tell me I must submit a new XXXX tax form to see how much I made, putting my loans into late payment and causing interest to build. 
6. Some of my interest rates are 10 %, 11 %, and 12 %. How am I supposed to pay them back quickly with that rate? 

In conclusion I am just done with this company and am looking to refinance my loans with a private bank. I do n't mind paying for my debt knowing I got a great education. Why am I being punished or bettering myself with higher education? America needs a wake up call. Imagine if all of my fellow slaves to Navient could contribute the {$1000.00} a month we pay in Student Loans, imagine the boom in our economy. I would like to file a lawsuit against this company for negligence. They have failed to help me get a handle on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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:
Ever since Navient took over my loan and the Obama administration offered new loan repayment options, I have been to trying to qualify for the various early loan repayment programs. Navient consistently gave me numbers and amounts that far exceeded what I could pay in relationship to my take-home pay. So I continued to pay the 30-year repayment terms. I am a teacher and tried to qualify for the public servant repayment option, but the numbers just never worked out when I contacted Navient. With all the recent news about Navient possibly mishandling borrower 's accounts, I am now wondering if I ever got a proper repayment quote.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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: VA

Complaint narrative:
I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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: CL Holdings LLC
State: CA

Complaint narrative:
Negative inquiry was added to my credit report by a debt collection company for a debt older 4 years in California. Did not receive notice from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 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: OH

Complaint narrative:
Naviet has on multiple occasions put checks and charges through my debit cards even when I have called to inform them that the funds were not there or need to postpone a payment. Even when I paid it they did not cancelled the payment and sent payment through anyway even after saying that they would. I am being harressed and my co borrow also they call 10 times a day each and everyday. This company XXXX XXXX aka Naviet are loan sharks and a predator lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
went to XXXX in XXXX was pushed into loans wich i thought were loans i didnt have to pay back i attended for a couple months with substitute teachers not real ones wich i was paying for never graduated from dropped the the program now years later im in default because they took the money from theses loans when i never attened clsses for because i dropped out. so i owe them tons of money for a education i never got

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to bank of america atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: IL

Complaint narrative:
When I became unemployed in late 2012, Navient first offered me forbearance and then later enrolled me in an interest-only plan. They led me to believe that my monthly payments would cover the amount of interest I was accruing and that my loans would essentially remain unchanged during this time. But I later found out that they were charging me more interest than what I was paying, so my loans continued to grow incrementally over time. I wanted to change plans, but they made it very difficult. I had to call them and provide a detailed financial picture of my household including how much I spent on food, electric, gas, etc ... per month. I ultimately decided it would be easier to refinance/consolidate the loans with another company, so I began working on that instead. In this time, Navient never offered me income-based repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been in foreclosure since 2008 on my home mortgage ... The mortgage holder is Bank of America , National Association, and the mortgage servicers XXXX ... I fell behind due to financial hardships, the economy and personal hardships ... I was put in active foreclosure and worked diligently to get a loan modification ... I was given a forbearance agreement and lived to the terms/conditions of the agreement by making XXXX consecutive payments on time ... I was not given a loan modification as I was told I would have to pay the full amount due in arrears which I could not do at the time ... I continued to try and work on a loan modification and continued to pay the monthly payments on time -- -some were cashed, some returned ... I finally had to put myself into Chapter XXXX bankruptcy to stop the sale of my house ... while in bankruptcy the mortgage holder sent to the courts a note completely different from the note they produced in my foreclosure case -- XXXX separate and disctinct notes with different signatures ... I discharged myself from bankruptcy and continued to pay my mortgage on time and have for the past three years ... I am afraid the mortgage company will start the sale process again as I have continued to send them information they request ( as I have at least ten additional times in the past ) and I do not foresee them granting a loan modification ... XXXX XXXX claims I do not fit into their mold for a loan modification ... XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
I have a student loan originally from XXXX, whom was replaced with Navient. I have tried repeatedly to get my loan payments lowered due to the change in my financial situation. Naviet refused to lower my payments. Instead, I was told the only thing they were able to do was give me a XXXX month extension, and delay my payments, which made no sense to me. 

My income had decreased drastically, and my husband had also taken sick leave from work. I was constantly told delayed payments were my only option. 
I was devastated. 
I feel that I was never given an fair chance to repay my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was approved for a loan modification and was given a lower payment to pay for 3 months before the start of the modification period. The bank reported it as late payments for 90 days when they told me it should say paid a lesser agreed amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: PR

Complaint narrative:
This new submission is about the complaint XXXX made in 2014 against Sallie Mae, notifying that I want to be part to the suing made to this institution, who gave me the only solution of a forbearance of {$100.00} for one month when I 'm unemployed. Right now, I 'm unemployed again and with medical expenses, which I wo n't be able to continue paying through their collection agency, XXXX XXXX. A letter was sent yesterday. 

I also want to notify that I have called few times to be signed off of a loan I co-signed. They said I was able to be out of it after a year of a full payment by the borrower. It 's been two years, and I was told, that wo n't be happening. Attached the loan I co-signed. 

I also remember, not giving any other option when I stated I was going back to university.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Subject : I used Bank of America Debit Card to purchase some items from XXXX. I returned the items due to unsatisfied quality to XXXX. XXXX returned my money to my debit card but Bank of America is not returning my money to bank account. 
Bank of America Claim ID : XXXX Sir/Madam, I had purchased a tread mill and an equipment mat from XXXX on XXXX XXXX XXXX ( Order # XXXX ). But I was not satisfied with the items, so returned the items to XXXX. XXXX received the returned items on XXXX XXXX, XXXX and XXXX XXXX, XXXX. But I did n't get that money back till now. 
At the time of purchasing the items I used my old debit card ( Ending in XXXX ) but after some days Bank of America closed that debit card and issued a new card ( Ending in XXXX ). 
I called XXXX customer care several times that I did n't get my money back. They responded that, XXXX already returned the amount ( {$500.00} ) on my old debit card ( Ending in XXXX ). But I did n't see that returned money in my bank account. 
So I called Bank of America Claim services to create a dispute claim regarding this transaction. They created a dispute claim ( Claim ID : XXXX ). On that time ( XXXX/XXXX/XXXX ) Bank of America credited the transaction amount ( {$500.00} ) in my account on temporary basis. But on XXXX/XXXX/XXXX Bank of America debited the Transaction amount from my bank account and change the claim status as resolved, though I have provided all the proofs regarding the return. 
So Sir/Madam, I am getting harassment from Bank of America by delaying the process and taking time to return my money back. I hope you understand my situation and please return the money back. 
Note : I am attaching the bellow documents again. 
1. XXXX screen shot with return items and return dates. 
2. Freight receipt of XXXX for returning equipment mat. 
3. Freight receipt of XXXX for returning tread mill. 


Regards 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 2016-07-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I made an online payment of {$1900.00} to pay my Fidelity XXXX XXXX monthly payment in full, due XXXX XXXX, 2016. The payment posted to my account on XXXX, 2016. On XXXX XXXX, 2016, FIA Card Services withdrew a second monthly payment of {$1900.00} from my checking account for the monthly payment. Of course, this caused my checking account to be overdrawn and incurring a {$35.00} overdraft fee on my account. The erroneous XXXX payment of my monthly balance posted on XXXX, 2016. They now tell me it will be 7 to 10 business days before they can replace the XXXX payment back into my checking account, which may make me unable to pay some monthly payments while they are " researching '' the problem

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 2015-09-06 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: GA

Complaint narrative:
I have called numerous times trying to work something out with them. They lied and told me that they would defer a payment or put a payment in forebearence if I caught it up to date. I did and then they refused to do it. They called me, I thought it had been deferred they informed me that whom ever I spoke with did NOT in-fact defer my payments. I skipped that month thinking it was taken care of. I had been in an automobile accident and needed a month, which I was told I had at that time. I was informed that now I have to pay that money again only to catch it up again with the money I do not have. I told them I would pay something by the end of the month and they continue to call me from private numbers which have no way of contacting them back. They also call me up until XXXX at night sometimes XXXX. also on Sunday 's. They have been told not to contact me at those times. I explained to them I am in the same business and know the ropes. They call XXXX times a day even after I have promised to pay on the account. They reply with " I can call you anytime I would like. '' I have tried numerous times to work out something with them. They are beyond rude and although I told them to contact my attorney they refuse to do that. I have an attorney on retainer but do not want to use that option. The company is Navient/ XXXX . I went to school at XXXX XXXX XXXX University. I did not get to finish my degree due to lack of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
Had 4 phone calls in one day to my cell phone about debt collecting. 
They are asking to talk to a XXXX XXXX ... ... Not me ... .Never heard of him. They got the wrong number! I keep explaining to them you got the wrong number and they get very rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I settled XXXX accounts with the Central Finl Control in XXXX, I was told that the accounts would be removed from my credit report by XXXX different people. Not only did they not credit XXXX of my accounts they are now stating they will not remove from my credit report. In the mean time they have again reported to the credit bureaus and my credit score dropped because they are stated the accounts were not paid when they were paid. They also state if I have an issue I have to fax it in writing to just a phone number no name or anything. They would not let me speak to anyone other than a floor supervisor. You should be able to speak with someone in the dispute department to make sure you know where your information is going. When I told them I was going to file a complaint she said " you do what you have to do ''. This is a poor way to run a business, they took my money and did not follow through on what they were suppose to do. They falsely reported back to the Experian that there was a balance when it had already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.

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 non-monetary relief
Consumer complaint received 2016-12-08 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: NM

Complaint narrative:
Navient provides inconsistent, and incorrect information associated with the income based repayment plan ( IBR ), refuses to accept documentation for the annual renewal of the IBR plan, and withholds correspondence in regards to IBR plan until after deadlines have passed. This is the second year in a row that annual renewal of my IBR plan for loans serviced by Navient would have ended due to these issues. It required contacting and requesting processing of IBR documents several times, along with Navient demanding multiple re-submission of IBR renewal request and documentation, and the request was not accepted or processed until after the submission deadline had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
According to the Credit Card Agreement governing our account, " An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as " ANNUAL FEE. " I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed " each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account

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