vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-17 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: PA

Complaint narrative:
Previously submitted a claim XXXX, but it was closed by cfpb without my knowledge or acceptance of the response from Navient. 

On XXXX XXXX, Navient contacted me XXXX times, due to payment was due on Student Loan. On the evening of the XXXX, finally got a call from a live person and was able to discuss the loan. I asked a question about getting a quarterly statement of some type of statement from Navient, for which I had received nothing from anyone until it was time to pay back the loan and my son was not enrolled in school any more. If I had received something, I would have been able to make a decision to start paying down the $ XXXX loan, which has now has almost XXXX. I was told by the representative that I should have called them as I know I had an obligation. My question to you is, does n't the financial institution have an obligation to send me a statement, quarterly, semi annually, or something. In the pdf response to be initial claim, the document tells me that I should have received annual statements, which I did not ever receive. And, from Navient representative she confirmed that between XX/XX/XXXX and XX/XX/XXXX, there was no correspondence. 
On XXXX XXXX, I requested a paper Pay-Off letter from Navient and have never received anything from them.

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: TN

Complaint narrative:
I previously got a loan with XXXX XXXX who was switched yo Navient. My loans have increased tremendously and I can not afford to repay. I do not have an option to decrease my monthly payments. This is not what I signed for

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 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: FL

Complaint narrative:
I 've spoken to numerous representatives, supervisors and managers. All with inconsistent statements regarding my account. Some say I 'm current others say I 'm not. I 'd graduated in 2010 with a XXXX and after my deferment period, I 've commenced making payments via a payment plan. I was told that my payments will cover all loans owed. 

Recently I 've been unemployed ; however, I was able to maintain my payments. Within one ( 1 ) month, I 've spoken to several representatives and a manager with inconsistent statements. They all claim loan number XXXX ( XXXX ) is late but can not tell me exactly when I was late so I can perform research and compare my bank statements for accuracy. This loan has been reported to my credit bureau as late ; however, several representatives reviewed my account and stated that my payments were not applied correctly or misallocated causing a " late '' status on XXXX XXXX/Navient 's computer systems and derogatory information reported on my credit reports. 
The representatives offered forbearances which will generate additional interest. This is without merit due to my loans being paid on time. I 've previously disputed the " late '' accuracy multiple times through representatives, managers and Navient 's Office of Student Advocate with no avail, no ownership nor follow-up. 
I 've been unemployed for at least four ( 4 ) months and during my job search within the banking industry, my credit score will make the difference of obtaining a position. I 'm more than qualified for the positions I 've applied to ; therefore, I have no choice but to assume my credit score due to the inaccurate reporting by your company for loan # XXXX is the deciding factor. 

In addition, a representative recently deceived me into believing I was enrolled in a new payment plan when in reality I was set up to pay {$1200.00} a month automatically debited from my bank account, which is out of my payment capabilities. I 'm frustrated and exhausted with this lengthy and time-consuming struggle with your company to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
The account at XXXX XXXX XXXX in XXXX Texas is paid in full and I have the cancelled check. The collection agency still reports the original amount due even after I disputed with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
A company calling themselves Pioneer Credit calls me with a recorded message every day for weeks ( XXXX ) asking me to call them back at XXXX regarding a debt. Since I do not owe anyone, I do not return the call. However, I would like them to discontinue calling 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 2016-11-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX, I took out a mortgage with XXXX. They advertised affordable low mortgage monthly payments. However, the monthly payments were high and kept increasing every month to the point that I was not able to keep making payments on my mortgage. In XXXX, XXXX Bank XXXX started a foreclosure processed on my home. I did not know the involvement of XXXX of my loan until I received a summons and complaint. Then my loan was transferred to Bank of America who has denied several loan modification applications. It seems that Bank of America 's priority is to foreclosed on homes and not try to mitigate their delincuent loans.

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 2016-12-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I made a {$210.00} dollar payment to my credit card in XXXX BOA didnt include as a Payment and I was charged a 30 day late ( no notification ). I was n't notified, nor was there any indication that my payment did n't go through. I am also signed up for paperless billing ( have been since it 's been available ). Since that did n't go through, my past due wasnt applied and now they have dinged me for a XXXX 30 day late. The only way I have found out was with a call. When I tried to resolve the issue Customer Support was extremely rude and wouldnt let me speak with a manager since " he wont tell you any different, he told me to tell you that ''. He said the call was recorded so if you listen to it you can hear how horrible they were. The managers name, who would n't speak to me is XXXX XXXX. I work for a mortgage company and have for the past 10 years, the way they handled this is more than unfair and I am seeking out an attorney just for the simple fact that they should be allowed to treat people like this. They have already been charged with unfair billing practices before.

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 2016-10-11 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: NH

Complaint narrative:
I had a repayment plan setup with Navient. I was told that in the event I did n't have money in my account for a scheduled payment I would need to call no later than XXXX one business day before the withdrawal. I called before XXXX the day prior to withdrawl, spoke with someone who shifted my payment date later in the month. CONFIRMED that this was shifted. I received confirmation numbers for the new dates. Navient debited my account anyway on the XXXX putting me negative and triggering overdraft fees. When I called to have this fixed on the XXXX of XXXX I was told that no one knew anything and an investigation had to be performed that no refund was possible until after the investigation and that I would hear back soon. I did n't hear back. I called back on the XXXX of XXXX and was disconnected 3 times trying to get information about my complaint. Eventually I was able to speak to someone who had some magical ability previously absent from other representatives to look at my account. He was able to determine what actually happened was that the " request '' I had called about on the XXXX was n't able to be processed, despite me having confirmation from the rep on the XXXX and confirmation numbers. No one knows anything. I should have been promptly refunded on the XXXX when I called and instead representatives from Navient chose to lie to try and avoid the reality of their actions. 

Navient withdrew money from my account without authorization. This has caused me extreme hardship as I am not able to buy groceries to feed my family. What they did was blatantly illegal and they do everything in their power to make it all but impossible to force them to correct their errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a student loan consolidation in progress with XXXX. In the meantime General Revenue Corporation who handled my XXXX loan for XXXX, has begun to contact friends and family other than the XXXX references i put on the loan when i borrowed it, and they also call me several times a day. When the carrier adds this loan to my consolidation, it will close out, and I still have XXXX months to do so. I have informed both GRC and XXXX of this. XXXX is not giving me trouble. GRC is. I do not know how they are getting contact information for my friends and family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have attempted to get a statement of services from this company for over a year. I have called twice and requested one. I attempted to contact the hospital where service was rendered, but they keep directing me to this collection agency. 
I am disputing that the debt is mine in whole. I have not received any information ( in writing ) despite my attempts. I also would like to confirm the date of service and the total amount of my insurance coverage ( if applicable ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have a Bank of America Visa Credit Card. Bank of America has charged me a {$25.00} returned payment fee in error. The statement balance on XX/XX/2016 was {$160.00} ( see attachment # 1 ). For many years I have had the full balance automatically deducted from my XXXX checking account by Bank of America. On XX/XX/2016 Bank of America billed my XXXX account and XXXX transferred the payment to Bank of America ( see attachment # 2 ). It is the policy of Bank of America to transfer the amount due on the day after the statement due date, they tell me. According to Bank of America 's representatives by phone, they then billed my XXXX bank account again for {$160.00} on XX/XX/XXXX? XXXX correctly realised this was a duplicate billing and refused the request for electronic payment. This is obvious from the credit card account statement for the period ending XX/XX/XXXX ( see # 3 ). There were no additional purchases totalling {$160.00}. There was only one payment to Bank of America in the amount of {$160.00} by electronic transfer from XXXX. After the transfer the balance due was {$0.00} plus the " returned check fee '' of {$25.00} because XXXX refused to pay the erroneous double billing. Bank of America does not permit on line communication about my credit card. I spoke with two Bank of America representatives and both refused to correct the error. They kept saying my check bounced. I have not paid a credit card bill by check in more than 10 years. I wrote to the two addresses provided by Bank of America to resolve credit card problems ( see # 4 and # 5 ). Today I received their response by mail ( # 6 ). They still insist I must pay a returned payment fee even though the problem is that they billed twice in error. Of course, I no longer permit Bank of America to bill my checking account automatically since they can not be trusted to do this correctly. As I told Bank of America, this is an excellent money making gambit to help their bottom line. You bill customers in error twice what is owed and then charge them a fee for only paying the correct amount due even though you credit back the erroneous amount billed. This is fraud.

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 2016-09-22 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: NY

Complaint narrative:
I have been unable to find work and suffered a XXXX two years ago and was diagnosed with XXXX. Since that time I have seen by loan amount sky rocket. I applied for income driven repayment but the amount is practically XX/XX/XXXX of my Social Security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I finalized a loan modification to a 40 yr fixed rate loan with boa on XX/XX/XXXX.I began this process XX/XX/XXXX. I recvd my first signed modification on XX/XX/XXXX XX/XX/XXXX I discovered via a severley impacted credit score that the final mod was " never filed '' and no attempt to contact me.from the start of XX/XX/XXXX i have never missed or had a late payment. boa has consistently misapplied my payments. my statements do not reflect the payment specified in the final mod. boa randomly applies all payment to interest with no pricipal application. I called the customer service and XXXX informed me that i have a payment specified in the first modification that boa stated was never filed and did not exist. therefore at this time boa has XXXX final modifications coexisting .each and everytime i contact boa i am given a new contact person to date i have had XXXX.the latest one is XXXX you will research this and call me " next week ''. the last statement i recvd for XX/XX/XXXX states i owe XXXX under projected interest and regular monthly payment. my modification payment is XXXX according to the last account transaction history sent to me my XX/XX/XXXX and XX/XX/XXXX payments were all applied to interest.again as reported to cfbp and copy sent to me boa states " our records indicate that your loan is current '' .this loan has always be current with all payments recvd before the due date since the trail period beginning XX/XX/XXXX.also when i recvd from XXXX the response to cfpb and a copy of my modification and statement transaction history. XXXX XXXX XXXX was kind enough to include a letter to another bank of america customer ( not me ) and this customer 's resolution specialist name is XXXX and her contact # XXXX ext XXXX ... so one can only image the amount of confident information sent by boa to the wrong people.

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 2016-11-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am trying to payoff my mortgage. I have always sent payment via ACH transfer. To payoff the loan I ca n't use ACH transfer. According to the bank the payoff can be a personal check which they will hold for 14 days before processing the payoff or I can wire the money which has fees involved. I think this is unfair give ACH has been an acceptable payment method for years. SECOND. I need a payoff letter which may take 2 weeks to receive. I asked for an electronic method of transmittal and was told I could not get and email but i could pay {$30.00} for a fax. I think this is just abuse. They have made money at every step of the way and when it comes time to close the loan they make it difficult. FOR comparison, I just paid off my Auto loan with XXXX, I sent in the last payment and received the title within days. no payoff letter, no hassle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 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:
I was approved for the XXXX $ repayment based on income. Both my student loan companies are charging more interest than I believe should be charged. I am unemployed at this time. Navient is not looking to help and I had to go through the actually student financial government website to find the help that I need. Even with XXXX I had to do the same tjhing. I wish instead of putting people further behind when it comes to repayment they would help people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Our current loan adjusted up to 4 % XXXX XXXX, 2016, with our lender of XXXX years Bank of America. We are in good standing and have exceptional credit ratings. We contacted Bank of America to refinance our loan to a lower rate and locked in at 3.75 %. We were required to pay {$470.00} for the property appraisal up front, then were declined in part by their own flawed appraisal. XXXX is estimating a XXXX increase in value over the Bank of America appraisal of XXXX, that is still XXXX in equity using the Bank of America appraisal. One borrower did returned to XXXX XXXX and then XXXX program. The three years following college was out of the workforce caring for a parent. Work history prior to college was not utilized or credited. Our loan officer stated that since we were Bank of America customers this refinance could be fast tracked, which has not been the case. The difference in our XXXX loans is {$520.00} a month savings. 
Below is the text from the decline letter Please read finding from XXXX on your loan. 

48 hour cancellation notice XXXX, So we had to request an exception for XXXX re-entering the work force, XXXX just got back to us and they are not approving the exception DECLINE REASONS : 1 ) Value is not supported in appraisal report ; comps XXXX & XXXX do not appear to be suitable comps as they are townhouses ; not single level flats ; comp XXXX is from subject property and sold for significantly less than subject value with significant, unacceptable adjustments. Appraisal was elevated for additional review and supported the decision for a decline. 
2 ) Stability and probably of continued employment is not documented in the file. XXXX does understand that borrower was caring for a parent for three years, however, due to long gap and lack of previous employment history, unable to document stability and continuance of employment which is needed to qualify for mortgage. 
3 ) XXXX does recognize that borrowers have owned home for XXXX years with a savings of {$280.00} per month, OnUs refinance, however, there are no compelling compensating factors to offset the risk of the exception

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