vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. 
You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! 
I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! 
Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! 

This is a copy of my original letter!!!!!!!!!! 

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 
Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. 
Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 
If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. 
In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 
I hope we will be able to agree upon an acceptable repayment plan. 
Thank you for your cooperation. You may contact me at my available email or phone information. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I lost my job in XX/XX/XXXX so I 've been working as a Temp until the XXXX. I bank with Bank of America My loan # is XXXX. I really struggled with my mortgage payment. I first applied for modification in XXXX. Nothing happen. The temp service placed me in a job paying a little more I was able to catch up. So that job ended in XX/XX/XXXX. The next job paid a lot less so I struggled again. So in XXXX I applied again for Modification talk with rep went over paper work filled out package did n't hear anything called in XXXX had to reapply again same paperwork. So I called XXXX and did the same paperwork again. Now it 's theXXXX and I have n't receive paperwork to fill out. I 'm a 4 or 5 months behind on my payments. I did receive a coupon to pay XXXX for XXXX payment when I was paying XXXX I asked my self how do I pay more when I 'm trying to get it lowered. My name is XXXX like I stated I have a new job that 's paying me 3 dollars more an hour. Were I was only making XXXX an hour. I would like to save my home. I just stared my new job so I will get a full pay check but I had to not take taxes out in order to pay my mortgage payment which will be late because I ca n't pay until the XXXX when I get paid. I 'm so stressed not knowing if they are going to help or not. I had a modification that ended in XX/XX/XXXX. Question can you only have one Modification in a life time? Maybe I 'm missing something. Please help! Thanks

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 2017-01-20 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: CO

Complaint narrative:
I borrowed from XXXX/Naviant back in XX/XX/2011 and have since graduated. I am a XXXX with a XXXX and a husband who works part time so we can avoid paying child care. We live pay check to pay check and I have called Naviant who asks for XXXX $ so dollars from me each month to get an income based plan and have been told no. They put me in forbearance and have killed my credit. They have made me intimidated to call and make me feel like they could care less if I am struggling to pay. I do n't know what to do anymore and continue to go in forbearance because this is the solution they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
When I had my credit check and found out that this was on my credit and saw the amount and called seven ave to see what I owe and was told I still owe {$200.00} dollars and I said how 's that if I only bought XXXX cameras from you that cost {$99.00} each and I already paid a total of {$150.00} dollars XXXX payment given XXXX of {$50.00} and {$100.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
My income sensitive payments were stopped without warning. I did n't have a chance to contest this and had to pay several months of a much higher payment until I could finally get another income sensitive rate. I was also told I can not defer my payments even though I am unemployed. Communication from Navient is poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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:
I have XXXX private loans with Navient. They have continued to not work with me for years and at this point I can barely afford to pay for the interest. I have not even made a dent in the principle for years. They also put XXXX late payments on my credit report which was an accounting error on their end and I have been disputing it for a year now with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I got a divorce in XXXX, I was unable to afford my mortgage. I applied for a program called making homes affordable and was accepted. All documents needed where returned to Bank of America as requested multiple time before the deadline as requested. Multiple loan document packages where sent and returned as many as XXXX. I was told my ex-husband did not need to sign the documents as long as I sent a copy of the divorce and property settlement as well and the deed, all of this was sent to Bank of America, but the packages kept getting rejected because my ex-husband had not signed, so with great difficulty I got my ex-husband to sign the papers, but low and behold the documents were allowed to expire by Bank of America. I had to get him to sign the documents three more times after that. Finally XX/XX/XXXX my loan entered an normal loan status. I was notified by Bank of America that all was complete. I was also told after six months this should reflect as a normal loan status on my credit, which would have been in XX/XX/XXXX. I thought all was finally resolved. I recently tried to refinance my loan in just my name and was told that my loan is being reported as making partial payments and not in a normal loan status. I contacted Bank of America and now they are saying they need another loan packet agreement, that the loan is not in a permanent loan status.This has been going on for five years now. They have also been sending me conflicting tax statements for the last four years. This program by XXXX was meant to help people not hurt people. Please help me resolve this issue that is ruining my credit. Also there was an incentive of XXXX dollars per year for every year you make your payments on time. I have never received any incentive payment. All of this must be illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Several years ago my wife a XXXX lost her job, which caused severe financial difficulties for the family. With her job loss, I had to take over all financial responsibilities as a XXXX XXXX. With her job loss I was unable to continue payments with Bank Of America, XXXX XXXX, and XXXX, and still make the mortgage payment on our house. At the time of her job loss we had excellent credit history. I contacted all the credit cards asking them to work with us until my wife found a new job, and that I would continue to make payments, although they were below the minimum amount. None of these creditors were willing to work with us, and at that time I had to make the decision whether to keep our home or pay the credit card companies. Since that time all have taken us to court, bullied us, and even went so far to contact my employer to have my wages deducted form my pay. At this time they have destroyed our credit history, and at this time no one is willing to work with us for loans. I explained to each creditor what happened, and was willing to work with them until my wife became employed again. Not XXXX was willing to take the time to even talk with me. As of now all credit card companies hired attorneys, and we have paid thousands of dollars to them. Recently, as the balances became close to settlement they stopped taking money each month saying that their law firm was done, but another would be contacting us, this is with XXXX XXXX and XXXX XXXX. The Bank of America has continued, using tactics that I believe is hostile. Much of the amount was paid prior to this, but their interest and payments still baffle me. I am asking for intervention, as I believe their advertising to their customers was deceptive, they would not work with their customers in financial trouble, and made no attempt to contact us prior to starting legal action with a law firm. I am asking that they help us rebuild our credit rating and history as they have destroyed it not willing to work with me when I spoke to them regarding our financial difficulties when my wife lost her job. The attorneys now representing Bank of America are : XXXX XXXX XXXX. 
XXXX XXXX XXXX, Utah XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America is reporting late payments on my account to the credit bureau. The first late payment was in XXXX XXXX, it is XXXX XXXX, XXXX and they should be removed. According to the Fair Credit Reporting Act " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first one missed in the series. ''

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 2016-08-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX XXXX, 2016, the bank of America inserted a 'online reply expired ' document in the message center, of my eligible claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: GA

Complaint narrative:
I made an extra payment online through Navient Corporation online bill pay for the amount of {$10000.00} for which I had designated all to go to the principal. Instead Navient Corporation took the majority of my payment ( {$8200.00} ) and rerouted it to my accrued interest. The remaining amount ( {$1700.00} ) was applied to my principal. I contacted Navient about this issue shortly after XX/XX/2014, I was told the online bill pay system allocates the distribution of payment, regardless of how the payor designates payment. Therefore it was projected to me as if this was final and I could not redistribute may payment as it was already processed. This was very frustrating and made me feel at loss. I was living on a limited income with a very large loan amount. My total student loan amount is currently {$210000.00} with an interest rate of 6.8 %. My credit score has taken a hit because I had difficulty making some payments after I had paid such a large amount in hopes of reducing my monthly payments but to no avail my monthly payments continued rise. These practices make it impossible to payoff loans, it makes well intentioned individuals lose hope in paying their loans off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 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: CA

Complaint narrative:
I am receiving daily calls to my workplace and personal cell phone everyday from Navient about my student loans that I can not repay at this time do to the outstanding balance and interest on the loans. Navient also calls my mother, grandmother, and husband daily. My mother and grandmother are co-signers on a few of my loans and are unable to help me repay my loans due to their own financial restraints. This is harassment plain and simple and calling my myself and my family members multiple times a day ( including Saturdays ) will not change the mere fact that i can not afford these ridiculous monthly payments they are requesting from me. 

XXXX XXXX University XXXX College XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
FIA Card Services repeatedly billed numerous duplications of an unauthorized charge over a period of more than a year. By phone, they acknowledged the charge was unauthorized and credited back some of the instances, but then rebilled the same charge in duplicate. According to the Fair Credit Billing Act guidelines, I sent certified dispute letters on XXXX dates ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; and XXXX/XXXX/XXXX ). FIA Card Services did not respond at all to the first XXXX letters and only acknowledged receipt of the XXXX/XXXX/XXXX letter, saying they would research and respond. I never received a response to my detailed documentation of their error ( s ). They continue to bill me and add penalties, they referred me to their collections department, and they reported me as delinquent to credit reporting agencies - all in violation of the Fair Credit Billing Act and their own Billing Rights statement.

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 2017-03-05 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: OR

Complaint narrative:
Navient never responded/made it clear how to update income for income repayment plan. I contacted them about change in income and no one responded. Website is extremely difficult to navigate and does not provide a section for updating income. Links on website loop to nowhere or time out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 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: GA

Complaint narrative:
Hello, I defaulted on my private loans with XXXX XXXX which is now Navient in XX/XX/XXXX and they were charged off on my credit. The loans were then sent to XXXX. The law firm, XXXX magistrate court, and I came to a judgment that I will pay $ XXXX month towards the loan with no interest or attorney fees included XX/XX/XXXX. 
I have never missed a payment on this judgment since created. However, Navient reports every year a new charge off charge to my credit report and does not reflect my current payment history. Also, they are continuously adding interest to my loans which the court order clearly states no interest included in the balance. 
I am in the process of purchasing home most recently as XX/XX/XXXX Navient has reported missed payment and charge off negatively to my credit report. When I am in good standing with XXXX/collection agency. This impacted my credit score by XXXX points. 
This practice has to illegal and unfair. The charge off should be a one-time occurrence not a continual monthly occurrence if the judgment is being meet by the courts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: UT

Complaint narrative:
I 'm currently a XXXX ( 4 years ) enrolled in a university XXXX and in XX/XX/XXXX, when I started the doctoral program, I arranged to have my private student loans deferred. I recently received an email from the provider ( Navient ) stating that my loans needed attention. When I contacted the provider ( on XXXX XXXX, XXXX ), I was told that my loans came out of deferment in XXXX XXXX and that I now owed XXXX dollars in overdue loans ( I 'm not sure by exactly how much because I was told XXXX different amounts in overdue loans from XXXX different people because I was transferred several times, put on hold and had to call back. Both calls ultimately ended before I could resolve the matter because the employees switched my over to some automated survey both times -- the first phone call lasted 30 minutes and I got nowhere ). I requested forbearance, but was told I had to pay {$150.00} first to bring my account current. As a full-time XXXX student, I am unable to pay that amount and would like my loans to be placed in forbearance, especially since I never received any advance warning that the deferment status on my loans was about to end, so I never had the notice or opportunity to do so before my loans " automatically '' came out of deferment ( without my knowledge ) and became overdue. Otherwise, I would have done so earlier. I feel that I have and am making a good faith effort to work with the provider, but that the provider is not reciprocating as evidenced by the evasive manner in which they handle my phone calls, the lack of notice they afforded me, and the conflicting information I received. ( Instead, it feels like they almost want me to default so that they can charge exorbitant interest and fees and ultimately sell the debt at a profit. This is n't right, and if it is legal, it should n't be. ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX security XXXX Bank XXXX. Mortgage XXXX Bank of American Bank XXXX Bank XXXX XXXX XXXX case XXXX XXXX Customer service Group XXXX XXXX XXXX # XXXX XXXX Texas XXXX XXXX Saving and loan XXXX, failed closed in XXXX Home savings and loan XXXX XXXX bank XXXX XXXX Bank XXXX saving and loan Bank closed XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Fax XXXX. 

XXXX XXXX committed fraud, Fraud, forged deeds loan documents identity she put never Been married on XXXX XXXX my husband death certificate I was married to him 28 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 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: PA

Complaint narrative:
I 've been steered into forbearance many times and not told about payment dates.. almost tripling my loans

Company response to consumer: Closed with explanation