vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-27 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: NC

Complaint narrative:
In XX/XX/2011, XXXX changed to Navient. They also changed my terms from an affordable payment which I was making, $ XXXX/mo. They increased my payment to over $ XXXX/mo. I told them I could afford that payment. At that time my principle balance was {$7000.00}. Last fall I contacted student aid ombudsman. They told me Navient would not make options available to me. The ombudsman did tell me I could refinance with a different servicer. Navient never told me that. I refinanced last month with XXXX. After all the interest and fees Navient charged me, the new principle is over {$16000.00}. I could have the loan PAID OFF by now. Navient lied to me to keep me in the loan. They also TRASHED my credit. Thanks for your reply

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
Loans were not put into forbearance when told numerous times that I am unemployed and have been for XXXX years. Some employers do credit checks now and these loans reflect badly preventing me from getting work in order to pay them off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received an email message late last night alerting me that my new credit card was being sent. I called XXXX for another reason ( to confirm that a call from them was legit ) and they advised me of the new credit car being sent - and the initial reason provided by a customer service person was that the benefits had changed. When I pressed the issue and asked for a supervisor ( XXXX, extension XXXX ) I was advised that the new card is a switch from an AMEX card to a XXXX card because they have switched programs. They said they sent me a communication on XX/XX/XXXX ( which I never received ) and when I asked for a copy of it they said they were unable to send it to me. I pressed the issue and they just said they were unable to send it to me. It seems that if they are claiming they sent something they should be able to provide me a copy. I checked their online messages ( which I rarely check, so could not have deleted ) and find there is only the message I received last night. I understand them changing programs, but what I do n't understand is not giving consumers adequate notice so other arrangements could be made if it is not what I wanted.

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 2016-05-06 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has misreported a balance on a credit card that I paid off over 6 years ago. I noticed it was still on my credit report when I checked it in XXXX. I 've written them and disputed with the credit bureaus however nothing has been resolved. The balance should be showing {$0.00} Please assist

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 2016-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America violated Federal Law by not placing a " disputed by consumer, '' on my credit report within 30 days. I have certified letters with signatures and waited 30 days after the signature to pull another credit report. They never did mark my report as disputed. I sent then another letter stating they have violated Federal Law under the Fair Credit Reporting Act, Section 807 ( p8 ) and I still have it showing on my credit report. By law they have to remove this negative correspondent on my credit report.

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 2017-01-04 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
I have had a credit account with The Swiss Colony for years. I only really use it at XXXX time to send XXXX gifts to friends and family. I get catalogs from them all the time and right in the front of the catalog is a page that tells you what your credit limit is and what the payment will be if you charge that much. My current credit limit is {$1200.00}. I have not used any of it as I paid the card off earlier in the year. I have never charged more then a couple hundred bucks on it ever in any case. I decided to use it again this year to order 4 products to send to my husband 's family. I placed the order on XXXX and sent it off as I have done every year for years. I assumed my order would be processed and sent out as it has always been. I checked on the order around the XXXX and found out that they had decided that my credit limit was reached and that I needed to send it a check for the full amount of the order which was around {$150.00} - and they did n't even tell me until I called in. I have many problems with this. In the first place it says right in their catalog and also on the My Account page on their online store that I have {$1200.00} of credit. There was no notice of any problems or turning down the order until I called in. Magically several days after that I did receive a letter telling me that they would not honor the order and that I needed to pay the amount of the order in order to have it sent out. It was too late for me to reorder anything else and so I just told them to cancel the order. I have written a letter to them including the credit info but also told them I would report them to your agency. 

I do not think it is right when a customer has been a good customer for years and has paid their bills and paid the account off, only to find that you have been cut off with notice before you place an important XXXX order. I do not like their non-loyalty of a customer or their lackadaisical attitude of notifying a customer of what is happening when you assume that things are happening and that gifts you have ordered will be taken care of as they always had been when previously ordering from this same company. I do n't think it is right to tell a person they have {$1200.00} of credit only to change that at the eleventh hour and not make sure that give that person time to reorder or make a decision regarding that order.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-01-18 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: IN

Complaint narrative:
In XX/XX/XXXX I graduated XXXX and was accepted in to XXXX XXXX in XXXX Arkansas. At that time I applied for a private student loan through XXXX XXXX, now Navient. My co-signer was a friends dad who is a XXXX year old retiree. I have the documents to prove that loan exists. My complaint is there was another private loan which was taken out the next year in which I am paying for now but no one remembers applying for and I do not have the documents for. Now I have {$150000.00} in student debt, which XXXX is private and I only have 3 months of deferment left. I am on a 25 year repayment plan paying $ XXXX/month for the private loans and $ XXXX/month for my federal loans equaling {$1200.00} per month in student loans, which takes all of my income per month. I would like the CFPB to look into the private loans to see where the second loan came from, were any predatory lending practices committed, and if any of my loans can be forgiven. I would deeply applicate any help because I had no idea what I was getting myself into when I was XXXX, I was just trying to go to college.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Bank of America cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Bank of America reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Bank of America, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Bank of America.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Bank of America.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Bank of American to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I XXXX XXXX XXXX XXXX have a complaint with Bank of America, I had an account with Bank of America in XXXX TX. My account was completely cleaned out, all of my money had been withdrawn without my consent. I never signed any authorization for anyone to remove funds from my account. I feel that this was an inside job, from someone working at the branch were my account was located. Please contact me to gather more details regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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 have been trying to get proof of a life insurance policy that Bank of America was debiting my checking account for {$650.00} a month for 10 months. When I spoke to the branch manager they indicated they could not provide proof and that they would not refund my {$6500.00} that ( stole ) from my account. There is also a credit card with them that we have also addressed as trying to get settled and they will not respond. I finally had to retain counsel to get this resolved and even with my attorney reaching out to them they will not respond.

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 2015-07-24 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: PA

Complaint narrative:
Lent amount predictably uncollectible. Has harassed my family and myself ( including members for which I did not provide their contact information XXXX in their collection methods- repeated calls, early in XXXX and XXXX. Not willing to work with me to pay loans, put me in forbearance to collect interest, but still not able to pay requested amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1.Bank of America has a customer care number that goes around the country in all different states.There is no good help and resolution. The account was closed by Bank of America. I want the account closed and free permanently. But the account continues to have fraudulent activities and making the account balance which was XXXX at time of close on XX/XX/2015 changing and the closing statement shows credit balance on the XX/XX/XXXX. And because there was more fraud activities going on within Bank of America, the balance is changing. 
Help!!!!! Help!!!!! Please It seems that government department such as the FTC and crib phone numbers are being forwarded and transfer to some fake or fraud number or offices that are floating around all over the world!!!!!!! 
2.Please have Bank of America straighten the account as it should be. 
3.My email address is XXXX 
4.Bank of America credit card account number ending in XXXX. Please have this freeze and permanently. 
5.There is identity theft going on accessing my account. 
6.There seems to be charges on the account too high. 
7.Please do not publish my information but you can do so with the kind of incident.

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 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
They keep calling my job. Obtaining my personal work schedule. Did not leave info when asked. They fraudulently advised another supervisor that they were verifying info for a new job at my current employer. My boss asked me was I looking for another job because I am trying to get a promotion. That is ruined and now my hours are cut due to this. This is unethical.

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 2017-02-26 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: AZ

Complaint narrative:
After reading the news lately about the allegations against Navient, previously XXXX, I realized that I was also being mistreated and mislead by these companies - and did'nt realize to what degree until now. I currently have nearly {$100.00} XXXX in student loans, most of which are private through Navient. Navient also took over my federal loans recently from XXXX, to my regret of course seeing as how they 've handled loans so far. 
When I first looked into attending college, I was pushed by the " student services '' staff at my University into taking the private loans. At the time I knew nothing of college or finances, but I was assured by them that my struggling parents made too much money and these were the only way to go. What a grave mistake I made. Since then, I have been struggling everyday with this giant financial burden. I did graduate and I continue to make my monthly payments. However, I paid over {$100.00} XXXX for a XXXX of XXXX or XXXX, which did n't help me get a job making nearly enough to pay off the loans. 
When I began reaching out to XXXX, they were very aggressive and would continually push me into asking relatives for money, allocating other bill money like rent to them instead, and into using up all 12 months of allotted forbearance at once, not telling me that they only allow that much time over the life of your loans. I have never had a pleasant experience with Navient and my interest rates continually change. 
Two years ago I was desperate for help and a representative helped me over the phone to extend the life of the loans while bringing my interest down to 2.5 %. She explained that it would be locked in at this rate for the life of the loan if I added on another 10 years to it. I entered the agreement and after only one year, the rates went back up and I was stuck with 10 years on my loan agreement. When I called, they denied the original agreement and told me that the agreement was for only one year. The last time I spoke with them, I asked them if there was any way they could help me and they simply said " No, there 's nothing we can do for you. '' I have been completely mislead and find it heartbreaking that in one of the greatest countries in the world, we ca n't trust those who claim to have our best interests in mind. The helpless experience and monstrous stress has had a terrible effect on my quality of life, but I hope that it helps others avoid a similar situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
I have been a teacher for the past 11 years. I qualify for a loan forgiveness of {$5000.00}. I have filled out all appropriate paper work 4 different times. When I call to see why it has been denied they told me that I do not qualify, I dont have enough experience teaching, or my paper work wasnt filled out properly. Now I havent heard from Navient about my most recent attempt to get the loan forgiveness in 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Several attempts in writing were made to Navient to provide student loan documents to verify and validate. No documentation received in last 60-days. 

Navient is reporting negative info to credit bureau 's severely hurting my financial status. 

I am making my student loans directly to US Dept of Education per agreement and on time. 

Need quick help. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Ever since I have had Navient, I have not been able to make payments successfully. When I first started paying them back, Navient 's website led me to believe that payments had not been processed ( upon logging in after submitting a payment, it would say payment overdue ) and I ended up triple paying one month 's worth of payments. Between having the " automatic debit '', the online confusion and the sheer absurd amount of time it took for them to process the payment, I ended up paying the same bill three times. Since then, I have repeatedly continued with forbearance and the last time I tried to submit a payment, I got the confirmation email about three days after I submitted the payment on their website, but the money was never withdrawn from my account. That 's another problem I 've had with them - I 've had to give them my checking and routing numbers at least 7 different time. Every time it was repeated back to me correctly, yet they kept saying it was my bank 's fault. When I called XXXX XXXX, they said they had no record of Navient even trying to get a payment. Also, those lucky few payments that did go through took at least ten days to post to my bank account as well as Navient 's joke of a website. This is by far the worst company I have ever had to deal with. There is absolutely NO reason a payment should take that long to be withdrawn from my account and their website should immediately reflect at least the attempt to make a payment by saying something like, I do n't know, payment pending?!?! Please help me get away from this nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a settlement letter in XXXX 2015 for {$2200.00}. I have made all the payments and Navient sent my account to a collection agency for the full balance even though I made all settlement payments. I paid off the settlement early and have attached copies of the money order receipts. 

The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-06 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.

Complaint narrative:
In XXXX, I took a {$55000.00} private student loan from Sallie Mae for financing my second year XXXX at XXXX XXXX. I started repaying this loan amount post graduation ( i started repaying in early XXXX ). Aside from capitalized interest ( {$5000.00} ) added to my principal amount, an amount of {$1800.00} was also added to the principal as repayment fee on XXXX XXXX XXXX. I have called and asked about the fee and have been told that its in my contract. This fee was neither disclosed during loan discussions or disbursement process and adds and extra burden during repayment. Can you please help figure out how this addition to the principal is allowed, even in a private loan? This looks like an underhanded approach to add interest income indirectly for the issuer and directly from this amount added to principal at time repayment begins. After repeated efforts the servicer now ( XXXX ) can not even provide documents showing this fees was part of the loan. 
Thanks, XXXX XXXX Sallie Mae A/C No. XXXX

Company response to consumer: Closed with explanation