vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-21 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: MO

Complaint narrative:
I have entered into an income-based repayment plan with Navient for my Federal Loans but my payments exceed my monthly paycheck. I have asked on a consistent basis for help in decreasing my payments but everytime a customer service rep has offered me a forbearance. I need help in getting a real help with my monthly payments. I have asked for financial help for years and all they have done is passed me along with defaults and forbearance forms. I would really like to make some payments but I can not afford what they are asking. My combined payments are approximately {$3500.00}. I can not afford that I am a single mother and I am trying to take care of my daughter all on my own. I have told them this several times. I have no way to pay this amount. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Approximately four months ago I initiated a loan with Bank of America through a man named XXXX XXXX, the application number was XXXX. Bank of America assigned a closing date of XXXX XXXX. We requested this to be moved up to XXXX XXXX and they ignored that request. On XXXX XXXX and XXXX I was contacted by XXXX XXXX XXXX of Bank of America saying- after all of the underwriters had approve the loan previously- that they needed more information. The information they needed was assurance that I had more than {$40000.00} in cash reserves. I do most all of my banking at Bank of America and have roughly {$350000.00} available to me and Bank of America has access these accounts. The next day- one day prior to closing - XXXX XXXX contacted me again and said they had noted a payment to XXXX timeshares I own and I had to explain this to them. I own XXXX timeshares and I get bills every year like anyone who owns a timeshare and I paid them. I sent this information to them with a promise that we would close shortly the next day today XXXX XXXX. On Friday, XXXX XXXX, XXXX XXXX was not available nor washis supervisor. I then talked to another person, XXXX XXXX XXXX, who indicated that he would take that information and send it to the underwriter and that we would not be able to close on Monday but possibly Tuesday or Wednesday. The rate lock expires on XXXX XXXX. I fear that Bank of America after having this loan application for four months is now intentionally delaying the closure until the rate lock expires on XXXX XXXX, in order to renegotiate the loan in light of XXXX of the Federal Reserve indicating that rates will go up. I hope I am incorrect in this but I do need some assistance from someone with more clout than I have to get this loan closed in a timely fashion. I have spoken to an independent attorney and an independent mortgage broker both of whom indicate that the material they request is absurdly inconsequential and they feel the bank is not acting in good faith.

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 2017-01-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX Bank of America and their business partners, representatives and third party agents have colluded and conspired to defraud of my home and property by circumventing the rules of real estate, mortgages, loans, debt, and contracts. 

Specifically, Bank of America has intentionally withheld material information regarding the true status of my home loan mortgage account AND deliberately set out on a planned course of action to deceive, coerce, defraud, humiliate, and intimidate in their efforts to separate me from my home while pretending to engage in loss mitigation processes for years at a time and receiving monetary assistance from tax payers of the state and federal governments of the United States of America during such a scheme. 

Collusion occurs when two persons or representatives of an entity or organization make an agreement to deceive or mislead another. Such agreements are usually secretive, and involve fraud or gaining an unfair advantage over a third party, competitors, consumers or others with whom they are negotiating. 

A criminal conspiracy exists when two or more people agree to commit almost any unlawful act, then take some action toward its completion. The action taken need not itself be a crime, but it must indicate that those involved in the conspiracy knew of the plan and intended to break the law. One person may be charged with and convicted of both conspiracy and the underlying crime based on the same circumstances. 

104 ) Collusion 105 ) Conspiracy All previously mentioned resolutions are desired and mandatory.

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 — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
My Issue is with NAVIENT : They are a complete scam! 
I have a consolidated Parent Plus Loan. I would like to pay quicker by making extra payments or changing the terms ( when they got loan from XXXX XXXX they put me in what I think is like a 30 year term .. without communicating it to me ) Now, their terms jump from 120 payments to 300 payments .. nothing in between ..really no 180 payments? They have the pay as you earn and such, but I do n't qualify ( because I am a parent ) I called to ask them to apply the excess payment to my principal. I was told that I needed to send a note requesting that with my monthly check. I explained that I pay my bills online, I was told they needed request in writing ... then as instructed requested in writing that my extra payment be applied to the principal NOT interest or to the upcoming payment. My letter was ignored, I sent another.. again ignored bunch of letters later ... I called again.. they verified that they had received my instructions ... yet my extra payment is applied to following month! Even tough I pay regularly the same amount ( {$50.00} above my scheduled payment ) there are string of months when NOTHING goes to lower my principal. Even when they do apply something to principal, it is a fraction and it is always a different amount that has no logic ( it could be more than last month, or it could be less or it could be nothing!! ) Never had a loan like this!! THIS IS A NEVER ENDING LOAN! I pay and pay and owe basically the same principal! I have paid my car loan, my mortgage ... they are mathematically calculated based on a formula ... WHAT IS NAVIENT 's formula? Now I am a grown ( old ) woman with experience dealing with loans, credit cards, mortgages, even do my own taxes .. Can only imagine the what they do to these poor kids just out of college. Navient also does not honor their agreements ... they tell you one thing, then they do another. I agreed in XX/XX/XXXX to 15 years, verified payment amount .. then get letter with different info, longer term, lower payment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am being called a minimum of 3 times a day from the same company. they are using XXXX different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has stolen money from me for years, but now I have proof. 
I was sent {$200.00} and {$100.00} by way of their banking app and never received the money in my account. I have done this numerous times over the past year, and it has worked fine. But for some reason, now, the money is not coming into my account. I have already spent a few hours on the phone about this and they continue to tell me they do n't see anything. I have pictures from the individuals ' accounts who sent me the money confirming the money left their account into mine. I have given confirmation numbers for both transactions and the bank told me those are n't good for anything.

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 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America account. Recently during the last XXXX months I 've had to reorder a new bank card XXXX times. I have not received any of the last XXXX cards that were mailed to me. When I called b of a they said they see that someone has used my account in a different state. The b of a worker on phone was confused as to what 's going on with my account and while I was on hold I was disconnected. Then I was informed that I was kicked off of my online banking. I have no id a what is going on with my money and ca n't get any information on anything except I keep getting these overdraft postcards in the mail. I. Keep being informed of a bounced or cashed check that has nothing to do with me. XXXX keeps sending me bills that say payment was not made. XXXX also has turned my power off due to a pay, net that did not go through and should have. I had to come up with a large amount of money to turn my power back on. I continue to only get all these white cards of fees that I owe for things I did not do. I ca n't call b of a because I no longer have a bank card number, I am kicked off of online banking and I do n't know what 's going on. I 'm a widow with XXXX little kids. My son just had XXXX XXXX. I sell very little on XXXX to make a little extra money that 's is only reason I have my b of a account. I am robbed of my money and have been charged tons of fees everywhere because of b of a and they are the ones that informed me that someone has fraud in my account! I need help and b of a is taking my kids money!

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 2017-01-30 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: MD

Complaint narrative:
I 'm writing to complain about the way Navient treated me and, ultimately, failed to inform me of my rights, when I called XX/XX/2015 to seek debt forgiveness on account of being unemployed. I lost my job XX/XX/2015, and I phoned Navient several times in an attempt to find out about delayed payment options and income-driven debt forgiveness. The operator initially directed me to a federal web site and refused to tell me about any delayed repayment options. I called back, spoke to another operator and only learned about delayed payment options after demanding to know my rights and insisting that such an option existed. I was told by the XXXX operators that Navient did n't offer any delayed payment options for my loans. That was a lie, clearly. 

In my conversations with the customer service agents at Navient, I repeatedly asked about any income-driven debt repayment program. I explained in detail that I was out of work, had a mortgage and was supporting my XXXX year old daughter. Navient 's agents insisted multiple times that there was no income-driven debt repayment program. I made several calls and talked to many agents. They only agreed to have my payments extended after I effectively pitched a fit on the phone. Then, did they say I could reduce my principal and interest payments. Navient caused me undue hardship and failed to offer me an income-driven debt repayment plan when I needed it most. I have gotten a job since then, but I was out of work for 14 months, and I could have benefited significantly from relief that was due me. My dealings with Navient were beyond unpleasant. I have never dealt with a company that refused to tell me my basic rights and obfuscated the truth from me. If I had not demanded repeatedly that they offer me a delayed payment plans, I would have not been able to meet my monthly payments, and my loan could have been thrown into default.

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

Complaint narrative:
I took out a XXXX XXXX loan in XXXX to study for the bar exam. I returned to school and then graduated in XXXX. After graduation, I was unable to find a full time job and worked part time and as a temp until XXXX of XXXX when I was unable to work. My loan payment was extremely high and I was unable to pay the required amount. I contacted them on several occasions looking for a repayment plan or program, so for them to work with me as I was on unemployment at the stated time. I provided proof of the unemployment and they refused to work with me. Because I am was not making enough money to even get household items, I could not make the payments. I have had threatening calls, which I reported but got no response from the person who I sent it to at the company. Eventually they placed it in collections. When I became employed I tried to work out a payment plan with them again and after a lot of conversations and negotiations with the creditor I was able to make payments. Even though I make my payments monthly and on time, they refuse to let the credit agencies know about my payment so on my credit report it shows that I am late and not making payments. This is n't fair and it is something that they should work on since it has been raised as an issue with the XXXX committee because it is considered looks a default on a student loan. This is interfering with my career and I am making payments as I agreed to with them. I have tried contacting them about it and they keep passing me around to someone else who is never available and wo n't return my calls. But even if payment is made, they call me constantly to talk about changes or negotiate a settlement, it not about the issues I face. It is very frustrating and I am not working in my field right now so I am not making a lot of money to negotiate a settlement, I just want them to be fair and stop giving me the run around. I are willing to pay, and I have been paying even with their high interest rates and no wiggle room to negotiate repayments. A lot of students end up in debt and unable to make repayments unless it goes into collections, and why donot s it have to get to that point for us to get on a payment plan or are able to show hardship? They are not willing to work with student and that needs to be fixed.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 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: MO

Complaint narrative:
Information stopped showing up or being delivered to my mailing address, I found it is being sent to an old address with my private information and loan information. I can not get a live person from Navient on the phone to correct the issue or to even be able to pay them/set up a payment plan.

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

Complaint narrative:
I attempted to set up a multiple payment system with Navient regarding a Private loan.When I called after exhausting all avenues of working on my own trying to set up a second payment to pay more towards the loan the company informed me that I had to make One Large payment rather then 2 smaller payments which equal the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 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: NM

Complaint narrative:
Hello my name is XXXX XXXX, I went to XXXX XXXX and have been attempting to pay my loans down and get better interest rates. I have a situation that I may need help with. I figure I 'll give you the info and you can help guid me from here. I refinanced some private student loans from XXXX ( navient ) to XXXX in XXXX of 2015. Everything funded all was well, but in my account login for navient under that same account number it shows I still owe XXXX ( rounded down ) on that account. I verified that the amount XXXX funded was total loan amount. I can only conclude that they made an error. I have contacted them with my concern once in XXXX. Not hearing from them I 'm or seeing any difference in the account I need to address this before any more time passes. I messaged them again inquiring what the deal is but I 'm paying interest on a loan that is already consolidated. I do n't know how exactly to proceed. I could use some guidance if this is an issue you can help me with. 

Thank you, XXXX XXXX. 

Sent from my iPad

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
To obtain student loans my personal information was submitted to the Creditor without my knowledge and without my personal signature to validate any of the information given by the individual who received the loans. I requested over and over again for the company and collection agencies to please stop all collection efforts toward me. I provided proof that the signatures on the applications, did not match my signature, the spelling of my last name, address and place of employment all are incorrect on their loan applications. I disputed the accounts because they are NOT MY LOANS, NOR DID I CO-SIGN for these loans. These loans were granted to the individual without my knowledge and without any request from the creditor asking for approval as a co-signer. I am getting repeated requests and notices from different collectors to pay these loans. I have asked for collection actions to stop and for them to remove the negative infomation from my credit record. My requests go as far back XX/XX/XXXX via phone conversations, then via writing starting in XX/XX/XXXX. Now, they have turned this over to an Attorney firm that is once again sending notices threatening to take action. These are not my loans and I need this to stop as soon as possible and removed from my credit record. This is interfering with my health and XXXX to stay focus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: FL

Complaint narrative:
i am constantly and have been constantly disputing this account with this company for inaccurate reporting because they debt their reporting does n't belong to me. i am getting frustrated and i need this to stop. i will not pay for an account that is being reported inaccurately, that 's a scam and i 'm so tired of this company and their aggressiveness about getting me to pay for something that i have no attachments too. i 'm about ready to file a law suit, their reporting inaccurately and bullying people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that " third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is " illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient did not respond to my initial complaint filed through CFPB regarding payment application. Also, received my 2016 XXXX year end statement that is reflecting an excessive amount of {$21000.00} in interest.

Company response to consumer: Closed with explanation