vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-01 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has a pattern of using abusive and deceptive debt collection tactics to try and collect on my student loans. On XXXX XXXX, 2015, I received an email from a XXXX XXXX XXXX at Navient who asked me to give him a call to discuss my " concerns. '' This was the same XXXX XXXX XXXX who on XXXX XXXX, 2015, also sent me an email asking me to give him a call. On XXXX XXXX, 2015, I did indeed give XXXX XXXX XXXX a call. On XXXX XXXX, 2015, during the phone call with XXXX XXXX XXXX he used abusive, threatening, and hostile language. He threatened me with increasing the interest rate on my student loans if I did n't comply with his demands of continuing to pay XXXX XXXX XXXX XXXX who is a debt collector who was hired by Navient to collect on the student loans. I have filed multiple documented complaints against XXXX XXXX XXXX XXXX ( XXXX ) because of their deceptive and abusive debt collection tactics in flagrant violation of the Fair Debt Collection Practices Act and who are collecting on behalf of Navient. XXXX XXXX XXXX at Navient told me that I had no choice but to keep paying XXXX even though they have repeatedly broken the law, including the FDCPA, and XXXX XXXX XXXX stated that If i did n't keep paying XXXX my interest rate would be increased by Navient and Navient would tack on additional fees and costs to my student loans as a result of not continuing to pay XXXX. I need all communication from XXXX XXXX XXXX to be in writing. He has used threatening and abusive language in the past and I do n't want to be subjected to more threatening and abusive language. The threatening language by XXXX XXXX XXXX at Navient has caused me severe emotional distress. I have over two years of documented evidence against Navient and the debt XXXX they have hired to collect on my student loans. This documented evidence includes multiple severe violations of the Fair Debt Collections Practices Act, severe violations of the Fair Credit Reporting Act, use of deceptive debt collection tactics, use of threatening debt collection tactics, misrepresentations, and unfair business practices including excessive fees and collection costs. All these violations have caused me severe emotional distress and health issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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:
My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had an account with bank of america since XXXX they have closed all of the local branches in my area and the closest bank is half hour away from me which has been difficult as a customer but I just dealt with the inconvenience. I worked very hard to pay off my credit card with Bank of america with a {$5000.00} credit limit. XXXX day I go into my online banking to check my accounts and my credit card was not showing. I called the bank and they said they had closed my account no notice just closed. I had never been late and never had an issue with this card had the card since XXXX they had just sent me checks in the mail where I was going to use XXXX at XXXX for 0 % interset until XXXX. I am so glad i did not having no idea they closed my account I would of been mortified. It has sbeen nothing but difficult to keep a relationship with bank of america they do not care about there customers or having a long relationship with them. After years of having a perfect relationship with them they close my account with a zero balance because they say my utilzation is high on my cards. I am done with them closing branches everywhere and not having relationships with there customers there is so many other banks that do n't treat good customers like this

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 2016-09-26 00:00:00
Product: Other financial service — Check cashing
Issue: Advertising and marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Hi Bank of America HARD SELLS far worse than XXXX XXXX. 

B of A employees can BE RUDE and condescending ... not letting the topic go..and talking loudly about you NOT having an account for others in line to EASILY hear ... 

I wonder what CEO, at the upper level, is pressuring their staff to act like this??? 

Very selfish practices Region Locations are XXXX on XXXX and XXXX Oregon XXXX, XXXX Oregon area

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 2016-12-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON

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 — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
My credit has been ruined by Navient/XXXX. I experienced a difficult time obtaining a home loan. Since the beginning of XXXX, XXXX XXXX at the time, did n't want to work with me to find a viable payment plan. They just kept asking for whatever was due for the month and told me the only solution was to do a forbearance if I wanted any relief. I told them my situation and that I was n't earning enough to pay the amount they set for me. I was right out of school and they were forcing me to pay almost XXXX of my monthly income. I never missed a payment, I just could n't pay the whole amount in XXXX. They then placed my loan on default status and I was sent to collections in XXXX. I maintained a good record up to this day, but the first year in XXXX, my payments were n't being applied, the amount just kept going up each month. Now my credit report shows I 've been deliquent, despite making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America - Acct XXXXXXXXPrevious Complaint # s XXXX, XXXX, XXXX, XXXXXXXXOriginal HAMP loan paperwork was sent to me that included the name of the original co-signer on the loan. The original co-signer holds no interest in the property, it has been quick claim deeded to me 100 % and the XXXX XXXX XXXX XXXX office shows only my name on the deed. The loan re-modification did not take into consideration the co-signer as to income and only my information was utilized. Final contract papers were sent to me in my name solely. However, recent mailings with regard to current operational aspects of the loan continue to contain the previous co-signer 's name. In a verbal conversation with XXXX XXXX on XXXX XXXX, 2015 at XXXX, I was told that : 1. Despite my sole signature on the current loan documents where I accept 100 % responsibility, the original co-signer would still be on the loan ; 2. XXXX XXXX in effect admitted to me that Bank of America had no intention of ever removing the second borrower from the loan, I told him what prior verbal agreements had been made and he assured me that I was incorrect and past information had been misrepresented to me as he had the correct answer and that despite what I signed he would only be removed if I refinanced the loan. This, therefore tells me that the paperwork I have been requested to sign is a willful misrepresentation of fact designed to get my signature and finalize a fraudulent modification. In prior conversations with past customer relationship manager XXXX XXXX a representation was made to me that upon completion of the final loan documents ( that hold my signature alone ) the original co-signer would no longer be on the loan. A verbal agreement was made on more than XXXX occasion and now I am being told something completely different. Bank of America has willfully misrepresented their position to me in an effort to obtain my signature under the guise of the loan modification, tendering only my name and not that of the original co-signer as agreed to by XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Bank of America is reporting with the XXXX credit bureaus that I am in Chapter XXXX bankruptcy with them/home loan and I am not. I have not filed bankruptcy on my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-02 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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: AL

Complaint narrative:
I cosigned a Sallie Mae loan for my son because they would not approve him without XXXX. So according to Sallie Mae XXXX now XXXX ) after a co-signer has paid on a loan for 2 years they can be removed from the loan. I have been paying on that loan ( under a special program so that I can actually afford to make the payments ) for over 2 years and when I contacted them about removing my name, now they say well, we have to make sure the primary will be financially able to make the payments. Well it 's not my problem if they ca n't afford to make the payments, I have done my just do by struggling to make the payments for 2 yrs just to be told I ca n't be removed if the primary can not make the payments. That is very very unfair. I have a family, a daughter in college and it is a real struggle to continue to make these payments so my check wo n't be garnished. I am writing because I am hoping I can get some kind of help having my name removed from this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 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: ME

Complaint narrative:
First of all when I consigned these loans I did n't know the difference between federal and private with Sallie Mae. The interest was anywhere from 10-13 %! I begged for consolidation at 4 % when the XXXX were doing that. This is how I found out these were private loans and they did whatever they wanted, they did n't follow federal guild lines. we could not make the huge payments and they would not work with us at all. We defaulted. They are now threatening to attach wages and sue. I would be willing to make reasonable payments if the started over and added 4 % interest to our loan! NO ONE should have the right to charge 12 % interest! My question to you also is, can they attach wages or retirement funds. Thank you for your help. We need to pass H.R XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-15 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: CA

Complaint narrative:
I retrospectively know now that XX/XX/XXXX XXXX XXXX sold roughly {$1200.00} worth of my student loan debt to Navient that I was paying off well in advance of what was due. XX/XX/XXXX, I made what I thought was my final payment to XXXX XXXX and to pay off in full, my student loans. XX/XX/XXXX I had my first communication with Navient in the form of letting me know I owed over {$2200.00} on the loan they bought from XXXX XXXX XX/XX/XXXX. Over a {$1000.00} in interest was charged to me in a deceptive manner. Now Navient wants {$250.00} a month the settle the deceptive loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I realized my bank had made XXXX payments for homeowner policy when they notified me that my escrow account was short and it resulted in increased monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22 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: NH

Complaint narrative:
XXXX of my student loans are in delinquency. I paid $ XXXX towards them last week to pay the outstanding balance to bring them current. I called Navient today, and they told me that they will remain delinquent until I pay them in full, which is over $ 100k. I am unable to purchase a home because of these delinquent student loans. I was under the impression that by bringing them current, they would bounce back to a current status where I can pay them monthly just as I do on my other loans. They told me that I can pay them monthly but it will not bring them current. This seems very unfair that I must pay my student loans in full in order to bring them current. The past due amount on them was paid in full. Why can I not keep paying on them every month to keep them current just as the other loans? This has put a complete stop to my life, as my credit is suffering and due to these private loans ( not my credit score specifically ) I am unable to buy a home because the mortgage companies see me as a risk with delinquencies with a federal agency. Technically, with paying the past due amount of $ XXXX, I am not delinquent on these loans any longer. I find this to be very unfair and am looking for some guidance on how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I called Bank of America because I was interested in a balance transfer offer they had. The problem was, I needed my credit line increased by {$3500.00}. When I was connected to the rep, I explained to her what I was interested in and what I needed to make it happen. I then told her that if getting my credit line increased involved a hard inquiry, then I would not be interested. She just went along and asked to update my financial information. I then reiterated that she better not run my credit. She explained that she was not a credit analyst and she had no access to my credit. I said O.K, but if I find out there was a hard inquiry, Im going to call back and fight to have it removed. She then put me on hold. Upon getting back on the phone, she explained that she spoke to her manager and they said the same thing, they 're not credit analysts, so they dont know how they will effect my credit. Then she said " good news is you were approved for your increase ''. So I got my increase with the understanding that my credit report would n't be effected. I even told the rep that she did n't explain that she would be pulling my report, so it would n't be legal to do so. After completeing my transfers, I hung up and checked credit karma, and there she was, a hard inquiry from Bank of America. I need this gone!!

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 2016-10-14 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: VA

Complaint narrative:
Navient keeps reporting late when i have filed with them several deferrmemts and XXXX filed with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: GA

Complaint narrative:
I have defaulted on my private student loans. I owe XXXX dollars to navient. I have got into a program to pay on my loan. I have been in the program for over 6 months. I was looking at my credit report to determine if I can go about getting financial backing for a loan. All of my loans are charged off. I understand this happens in default but I believed if I made consistent agreed upon payments on my loan that it would reflect on my credit that I was trying to work with my creditors. I called navient today and tried to see what are my options. They informed me that the only way to change what is on my report is settling for XXXX or paying my loans off with them. I am currently trying to fix my credit and move into the next phase in my life. These student loans are a nightmare that never ends. I know it is my fault for letting them default in the first place but I could not afford them when I got out of school and when I finally got steady work and was able to get into a program that I could afford, the loans were already defaulted. And because of my private student loans I do not get the benefits of the federal student loans. I am at the mercy of my lender. I would not mind settling with navient however I would have to do it in payment arrangements over time. I really just want the debt of student loans to end as soon as possible. I want to be able to buy a house in the next five years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/2016, I made an online request to redeem XXXX reward points for cash. The amount came to {$91.00}. Approximately XXXX months later, I had not received a check. I called customer service to inquire. I was told by them that a check was mailed. I never received it. They then said another check would be issued. As of XX/XX/2016 I still had not received anything. I called customer service again and was told that another check would be issued. As of today, XX/XX/2016, nothing has been sent. I 'm tired of the run around and want the {$91.00} sent to me in the form of a check to my home address.

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