vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. 
I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. 
Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct 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 non-monetary relief
Consumer complaint received 2015-10-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION
State: PA

Complaint narrative:
I have tried contacting Syndicated Office Systems without any luck to get proof of my debt and it is still on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I received a letter from Bank of America stating that they received a request from an authorized user to validate the debt associated with an account. As I do not have an account with Bank of America, I called the phone number provided on the letter. I was then informed that an account was opened in my name XX/XX/XXXX and then closed XX/XX/XXXX, the same year I was divorced. 
XX/XX/XXXX, my ex-husband added himself, both his current name and his alias, as authorized users to an account in my name which was closed XX/XX/XXXX. Furthermore, the Bank of America letter stated that a credit card had been issued in his name, and that I was responsible for all charges made by the authorized users on the account.The bank could not explain how someone could add himself as an authorized user on an account that was closed. In addition, they explained that the only way he could have done this is to have someone impersonate me, use my social security number, and answer my security question ( s ), which he had to have created in the first place. The representative with whom I spoke shared with me the phone numbers listed on the account, none of which are, or ever have been, mine. 
XX/XX/XXXX, my ex-husband called the bank again to inquire about the balance of the account. 
Another alarming factor of the situation is that the correspondence I received from the bank listed my name and my current address, which been my address only since XX/XX/XXXX. Therefore, my ex-husband was able to provide the bank with an address which was not his, to gain information about an account in my name.

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: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My house is in Foreclosure and I was served the complaint on XX/XX/2015. I have XXXX loans on the property. XXXX has the XXXX main mortgage loan and Chase has the XXXX Loan. The house was in Short Sale prior the foreclosure started. I had XXXX contracts on the house for a Short Sale and XXXX would n't accept the offers so the people walked. XXXX offered me a DIL ( Keys For Cash ) I accepted the DIL offer from XXXX and moved out of the house on XXXX/XXXX/15 and turned the keys over to XXXX. THE HOUSE IS VACANT. Chase has a lien on the title and XXXX sent the approval DIL on XXXX/XXXX/15 letter the settlement of XXXX would go to Chase. I faxed the XXXX letter to Chase on XXXX/XXXX/15. Since XXXX/XXXX/15 I have called Chase every XXXX days since to try to get my loan resolved of going to the settlement department and each time I have called I have been getting the run around and no one is assigned to my loan to speak to about it. XXXX needs the wiring info to send them them the XXXX and release the lien. Chase keeps telling me I have to send paper work such as a loss mit package, hardship letter, bank statements and paycheck stubs. I advised them several times I do n't want loss mitigation as I am not living there and I moved into an apartment. Each time I call no one can tell me or advise who can help me. As a matter a fact several customer service agents advised me that there is nothing they can do for me and the loan is simply inactive. I asked them how did you come up with this theory that you ca n't help they said the supervisor told them to tell me that. I have escalated my calls and a supervisor at Chase to call me back and said I have to fill out loss mit papers and it can take up to a year for loss mitigation approval. I explained to them and faxed over letters I do n't want loss mitigation I do n't live there and there is a settlement from the first mortgagor. They advised that 's all they can do. They advised me and said XXXX is not good enough for this loan. I advised them under the XXXX XXXX Guidlines of the government for an approved DIL XXXX is what is paid to the XXXX lien holder. They advised to me still not enough and they want XXXX the amount of loan. In the mean time of all this there is an XXXX fee of XXXX I 'm paying on a house I do n't live in and I ca n't afford paying this due to the run around conversations I am having with Chase. I signed a 3rd party authorization for Chase so they can speak to XXXX XXXX at XXXX to get this matter resolved. XXXX XXXX advised me when she tries to call they refuse to talk to her because she is not on the loan but I signed a 3rd party authorization. The bottom line is since XXXX/XXXX/15 I have not gotten anything resolved issue with Chase and the several phone calls I am making and getting no where with them. I find this unacceptable and against the law for treating me this way and not helping me getting this DIL settlement resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 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: NV

Complaint narrative:
I graduated college in XX/XX/2009, at which time I spent months looking for a job, any job, just to make some money. The money I was making was minimum wage and not enough to even begin making payments on due to unwillingness of the lender to work with me on getting me on an appropriate repayment plan. I therefore spent years struggling to make ends meet and being harassed by debt collection calls ( I still receive to this day ) as well as being hit with penalty fee after penalty fee. Less than 10 years later from graduating I am now looking at a loan balance that is now 200 % more than the original balance owed. As soon as I could, a few years later, I attempted to keep my private loans in good standing by paying an agreed upon amount each month. It was a steep amount each month and the representative i spoke with implied that it was also to go towards paying down the principal and no additional fees and penalties would be charged. When I had some life circumstances change and I needed to reduce the payment I was harassed, insulted, patronized and told that " You might as well not pay us anything anymore as it wont do any good. '' It was at that point that I ceased all repayment as no other representatives were willing to work with me. All other personnel I spoke with were patronizing, accusatory, and unhelpful. This is where I find myself today, utterly hopelessly without options and trying to figure out how to get penalties and fees forgiven so I may hope to repay my debt within my lifetime ... but not seeing that presented at all by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 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: AL

Complaint narrative:
I have both federal and private loans with Navient. I borrowed over {$70000.00} from approximately XX/XX/2003 through XX/XX/2006 for XXXX school. I have been paying on these loans since XX/XX/2007 and have had a few economic hardships and filed a few deferments since XX/XX/2007 ( some derferments due to low income and some due to my XXXX 2 years ago whereas my income was low ). Due to high interest and late fees, my principal balance still remains to be approximately {$73000.00} after 10 years of paying towards my loans. Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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: MA

Complaint narrative:
I took out a private student loan in XXXX with XXXX XXXX. The loan was sold to Navient in XX/XX/XXXX. My interest rate is 12 %. I have been consistently overcharge every month and some moth XXXX percent of my payment is applied to the loan. My original loan balance was {$10000.00} in XX/XX/XXXX. My balance as of today is {$8600.00}. Navient can not explain how my monthly interest, principal and fee are being applied. Some months there is absolutely no money is being applied to the principal at all. I am trying to refinance the loan with them and they will not do so. I have good credit so I will try elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
just open the saving account but after one month they closed my account with out any reason

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 2016-04-18 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: CO

Complaint narrative:
I was on the verge of defaulting on a student loan through XXXX XXXX when I was finally able to make a reasonable payment plan. My loan was transfered to Navient which is apparently a sister of XXXX XXXX. The verbal terms of the agreement were XXXX $ a month with a .01 % interest rate as the original interest rate on the loan was 8.5 % and 10 %. I have been paying down the loan for 2 years as of XXXX XXXX and the loan balance has not decreased. I contacted them in XXXX XXXX to ask why my balance had not decreased at all and they informed me that it was a computer glitch that did n't make all of the loans .01 % it only applied that to the smallest loan. So the rest of m loans were still collecting 8.5-10 % interest rate on XXXX $ of the the balance. I have called and spoke to multiple people and they continue to say " they are working on it '' I had one Navient " Manager '' state that I needed a court order to access my billing and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Your agency has yet to produce any solution from Bank of America. I 'm wondering if this is to big of a task for this agency. 
Bank of America has just increased my loan payment more than 3 times the rate. Bank of America informed me this was an interest only loan and did not explain that it was only for 10 years. Bank of America will not assist me in helping. Bank of America suggested I default on my loan before I can receive help. 

Bank of America has assigned and then switched approximately XXXX different managers or employees to help me. 

Bank of America took over 1 year to decline my loan modification. Perhaps this needs to be repeated. BANK OF AMERICA TOOK OVER 1 YEAR TO DISAPPROVE MY LOAN MODIFICATION. This is unjust to say the least. As a result, I now have to pay tripple the amount. I could have shopped for alternative a year ago. 

Please hold this bank responsible. Enough is enough.

Company public response: Company 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: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I have not been able to lower my monthly payments or remove my co-signer from one of my loans. My private loan is serviced my Navient but I also have Federal loans with XXXX XXXX. I am struggling to make ends meet and this debt is overwhelming. 
Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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: IL

Complaint narrative:
MY ORIGINAL LOANS WERE TAKEN OUT THROUGH XXXX. XXXX XXXX WAS TAKING CARE OF THE LOANS. XXXX XXXX FORWARD THE LOANS OVER TO AES IN WHICH A PAYMENT ARRANGEMENT WAS SET UP AND PAYMENT IS TAKEN OUT OF MY BANK ACCT EACH MONTH. Then I started getting calls from Navient Solutions Inc XXXX XXXX XXXX XXXX PA XXXX XXXX who stated they are now XXXX XXXX and they are taking care of the loans. I tried to explain to them that they forwarded XXXX of my student loans over to XXXX XXXX OHIO XXXX XXXX XXXX XXXX OH XXXX XXXX and they have me on a payment plan since 2013. Navient Solutions Inc is calling me for payment on the same loans they forwarded over to XXXX of OHIO. I tried to explain to them that i am being build by XXXX companies for the same loans. I also inform them that XXXX OF Ohio have Navient Solutions Inc as their client. Navient continue to say they have no way to verify that information and that they do not use and never heard of XXXX of Ohio. 
XXXX of OHIO acct # XXXX NAVIENT acct # XXXX " XXXX ' XXXX ' XXXX ' XXXX ' XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: NC

Complaint narrative:
Two years ago I was not informed of my renewal date for my income based repayment plan, and I was hit with a charge of over {$1000.00} when my regular payment was nearer to {$400.00}. This caused me to overdraft my checking account and caused a number of other financial hardships as I was unable to pay other bills and had to adjusted payment schedules. They would not refund this money though I asked a couple of times. Last year, I received an email stating that my income based repayment was expiring, and that my new payment would be approx. {$500.00} so I decided not to renew my income based repayment. When my income base plan expired, again is shot up to over {$1000.00} because the email I received was only in regard to a collection of my loans, not all of my loans. In this case they refunded me the {$1000.00} and I was able to reapply for income based repayment. This year, I submitted my renewal for the program and it has been over two weeks and I have yet to hear from them when the deadline XX/XX/XXXX. I withdrew from the autodraft system last year because of this, which increases the headache of making sure they get paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 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: TX

Complaint narrative:
I have been paying the same amount on my student loans on time for the last five years. This month, my monthly payments more than doubled. I called to get help and I, with my cosigner, went through a financial assessment over the phone on XXXX XXXX. This process took approximately two hours and we came to an agreement of a lowered monthly payment effective immediately. In order to agree upon the financial agreement, I had to agree to an automatic deduction of half of the adjusted amount every month. Just to lower my payment, which I qualified for due to my income, I had to give a stranger my personal banking information. I called to see when I should expect my account to reflect the new monthly agreement, and the operator had no answer for me. I continued to check my account and my bank statement for the transactions to change, and nothing different. I received a letter this morning, XXXX XXXX, to the effect that my payment over the phone did not go through due to failure to locate my bank account. Not only has the very same bank account paid my balance every month, but no changes have been made to my banking for over 13 years. I even repeated the account and routing numbers several times over the phone XXXX/XXXX/2016 just to make sure so that I would not lose my new monthly quote. Seems to me there is some foul play here. In the meantime, my account has had the same unaffordable balance, as well as, new threats of late fees and hits on my, and my cosigner 's credits. In addition to all of this, my cosigner during her recent financial adjustment, on XXXX, expressed that she is experiencing her own financial hardship and can not afford to help in any way. Instead of taking this new information into consideration, Navient charged me the same for the XXXX loans she helped me finance and threatened to attack her if the payments were not collected on time. I am a good customer and have tried to do the right thing here, but Navient has not held up its end of the new bargain.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hello : I took out private student loans during my XXXX. The loans went into default during a time I was not able to afford the payments. However, I have been diligently making monthly payments almost 1.5 years. However, the entity ( XXXX XXXX n/k/a Navient ) still reports each month on my credit report that I have a past due balance. I have worked out a payment plan over a year ago and have been making payments. Why are they allowed to report to the credit bureau that I have past due balances as if I am not making payments pursuant to a payment plan. This is causing me substantial problems and it is drastically keeping my credit score down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.

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 2015-07-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America is not reporting correctly on my credit. They included my mortgage in a Bankruptcy when I had paperwork with in my bankruptcy indicating possible re-affirmation. I continued to make payments on time also indicating of a reaffirmation from XX/XX/XXXX to XX/XX/XXXX as per my HAMP modification. This is also not reported. I also paid loan off in full by refinancing and Bank of America is refusing to show the payments from XX/XX/XXXX to XX/XX/XXXX and status of account paid as agreed on credit. They are sure quick to show bad status by will not show anything good.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 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: NJ

Complaint narrative:
My complaint echo 's the suit being filed against Navient. Any time I have reached out to Navient, they have n't assisted me with lowering my payment. I also have tried to reach out to them and pay a lower amount monthly which they have declined multiple times. Recently, the company automatically put my loans in forbearance without my permission. Also, when I fell behind on payments they would constantly harass my co-signer. They would call as early as XXXX, about 7 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Due to the limited response to information in response to a complaint filed by me in regards to XXXX XXXX, I realize that I need to identify misleading and deceitful information on behalf of Navient as well. Both companies have provided contradictory information between one another 's customer service representatives and within their own companies. The emotion strain piled on the financial strain has caused such stress on my marriage that trial separation has happened. With detriment to my credit and amassed debt, it hindered my ability to purchase a home with my husband, who has no debt from student loans, and has limited my ability to enhance my professional career through further education. As an educator of students primarily from low income homes, I find it disheartening and deceitful for me to encourage them to further their educational journey, knowing the trauma it has caused in my life. Anxiety caused by the drama experienced when working with these companies and the time consumed in attempting to get results ( accurate or consistent I nformation is all I hope for, guidance seems impossible ) has caused grief for all myself and my family.

Company response to consumer: Closed with explanation