vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-23 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: IN

Complaint narrative:
I wish I could select multiple options under " dealing with my lender or servicer. '' I contacted Navient due to my payment increasing by double without notice. During this conversation that took three hours, I was transferred between customer service and collections multiple times, as well as the call being ended by the representative 5 times during transfer. I asked to speak to a manager, a woman got on the line and spoke with me and then transferred me again. I was instructed by the next individual that the former representative I spoke with was in fact not a manager. This individual, who also identified himself as a manager, attempted to provide me with an explanation that did not make sense based off the explanation of my plan and the payment expected, attempting to confuse, mislead and misrepresent that numbers I was charged monthly and what payment program I was in. I inquired about ALL of Navient 's repayment plans, the individual stated that he would not discuss any of the other options because he would not allow me to enter into another program, based off his discretion. When explaining to him that we were seeking information from him in the customer service department the individual again reiterated that he would not even discuss any options because he had already decided he would not allow me to move to any of the programs offered. He also attempted to scold me for asking for these options. Navient continues to exhibit the same behaviors alleged by the CFPB in their lawsuit and their employees continue show a lack of education about their product and block borrowers attempting to gain information about all of their programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I have a Signature Student loan through Navient that was originally obtained when I was a XXXX student at XXXX of New Jersey XXXX XXXX XXXX XXXX. I have been trying to defer/forbear this loan for the last several months ( I am currently an XXXX ) and have not had success despite submitting XXXX sets of paperwork that were 'signed off ' on by my XXXX. I was told that the XXXX set of paperwork was 'not the correct type ' and was given another set of paperwork to complete. After the last set of paperwork was submitted, I received emails stating that the paperwork had been 'declined '. When I called Navient, the representatives I spoke to seemed surprised and stated that this 'should have been the correct paperwork ' but that they 'had been having computer problems '. I was reassured that the paperwork was 'about to go through '. 

All of this occurred XX/XX/2015. It is now XX/XX/2015 and the loan still has not been deferred. If this loan can not be deferred for some reason, I would appreciate if somebody would just tell me this rather than having me submit paperwork over and over again. If it can be deferred, I would imagine that I have submitted enough paperwork at this point for a deferral to be carried out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-19 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Bank of America has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were " unable '' to refund my {$12.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
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: MA

Complaint narrative:
While I was trying to get on an income based repayment plan for my private loans, I had asked the customer service rep I was on the phone with if I could call them right back to check my payment amount on my federal side so I could comfortably make both payments. The rep said yes, but in the short 20 mins that I left the phone with the private lain side to speak to the federal side, the Rep contacted my co-signer, my elderly grandfather on a fixed income, and told him that because I could n't pay the full amount he was responsible for paying my loans. They told me because they had looked up my grandfather 's income, I was no longer eligible for a repayment plan and that my private loans are now completely my grandfathers responsibilty, regardless of his fixed income, age and health issues. When my grandfather told them he could n't pay the full amount and that I would have to be on the repayment plan, they immediately put a bad mark on his excellent credit score and brought his credit score down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: MD

Complaint narrative:
Contact Navient about loan which was from 2001, statues expires, got no more than XXXX in loans, they say I 0we XXXX. They garnish my last 4 years of tax returns. Also I included in my bankrupty adversary was included for loan. Sent them a copy of bankruptcy discharge, they would not accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CL Holdings LLC
State: NY

Complaint narrative:
This company XXXX I have had for close to 3 years. I was able to see my report when I pulled my credit on XXXX. Sometime in XX/XX/XXXX this credit card company reported the account as closed but it was not. I called the company and they refused to fix the issue. This falls report on my account cost me XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19 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: NY

Complaint narrative:
I am trying to deal with Navient ( formerly XXXX XXXX ) regarding private loans that were taken out for my college tuition ( both under my name and with my mother as the primary borrower and myself as the cosigner. ) They have admitted over the phone repeatedly that if you are n't giving money to them over the phone ( the exact amount that they want, which is exorbitant, ) they will not document the phone call. Because of this, I have started dealing with them only via paper letters, which they have not taken kindly to. 

For the loans where I am the primary borrower, they are expecting well over $ XXXX/month payments which are unreasonable with my income. I have given them multiple financial statements over the phone, which they apparently are n't putting in the system because the next time I talk to someone there they say that there 's nothing on file. When I give them the statements, they agree that $ XXXX/month is too much, but that they have nothing else available. When I ask what they recommend I do, they say to not even bother sending the amount that I can actually afford without losing my home and car ( needed for my job ) because it 's not enough to do anything worthwhile. Then they make fun of me for not going into the career path that I was hoping to while in college and demand to know when I will be. 

For the loans where my mother is the primary borrower, she has one in a lower payment plan. We have confirmation numbers for the payments and they have been taking them out of her checking account, but then we received a letter in the mail stating that the payment plan has been rejected ( no reason why, which we 're trying to find out in writing. ) Yet even after the date the letter was sent, the money has still been taken out of her account by Navient. She 's also still receiving letters and phone calls that that particular account is delinquent, even though she 's making payments on it. 

I am at my wits end with them, trying to contact them via paper ( I refuse to talk to them on the phone anymore, as it 's resulting in me having panic and anxiety attacks every time they call. ) I do n't want to go into default, but I ca n't afford anything close to what they are demanding for these loans. I have used up all of my forbearance time on these loans ( which I paid {$150.00} every few months to put them into when it was XXXX XXXX. ) It 's almost making me wish that I never went to school at all, and also wish that my school had done a better job educating about what private loans really are instead of having me just sign a piece of paper for more money towards tuition ( XXXX XXXX and XXXX XXXX of XXXX. ) My federal loans are in a reasonable repayment plan based on my income ... why ca n't private loans be the same way? Please help or advise what I can do!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Affinity Mortgage, L.L.C.
State: CA

Complaint narrative:
I submitted an online application for a VA Home Loan to XXXX XXXX, Sr. Mortgage Consultant, Affinity Mortgage, LLC XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX , KS XXXX Direct Phone : XXXXFax : XXXXEmail : XXXXXXXXXXXXVisit our website and apply online at www.affinityhomeloan.comAnd, I would like to report them for possible fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have been a customer with Bank of America for many years, having a credit card from there since 2011. In XXXX, I applied to change from a XXXX Rewards Card to a XXXX Rewards card. Before applying, I had spoken to a customer service representative to make sure I qualified for all of the benefits that other people who apply for the card receive, including 0 % Intro APR for 12 months. I have a transcript from the conversation. Unfortunately, I am being charged interest despite the fact I was told I would not have to. Hoping this to be a clerical error, I then spoke with XXXX people from Bank of America and all of them stated that there is nothing they can do. 

I am upset because I have specifically planned and changed the credit card to benefit from the 0 % APR for 12 months, as I had some big purchases planned. The extra interest payments are an added hardship that have forced me to change my plans and financial planning. I was specifically lied to get this card and am now told there is nothing I could do. I would close my account with them, but do n't want to hurt my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19 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: AL

Complaint narrative:
I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
We are buyers of a short sale property from Bank of America. We went through the negotiation process 10 weeks ago and agreed to their price. All paperwork, including the XXXX Affadavit have been filed, but still no response from the bank. The seller 's realtor does n't respond to us, yet has $ XXXX of our money! We were given a close date ( on or before ) which is now 3 weeks away. Using that close date we sold our house with a close date 3 days later. If we do n't get an approval letter from Bank of America soon, my family - including a XXXX year old and XXXX year old - are not going to have a home leading into the winter months of Massachusetts. I ca n't call Bank of America because I am not the seller, so I have no idea how to get information on where we stand. My mortgage company wants the signed approval letter or they wo n't approve my mortgage either. How do I get Bank of America to move on the approval letter?!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am being placed on collections regarding a XXXX fire dept brush clearance fees. I self inspected and submitted an affidavit to XXXX fire which they confirmed. XXXX fire department confirmed i do not owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went into the Bank of America branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Bank of America branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Bank of America branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
Was seen in XXXX XXXX XXXX ER on XXXX/XXXX/2015, Paid {$25.00} @ ER balance owe {$750.00} ..I have paid {$25.00} on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. Received letter from Central Finanical Control stating my account has been with them for collection in amount of $ XXXXnot understanding why was my bill sent to collection and im attempting to pay what I can due to lack of work and illness

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: WI

Complaint narrative:
I have XXXX loans outstanding with Navient, totally somewhere around {$17000.00}. Until XX/XX/XXXX I was able to make payments, as I was working part-time in addition to receiving XXXX Survivor benefits. In XXXX, however, I had reconstructive XXXX on my ankle which kept me from working. I subsequently filed bankruptcy. The Navient loans were not XXXX, so I called Navient and told them that, while I knew I was responsible for the loans, I was not able to pay the $ XXXX they were requesting because my income was only $ XXXX. I told them that I would pay what I could each month but never less than $ XXXX, which I have continued to do. I acknowledged that I would be receiving their collection calls, but asked that they not call later than XXXX as I rose early and retired early. So far, I am receiving calls as late as XXXX, as often as XXXX calls per day, and receiving them every day until I answer. Once I take XXXX of their calls, the calls stop for that day, but resume within a few days. The conversation is always the same : I acknowledge the loan, explain my current income an inability to pay the {$240.00} they want per month, ask them to make a note on my account, and then repeatedly tell them I can only pay $ XXXX but will pay more whenever I can. We go around and around until they get tired of it and end the conversation. I have made good on my promise of sending $ XXXX. On their side of things, they will not accept that I can not afford to pay more, nor will they work with me to pay less per month, such as income-based. I was prompted to write to you because, having missed XXXX calls from them yesterday because I was n't home, the first call came in at XXXX this morning and my caller ID indicated " XXXX XXXX when, in fact, it was Navient calling. I rather doubt that XXXX would appreciate being used as a cover for Navient collection calls. I have just made, and they 've accepted, a payment for {$20.00}, even though I could better use that money toward groceries. I am at a loss as to how to proceed. I do n't need Navient calling 3 times a day, and I can not pay more than what I am sending them. We 're at an impasse and I need your help. I 'm also concerned that using a false name to fool people is more than just underhanded but may be fraudulent practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I currently can not pay my loan to Navient and told them via phone. Theywere nasty and said I will pay them or else. I told them that calling meXXXX times a day wo n't get them paid, as I am not working, and am in theprocess of losing my house. They said they need to get paid and do n't care. 
I was instructed by an attorney to send a cease and desist letter to them, which I did. Today the calls began again. I was told by a Navientrepresentative that collections laws and cease and desist letters don'tapply to them. They do n't care what my situation is, and they will continueto call every day, all day, until I pay them. I recognize I have a loan, but Iam unable to pay my utilities or mortgage, and have to sell my home. Thereneeds to be some protections under the Fair Debt Collections Practice Actthat applies to student loans. I 'm told I can not even refinance them, or haveany help, because of it being a private loan and my credit score is nowfalling. There must be some protection available to consumers falling prey toharassment. I asked why I did n't receive a response to my letter, and theytold me it is in their system. I was read a statement that it does not apply tomy case ( FDCPA ), but they have neither sent me a copy or agreed to sendone to me. There are XXXX of people who have similar experienceswith Navient/XXXX XXXX that I found online. It 's time to stop them frombullying tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have mentioned over and over again that I do not take calls from Bank of America. At this point I will consider any and all calls and messages as harassment and will begin logging the calls. I am certain Bank of America can email or use traditional mail services as I do not trust Bank of America and with one of the past complaints they epitomized why when claimed a phone conversation occurred which indeed never took place. The only possible reason Bank of America does not wish to email or correspond in writing is out of fear of documenting responses as they most certainly have email in their offices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 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: OR

Complaint narrative:
While using Navient our payments show as being split across multiple loans. The split appeared to be mostly even ( $ XXXX {$35.00} to each loan ) however upon digging we found that for the smaller loans they would only apply {$1.00} to it. This effectively makes a {$100.00} loan go from 4 or 5 payment cycles to XXXX. We have also found that we were never notified of a deadline to resubmit our financial status by to ensure low payments but would receive a notice about how they reevaluated and what our new payment would be.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Navient took over my student loan and never worked with me for a repayment plan. They attached so many fees that now, when I went to reenroll in school, I ca n't because their fees pushed me over the maximum allowed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Niagara Restitution Service Inc
State: LA

Complaint narrative:
Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation