vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-21 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:
After 5 years of on-time payments, my request for co-signer release stating " you are not making the required consecutive on-time principal and interest payments based upon our required standard for credit review criteria. " Navient needs to release my grandmother of XXXX years from this account. She is paying for XXXX care and needs to have this loan released. In the meantime, I am checking with banks to have it refinance. I do not believe that Navient is a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 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: GA

Complaint narrative:
In XX/XX/XXXX, I had to take out a {$10000.00} loan with XXXX. While I was in school, I was told that I had to make payments, even though I opted out of the option to repay while I was in school. My mother had to pay $ XXXX monthly, because I could not afford the payment, due to me being a college student. Around XX/XX/XXXX/XX/XX/XXXX, I was told that my loan was going to transition from XXXX to Navient. My mother still continued to make payments and I occasionally made payments as well, due to me having a summer job. In XX/XX/XXXX, my loan payments jumped from {$80.00} to {$190.00}. I continuously called Navient, begging them to lower my payments because I can not afford to pay {$190.00}. Representative after representative refused to lower my payments. I have asked for income-driven repayments, Navient told me no. Later that year, Navient cause my credit score to drop XXXX points. I could not get an apartment, because Navient caused a hard inquiry on my credit score. I have recently begged them to lower my payments to {$50.00}, because that 's all I can afford and they still told me no. On XX/XX/XXXX, after calling, harassing and leaving 15 voicemails on my phone, I decided to pick up. XXXX, the representative told me that I need to make a payment or my name was going to go to collections. After I told him that I could not afford to make a payment, he rudely said, " If you work full-time, I do n't understand why you ca n't make a payment. You must make only {$200.00} huh? '' Navient harasses me XXXX. I have blocked over 14 different phone numbers from them, but they still call me from XXXX until XXXX. It 's exhausting. All I want is for payments to be lower, that 's it. They refuse to work with me and I will be grateful if I can get any help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 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: NY

Complaint narrative:
I have a private student loan with Navient. I am currently unemployed and unable to afford full payments on my loan. I have contacted them four times to attempt to work with them to lower payments until I gain employment. Twice they told me I was eligible for a year of interest only payments, which I was willing pay, and then denied my requests. Next I was told I eligible for XXXX months of interest only payments and then they denied my request for that, they claim because they do not approve short term requests. Why offer me that option and then deny it because of the shortness of the time period, when it is the time period limitation they set. Finally I asked for an income driven lowering of my payments, and was told there were no options for that on my loan. I stated I would rather make partial payments then go into default/delinquency and I was told a partial payment would be treated as a non-payment and they would attempt to destroy my credit. I have great credit because I am responsible and pay my bills. They are making no genuine effort to help me pay off my debt and using predatory tactics to try attach further charges on my loan. They have sent me numerous emails stating they encourage me to work with them to lower payments and every time I contact them the end resolution is that they tell me I have no options. It is unfair that if I am willing to keep paying the monthly interest, which is almost half of the full payment, that they opt instead to try increase the total amount I owe by tacking on late fees and charges and threaten me with the destruction of my credit. I have been an excellent customer and are now using my financial hardship as opportunity to make more money off of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: MN

Complaint narrative:
I was repeatedly misguided by customer service regarding the eligibility status of my payments towards loan forgiveness. Navient/XXXX intentionally made the loan plans complicated and misleading and tricked me into remaining on a repayment plan that was not eligible for loan forgiveness even though that was my stated intent as a XXXX-employed XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 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: TN

Complaint narrative:
Hi my name is XXXX XXXX XXXX, I have a private student loan with Navient. they are refusing to help me lower my payment passed on my financial statement and a supervisior even hung up on me. when he refused to tell me if any programs where available to me. I have a co signer who offered to send final statements and they refused to except and only took it over the phone and said she made too much to lower my interest rate which he says is the only way to lower my payment. I am not a student anymore I work and have a family and make like XXXX a month and my bills round up to about over 2500. a month. I m in desperate need of help and they are just flat out refusing to assist me, I am willing to pay, just need an amount that I can afford. I have tried numerous times with no success and I am at my whits end I have a family to support and it seems these people at Navient care only about how much they can get out of you they care nothing about working with the customer to solve any hardship issues. The lack of empathy dicusses me to no end how can people be so bottom line and treat others like just a number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened a account with bank of america over 8 years ago and at the time was told that i will not have any maintenance fees on my account, than in XXXX they started charging a {$12.00} maintenance fee without warning or being told that at all. when i contacted them they said it is because i did not fill the waiver requirements, which i never have, not before XXXX either.

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 2015-05-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have been hit with several exorbitant banking fees at Bank of America making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have requested PMI cancellation. The eatablished value of home is over XXXX. Current amount owed on home is around XXXX. BofA claims they can not cancel PMI yet loan is current. The payment history is a bogus claim by BofA to extend PMI payments longer than requested. The laws do not permit or support this claim.

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 2017-02-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
This is loan that Bank of America should have dismiss because that what they me over 15 years ago. An it still show up on my credit report. It was during time period when the interest rate super seeded the loan on the card an their was no way I could keep up the principal rate an the loan got larger making me unable to pay. Back in 2006 it was to have drop.

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 2016-01-04 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: VA

Complaint narrative:
I entered into a repayment plan with Navient from XX/XX/XXXX-XX/XX/XXXX. My monthly payment ( which is automatically deducted from my checking account ) is consistently misapplied, resulting in my loans becoming past due and frequent phone calls from the servicer. I have contacted Navient multiple times to resolve this issue, and yet there has been no resolution. This is frustrating as even though I make a monthly payment, my loans are consistently at risk of becoming past due if the servicer misapplies the payment and I do not catch the mistake. Conversations with the servicer have not brought any results, as this issue keeps coming up. I am concerned about having my credit negatively impacted if the payments continue to be misapplied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am attempting to go through a short sale for my home for loss of income. Since XX/XX/XXXX i have received nothing but the run around from Bank of America. My agent and I have spent months submitting repeated paperwork that they have asked for. I have a cash offer for my home. Only to have Bank of America switch their negotiators on my agent and I twice, also having to start from scratch. We are now with a third Bank of America negotiator, who continues to ask for the same paper work over and over. She will only contact my agent through email and will not return her or my calls. If their has been any miscommunication, it could have been easily handled with a simple phone call. We have no way of speaking to a supervisor even. My house as been up for auction 3 times and was cancelled. Most recently, the negotiator gave us until XXXX to resubmit corrected paperwork that had already been corrected and re-submitted by my agent but the negotiator claims to have not received. By XXXX XXXX on XXXX she had already emailed my agent a rejection letter via email, not giving us until the end of day. Between the repeated documentation, corrections, threats of foreclosure and no Bank of America supervisor to escalate to, this has been highly stressful and I feel Bank of America is unfair in their practices.

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 2016-03-15 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: NY

Complaint narrative:
I student loan of {$480.00} has turned, through defaults, and bank fees, to a XXXX debt plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 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: MA

Complaint narrative:
On XXXX XXXX, 2016 Bank of America had a promotion filter on Snap Chat. It appeared to be a picture of a donkey that would face swap with the user and the donkey was holding a mobile phone with a Bank of America logo shown on it. My problem with the filter is that Bank of America did not disclose itself as an " Equal Housing Lender '' but notified a user that is was a member of the FDIC. Is Bank of America no longer an " Equal Housing Lender '' and discriminating? After seeing this I would probably not open an account there or apply for a refinance and I am currently in the market for a new Bank as I believe XXXX has significant UDAAP violations that are not being addressed through the complaint process. In addition, I am confused by the filter advertisement - is Bank of America announcing that it is filled with a bunch of Donkeys? A picture of the Snap Chat filter is attached to this complaint for reference purposes.

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 2016-02-02 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: PA

Complaint narrative:
Dear sir or madam, I am writing this complaint in regard to my lender, Navient. I have been attempting to contact Navient for the last couple of weeks regarding my monthly payments - specifically, potentially lowering my monthly payments since I am not only unemployed, but my payment amount has gone up with no explanation ( it is now {$500.00} when it was about {$480.00} only a couple months ago ). I have emailed Navient twice ( XXXX XXXX and XXXX XXXX of this year ) with the promise that my account would be reviewed and that I would receive a response shortly. I have not gotten a response to either email, and I think that more than two weeks should be enough time to be at least acknowledged by a live person from Navient. 

I submitted a complaint here about Navient in 2015 and I have filled out the financial information sheet that was emailed to me by a XXXX XXXX XXXX XXXX ; I attempted to email the completed form to XXXX XXXX, but when I sent the email, I immediately received an automatic response saying that my email could not be delivered because " delivery to this address is restricted. '' In addition, I requested proof of validation of debt from Navient starting in XXXX of 2015 and repeatedly reminded them of my request in the handful of letters I sent to them via the postal system. Navient simply told me they had already sent me this documentation, but I never received it. 

The primary concern I would like to address is the monthly payments and trying to negotiate a lower amount that I can afford each month. Of course, I will alert Navient if, at any time in the future, I am able to afford to pay a higher amount. The secondary concern I would like to discuss is Navient providing me with proof that the debt in my name is, in fact, valid. Thank you very much for your time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
This agency continues to report a debt that I do not owe. Although they responded to my dispute of this erroneous account, they did not provide proper validation. The correspondence that sent me is from an address that they are not bonded to collect in Texas at. They continue to use this address illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Bank of America regarding my complaint is completely untrue and, in contrast, proves my claim that the BOA has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the BOA provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the BOA had made totally impossible for me. 
Again, I request that the BOA refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I applied and received a loan for {$1500.00} through XXXX XXXX from Sally Mae I finished my my courses and soon after XXXX XXXX no longer existed. During the the courses of my classes XXXX and was unable to work. This all happened well I was in school. I was on unemployment and making payments to the company. Years have passed and i recently got a job where they recently started to garnish my wages. I called and talked to the people and was going to set up payment arrangements but I was talking to XXXX of them and found out they were trying to say I had XXXX loans out which is amazing not true now I think I 'm being taken advantage of and I did a little research and seen that Sallie Mae is getting sued for taking avenge of other people and there a lawsuit filed against them. I would like contact from you guys and see what my choices are cause I feel this is unfair. People are trying to better there life 's and company 's like these are taking advance of people they think wo n't fight back. I know I owe something but for {$1500.00} my loan to the company changing me over {$8000.00} is just ununexpectable.Thank you for your time. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship.

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 2017-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Loans were in deferment ; I thought that the loans were still in deferment but unfortunately, the deferment expired. Navient transferred the loan to Pioneer Credit Recovery Inc. This company is unbelievable. Not only are they calling my cell phone 4 to 5 times per day, but they are also calling my employer, my wife, my parents, my brother and his wife, my XXXX adult step kids, and my wife 's ex-husband. I am assuming there are others, but those folks are probably too embarrassed to say anything to me. Pioneer has also shared in full detail the reason why they are calling with my wife ( who is not on these student loans ). I am quite sure this company has shared in detail with other folks, too. I do not feel comfortable speaking with Pioneer. I am considering hiring an attorney to deal with this company because I believe my rights have been violated. I also feel they are violating the rights of everyone they are calling. THIS IS HARASSMENT!!!!! It is out of control!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I received a notice from the IRS stating that I owe {$2800.00} from a refund I should have received from Bank of America from over paid interest amounting to {$8500.00} in 2014, I never received a refund from Bank of America so I checked my 2014 form XXXX I received from Bank of America, in box # XXXX it states a refund of {$8500.00} in over paid interest. I have called bank of America multiple times per week for over 2 months with a promise at the end of every 1-3 hour phone call to be called back within 24-48 hours, I have received exactly XXXX phone calls returned from Bank of America. My tax accountant asked the IRS for 30 more days for Bank of America to rectify this situation, I am at the end of the 30 days and have gotten nowhere with Bank of America. I have faxed everything B of A has asked for as far as supporting documents, I need some help..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... ....

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