vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-08 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: CT

Complaint narrative:
I am having trouble with Navient. This is n't my first time. They are demanding that I pay close to {$1600.00} a month for my student loans - a very substantial increase from the {$500.00} I have been paying. I only bring home {$1600.00} a month from my job as a XXXX Team Member at XXXX XXXX. I am lucky enough to still live at home with my parents, essentially with free living expenses, but I do have a car payment, car insurance, and other living expenses I must meet. They will not come to terms with me but rather are hassling my father and aunt who are co-signors on the original note. Neither of them are able to pay what Navient is requesting either. My aunt is XXXX and retired with a very limited income. My father is in his last year of employment before he retires. I am not unwilling to repay my loans but I need to come to an agreement with Navient so that it is an amount I can afford. I borrowed {$57000.00} originally. I have been paying for 7 years and still owe {$80000.00} due to the compound interest. I will never be able to repay them at this rate. I will never be able to leave my parents ' home either to live on my own. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank Of America committed fraud with my personal financial information when I applied for a loan.We applied for a Lot loan in XX/XX/2006 where Bank Of America required us to state our income and have our employer verify our income-we did and they approved the loan.Without our knowing it Bank Of America altered the financial information we put on the application to obtain a mortgage insurance policy from XXXX naming Bank of America as the beneficiary in the event of a default.We were completely unaware of any mortgage insurance policy and it is not on any papers we filled out.Our income was stated on the forms as {$4500.00} per month and was verified by my employer.Shortly after we were approved for the loan an XXXX for XXXX contacted us and told us Bank Of America had altered the forms we provided to state our income as {$15000.00} per month and that amount had been verified by my employer.We told him I had put {$4500.00} per month as the income and it had been verified-not {$15000.00} per month.XXXX told us Bank Of America had altered the amounts on the application and submitted them with my signatures as an application for mortgage insurance.We are now in default on this loan and Bank Of America is anxious to foreclose so they can collect on their fraudulent insurance policy.They are attempting to get paid from the insurance policy from XXXX and after the foreclosure sale get paid again by suing us for their loss.We believe we paid for this insurance policy with our down payment without knowing it but have never had any mortgage payments covered by the XXXX of XXXX altered then used my personal financial information and signatures to obtain an insurance policy for them to be the beneficiary in the event of a default and are now foreclosing to benefit from the insurance policy.2.And if mortgage insurance was obtained using my information, that I may have paid for with my down payment, why was n't it purchased to protect me from losing my asset in the event of a default and why was n't I told about it?

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 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient 's customer service rep factually and legally misrepresented that I could not lower my monthly payment back to the minimum without defaulting on my loan, and he encouraged me to become deliquent in my repayment. Navient improperly applied a lump sum payment, when I was current and in good standing, in part to interest and against my express intent to apply it to pay down principal. Navient improperly applied late fees. Navient 's wesbite and account history is innacurate and misleading. Navient failed to adequately explain or disclose terms and allowed oral modification of the repayment, without providing sufficient explanation, in violation of the terms of the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 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: RI

Complaint narrative:
I attended the University of XXXX from XX/XX/XXXX-XX/XX/XXXX for my undergraduate degree. XXXX loan of my was private through XXXX XXXX, now Navient. When I completed my XXXX degree XX/XX/XXXX to a terrible economy I was allowed a forbearance and then a reduced payment. I was unable to find a full time job for 6 years. In the 3rd year I started working as a XXXX. I was making XXXX dollars XXXX. I had to XXXX to pay this loan each month, but I did it to keep it in good standing. I 've been working full time now, underemployed, for just over a year, and I declared bankruptcy to get rid of old personal debt. Clearly, I 'm struggling. As soon as Navient took me out of " bankruptcy forbearance '' they more than doubled the expected monthly payment. I called several times to ask for help. They took a " financial statement '' from me twice, each time they counted my income differently. XXXX stated I had XXXX dollars a month available cash to pay the loan and another stated I had XXXX. Neither are true. I am scraping by and unable to put anything in savings at all. I offered to pay what I was paying before the bankruptcy, and they refused. I pleaded with them, and I was told that they had done enough for me and now there was nothing more they were going to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 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: CA

Complaint narrative:
Im not 100 % sure that i was part of predatory lending but it does seem like a lot of people have issues with XXXX and XXXX. I for XXXX have tried to make payments to the vendor XXXX but due to being in and out of jobs it was difficult to stay up on considering having a family to take care of now and then it was just a burden to pay monthly payments. for now XXXX of my private loans went into default a few years ago, i currently pay a little payment on XXXX of the private loans which is probably a waste of time. my federal loans have not been paid since their inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14 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: GA

Complaint narrative:
Sallie mae is very sneaky, I thought I had rights that I did not have based on sneaky advertising practices, I was not aware they could collect debt even if I was still in school or collect debt while I was out of work. They would never work with me or set up a resonable payment plan because I was n't a " govt. '' loan. I was very confused about my rights and would have never gotten the loan if I had known I did n't have the rights. Also they sold my loan to a collection agency something I was not aware they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
This is my third complaint filing on Bank of America. The Mortgage Servicing Rules requires that a servicer credit a periodic payment from a borrower as of the day of receipt. Three checks were attached to print out from the online banking system and placed in the night drop on XXXX/XXXX/16 but not posted until XXXX/XXXX/16. I have asked three times that the payments be reapplied to the day of receipt. I have been told that BOA has 24-48 hours to post payments placed in the night drop. I have asked twice for something in writing with that information because it is not posted on the night drop or on my billing statement. Also, my privacy was violated. A BOA employee called my place of employment and told another employee that there was a problem with my mortgage payment checks that were left in the night drop. I did not get the message until XXXX/XXXX/16. I started calling the bank at XXXX to find out why the payments had not posted. I had to call the branch four times to get help with my payments. The manager was extremely rude and not helpful. Only after I persisted, did the manager ask the employee the problem with my payments. I am asking again that the three loan payments be backdated to XXXX/XXXX/2016. I will not use the night drop anymore. I have been treated badly by Bank of America and am very dissatisfied with their service.

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 2016-12-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TENET HEALTHCARE CORPORATION
State: SC

Complaint narrative:
They do not have any documentation in their files to verify the accuracy of these disputed accounts and they should delete them immediately as required under XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I filed for fraudulent activity on my account ending in XXXX for XXXX. Bank of america only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back

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 2017-01-31 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 been trying to make payment arrangements with Navient for months. Every time I call, I get that no one can help unless I guarantee how the payments will be made. They are rude and not understanding at all. Do n't they realize them bullying and belittling my situation is not helping the situation at all. I have been told that they will not place me in forbearance, not lower my payments and basically will not be working with me at all unless I can make the payment they are offering. I had a supervisor offer to take my interest rate to 1 % and extend the term of my loan, but he would not take payment unless I told him the method of how I was getting the funds to them every month. I told them that I was not sure but I would make sure the payment was made. He told me that he could not do it unless he knew for sure that I was going to make the payment on time every month. I feel like I am stuck between a rock and hard place. I want to make payments on my loans but I can not afford {$400.00} plus a month and be able to live and take care of my child. I explained that to them. They even told me that I am negative XXXX XXXX in my monthly income versus expenses. With them knowing that and still trying to increase my payments is ridiculous. I want to pay back the loans that I took out. Also, the loan amount that I actually took out from XXXX XXXX was a lot more with interest. I just wish at the time that the loans were offered to me that they really educated me about what I was getting into. The documentation that I read was a lot of jargon that was very hard to understand. The education that I got was not worth the headache that I am going through now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: NY

Complaint narrative:
With respect to the Income Based Repayment options offered through studentloans.gov, I have experienced issues, delays and problems every time I have applied or sought to renew or re-apply for Income Based Repayment through studentloans.gov. They make the application process over-complicated which I believe is intentional or at the very least, unnecessary. For example, I recently learned that my payment to Navient would double despite the fact that I filed for Income Based Repayment two months ago. The reason I was given was that I could not verify my spouse 's income which is laughable since my spouse 's income was imported directly into the application from the IRS ( I file jointly ). I would not have indicated that I could not verify my spouse 's income. This is the third time I have had issues related to my spouse and my application for Income Based Repayment. Rather than being reported in default and/or suffer the consequences of negative credit reporting, I recently paid the higher amount. This is a glaring example of how Navient and others extract money from borrowers and discourage income based repayment plans. I will attempt to discern how to rectify my current income based repayment issue through studentloans.gov ( I will have more issues next year without question ) but want to point out the questionable and deceptive lending practices. When I spoke with Navient today they were perfectly able ( through the " back office '' ) to determine the supposed problem with my income based repayment renewal application but did not offer to lower or adjust my payment for this month either now or when I rectify the purported problem. Rather, they point the finger at studentloans.gov and claim that my next payment will be lower if I go online and resubmit my IBR. Will see. Very convenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
A payment was due and received on my XXXX XXXX XXXX with Bank of America on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a " payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on BoA 's website, whereupon the person I spoke to started to tell me various things I could do to correct BoA 's website. 
Since I am not a BoA employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.

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 2015-04-02 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: KY

Complaint narrative:
I have had financial set backs over the course of 4 years. I have modified my quality if life to relieve my debt ; but these private student loan interest rates have made it impossible for me to pay and survive at the same time. I have been harassed by callers and by mail. The proposed payment amounts are unrealistic. The problem is the steep accruing interest -- not the original loan amount. I have paid my other bills, controlled my spending, sold furniture and took my daughter out of private school. These loans not only affect me, but yet another generation. The berating from the company callers is incessant and demeaning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 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: OH

Complaint narrative:
I attended XXXX XXXX XXXX in XXXX, OH from XX/XX/XXXX-XX/XX/XXXX. I had multiple issues finding a job as many others have. When I graduated in XX/XX/XXXX I owed {$41000.00} in loans. At this writing I owe {$39000.00}. It is astounding that in 8 years, I have only reduced my loans by {$2000.00}. The private loans, according to multiple discussions with XXXX XXXX then later Navient, are not eligible for deferment. You can get a forbearance on these loans but you have to pay {$50.00} per loan. And to be quite honest, I am not even sure I signed up for these type of loans. They were not explained to me at all and when I had questions about what I was signing, the financial aid advisor rushed me through the process. I paid {$160.00} a month for five years on my private loans on a graduated repayment plan. I have been paying $ XXXX monthly on my private loans since XX/XX/XXXX and {$130.00} on my federal loans when I could no longer defer them. I want it noted that I have never once went into default with these loans. I want it observed that the total payments I have made on my private loans alone, over an 8 year period and in the evidence I have submitted, is {$15000.00}. How have I paid almost {$16000.00} over 8 years? 
XXXX uses deceptive recruitment practices to lure students into enrolling to receive their federal financial aid. These students receive none of the valuable career skills for which they enrolled in the program and they leave with enormous amounts of debt. Subsequently, they ca n't find a job, they default on their loans, and taxpayers ' dollars are wasted in the process, all while these companies continue to profit off of student loan debt and federal financial aid. Only by my wife and I working together, and the grace of a higher power, we are not in the situation many people we talk to are in. I can not go to a regular school and get an actual valid degree because I simply can not afford to. This whole experience has left a devastating impact on me and I am afraid for my own child to go to college. 
I will not dispute that I owe the government money. I did go to school for two years. But I do believe I was deceived about the type of loans I had and the promise of the career path I chose. It was all lies and I have paid a heavy price for these lies. Again, over 8 years I have paid almost {$16000.00} for my mistake, more if you would like to count my federal loans. 
XXXX built an empire on broken promises and shattered dreams. And they used federal monies to do it. I feel I have more than paid for my degree and am requesting discharge of both my private and federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 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: MI

Complaint narrative:
I have a private student loan through XXXX XXXX, now Navient. My mother is the cosigner on the loan. I have been negotiating with Navient to reach a payment amount that I can actually afford. Today, Navient called my husband on both his cell and at his work number and left messages demanding I call them before XXXX or they were turning my loan over for debt collection. My husband is not listed as a contact for my account. I have no clue how they would have gotten his contact info, except for maybe a XXXX search. It seems like leaving a message regarding my loan is a violation of my privacy. Navient already calls me between XXXX times per day. In addition to that today, there was XXXX call to my mother and XXXX to my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am called multiple times a day at all hours ranging from XXXX to XXXX even though my loans are not in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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: PA

Complaint narrative:
Navient has been harassing me and my co signer for about two weeks now in regards to a payment. The issue is that their system is not allocating the correct money to the XXXX accounts hence why XXXX account is being over paid and another loan account is being shorted. Notes have been placed on the account and not XXXX person that works there has fixed this issue. The calls are about XXXX times per day per person, I have explicitly stated that this is harassment and they have told me they have placed notes to not call again but they still do. This is such a frustrated situation and I hope nobody and to go through this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-14 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: CO

Complaint narrative:
An agent approved me to use a credit card to pay off my students loan as long as it was paid off within 90 days. She stated the pay off amount would be honored for two weeks. I called one week later to give credit card info and the agent told me they were no longer accepting credit cards.

Company response to consumer: Closed with explanation