vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-26 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: MD

Complaint narrative:
Navient Private Credit is trying to collect a student loan from me for {$47000.00} for a student loan at a campus I did not attend. I attended XXXX XXXX XXXX of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, but I have Stafford Loans for those accounts listed on the NSLDS, which are valid. Navient Private Credit and its collection agency for the loans, XXXX XXXX, sent me a settlement offer for {$13000.00}. The problem with the settlement offer is that they provided no proof that I actually took out those loans, and the settlement offer says I went to XXXX XXXX XXXX XXXX XXXX, XXXX. I have never been to XXXX and certainly did not attend XXXX XXXX XXXX there. Navient has yet to respond to my requeest for validation and are continuing to report negative items for a debt where there is serious doubt as to whether it belongs to me in the first place. The collection agency XXXX XXXX is n't sure how to proceed and continues to send threatening letters to me in reference to the debt in questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 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: MA

Complaint narrative:
I was attempting to attend XXXX in 2007. I was told I qualified for financial assistance. I was not told that it was student loans. There were many papers I was told to sign but I did n't fill any of it out, just told that they were all for administration. Now I have received paperwork for a private loan I did n't know I had that XXXX had taken out in my name for classes that were not attended. I had consolidated all of the loans that I was aware I had from Sallie Mae into the XXXX program. Now I am being sued for a loan I had no idea existed. I called the company holding the debt now and I have n't been able to find out when the loan went into default. I only have the original application that was n't filled out by me. Now this lawyer 's office wants me to come up with a pay off amount of over {$4500.00} in order to stop the process of them suing me. I do n't have that kind of money for a loan I did n't know existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My wife and i went to Bank of America on Saturday durring regular business hours and they refused to close my accounts because i didnt have an appointment. There were tellers available and no reason for this to not be done aside from their desire to collect fees. The manager and teller were extremely rude about this. Managers name is XXXX XXXX and had an appalling attitude and disgusting service level.

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 2016-08-09 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: TX

Complaint narrative:
I have both a private and federal student loan with Navient - formerly XXXX XXXX. The loan that belongs to my daughter ( for which I am a co-signer ) is {$520.00} per month. We have it set up through Navient as an automatic monthly payment. On XXXX XXXX, we called to change the payment to {$320.00} on XXXX/XXXX/XXXX. ( We only changed the amount from {$520.00} to {$320.00} ). We thought we accomplished this with no problems until the day the payment was taken out. On XXXX XXXX, XXXX they debited via their check an unauthorized payment from my account in the amount of {$520.00}. Then on XXXX XXXX, XXXX or XXXX XXXX, XXXX they debited an additional {$320.00} from my account, unbeknownst to both me and my daughter ( student on the account ). We did not learn of the second debit until calling to obtain a refund in the amount of XXXX from the payment that was processed on XXXX XXXX, XXXX. We have called XXXX XXXX, XXXX, XXXX, XXXX, and XXXX to obtain our refund of the additional {$320.00} as well as the first {$200.00} from the payment taken out on XXXX/XXXX/XXXX only to be given erroneous and varying information regarding when we can expect to see the funds returned to my checking account each time we call. We have the customer service agent phone number and ID as XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX along with a Rep named XXXX, his supervisor and several other agents that we have spoken to in trying to obtain a refund - at this point totaling {$520.00}. 
Basically, they have given us the run around for several days. We have asked for this to be processed all the way up to their management only to be denied our refunds. We have asked for them to expedite the refund. 
This is clearly a mistake on their part where they have double debited my account and refuse to correct the problem. Management refuses to speak with me about the refund and the refund department refuses to speak with me about refunding or reversing the charge after several attempts. 
In reviewing information on the web, apparently Navient has a history of fraudulent and unscrupulous activity related to customer accounts. Please help me in resolving this situation. 
Please excuse grammar, punctuation, syntax and spelling. This is an online form with limited visibility and it is very tedious to type using these small forms. 

Address given on the website : General Correspondence & Submitting Documents Navient XXXX. XXXX XXXX XXXX, PA XXXX Or Fax Documents - XXXX : XXXX or XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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: CA

Complaint narrative:
My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You XXXX XXXX

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 2015-07-01 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: NY

Complaint narrative:
I was making regular monthly payments to one of XXXX XXXX collection agents. Then Navient took over, stopped the payment and I began receiving numerous threatening phone calls. I filed a complaint with the Better Business Bureau, a Navient advocate responded & said they would respond to me personally, which they did after a very long time. This man phoned me, but whenever I tried to get back to him, he never picked up and he did n't return my voicemail messages. The BBB case was closed, unsettled but put on file. After this, I began receiving threatening calls from the same nasty female Navient rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 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: FL

Complaint narrative:
Co-borrower on XXXX private student loan and the debt is past due. I have made several attempts with the lender to adjust the payment amount but they wont do it. I sent a cease and desist letter to the lender to stop all calls unless they were taking a specific action on the accounts. They are still calling after receiving my letter. 
They called on XXXX/XXXX/2016 at XXXX XXXX from XXXX and I told them I had a cease on all calls. They said they can continue to call. 
They called again on XXXX/XXXX/2016 at XXXX XXXX from XXXX and they were told to cease all calls because the letter is on file. They still refused to stop calling. 
Received another call from XXXX on XXXX/XXXX/2016 at XXXX XXXX from XXXX, XXXX # XXXX, and I told him to stop calling because I have a cease letter on file. He said they can continue to call. 
I called the same phone number back on XXXX/XXXX/2016 and XXXX, Emp # XXXX, answered and I had a discussion with her about ceasing all calls. She said that only applies to automated calls. She hung the phone up. 
I called back again on XXXX/XXXX/2016 and XXXX answered the phone. I asked to be transferred to a supervisor and he would not answer my questions or transfer the call to a supervisor. He eventually said a supervisor would call back. 
A supervisor called back and said that the Fair Debt Collections Practices Act gives them permission to still call even though I have given them a written letter to stop calling.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am have been making payments to Navient private loan company.They incorrectly reported to credir bureau affecting my credit greatly even after trying to make better affordable payment arrangement because i am still in school. I have asked about ways to reduce payments, balance, and interest. I am constantly being charge to set up forbearance or interest reduction without sufficient evidence why or where the money goes. They falsy advertised on website for loan settlements with payment plans and told me I have to pay the full settlement in one payment. They are charging large late fees and increased interest and harassing me with collections by phone and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: MD

Complaint narrative:
I had fallen behind on my loan and reached an agreement where I would pay them $ XXXX month for XXXX months and the payment would be directly withdrawn from my account each month. I checked out my credit report and I noticed that the payment deductions had stopped. When I contacted them they stated that I had no agreement with them and now my account is back in collection and messing up me getting employment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
My family and I have lived in XXXX county all of our lives, and I purchase my home, planning to stay here my retirement years. Like you I actively participate in my local community, by volunteering my time at our local hospital, school and homeless shelters, But now I 'm the one needing help, I face losing my home to foreclosure and may end up on the streets. I am a good citizen and hard worker that has fallen on hard times. My loan servicer, Bank of America closed the door on communication when I tried to get assistance on my mortgage. I was completely shut down while I was making my trial payments. I am now in a situation where I am holding on to my home by a thread, when all it would have taken was a little bit of effort on the part of Bank of America to provide me access to available assistance programs for homeowners. It has been a very difficult time for me as I struggled to get back on my feet financially and attempt to save my home. 
I 'm a victim of the mortgage dot-com bubble burst, housing market crash. I began struggling financially and took a toll on my health. I was laid off from work, and during this time my oldest son and nephew moved out. I was diagnosed with XXXX and XXXX XXXX. I 'm under treatment and medications. 
As the mortgage Industry collapsed, the work slowed and then stopped in 2008. I was laid off, collected unemployment. After my UE benefits exhausted, I had to take other jobs that were stable, but paid less than I was use to making and could not keep up with my mortgage payments.I reached out to Bank of America for assistance ; I was wrongly advised by Bank of America representative by recommending I fall behind 90 days or more in order to be reviewed for help. They review and qualified me for a loan modification options. I made my payments for 5 months, and due to the improper communication, Bank of America disqualified me and pull me out of the program. My loan should have been review for a permanent loan modification or retention options after the third payment. 

Bank of America has refused to work with me on my loan and I feel that I need my issue elevated to an executive level. I have been able to speak with above the line staff level and I was hoping your office could intervene and get me someone who could take my matter seriously and speak on my level. I should have never had to go through the difficulties they put me through and it looks like they got about XXXX to help homeowners. It appears that my loan qualified for government modification programs when I reached out to them in the past. Now they are trying to take my home away through foreclosure. It 's their fault that I am so far down the road and behind on my payments because they should have helped me years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am in line for a modification from Bank of America. I was in a trial basis for three months, it has now been extended to seven months. I was told after three months I would receive my paperwork, It haws not happened. I am in line to get property tasx help from the State of Michigan and my approval by Bank of America XX/XX/XXXX. They keep stalling me, ev ery week it is a new target date as they are behind in their paperwok. I have sent XXXX e-mails to XXXX XXXX XXXX, but to no avail. Why would he respond to me I am just a little person. I am XXXX years old and on a fixed income. I do not want to b e homeless because of property taxes that are over due. i need desperately need help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
We are in the final stages of a 30 year fixed rate conventional mortgage underwriting final approval with Bank of America ( BofA ) for a home purchase. At origination on Mon, XXXX XXXX, 2016, we were given the option of whether or not to escrow property taxes and homeowner 's insurance as part of the application process. When we asked mortgage loan officer XXXX XXXX XXXX ( NMLS ID : XXXX ), " Does it matter? '' XXXX XXXX replied, " No, it can be done either way and you can always change your mind later. '' When we shared that on the current BofA mortgage for the home we would sell only real estate taxes were escrowed, XXXX XXXX stated, " Ok, I 'll just go ahead and set it up now for XXXX and we can revisit it later. '' Today, obviously later, concurrent with requesting the " binder '' for submitting to XXXX BofA and our attorney, we decided we did not want to escrow homeowner 's insurance and as such informed XXXX XXXX via e-mail. He replied via e-mail, " Please be advised that your change in escrows will results in additional points to your loan. Please confirm you still would like to do that. '' To which I replied via e-mail that I had read and re-read all of the forms and disclosures and could n't find any reference to said increase and asked where it was written and how much the additional points were. XXXX XXXX then replied, " It is not written but it was change pricing by XXXX points '' ( please note the quotes are cut and pasted directly from XXXX XXXX 's e-mails and not edited by me ) In a subsequent exchange of several e-mails I requested that given that increase was nevere disclosed it should be waived and requested such, XXXX XXXX wrote via e-mail, " The XXXX points will not be waived and we will proceed with the loan as currently configured ''

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 2015-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: UT

Complaint narrative:
I am not sure if you guys can pull up an old file on your end. I opened a complaint roughly in XXXX of 2013 regarding to State of Ohio Office of Attorney General. They were sending simple letters with no proof of validation of the debt I supposely owed. This was also, I believe through General Revenue Corporation as well. They are both combined. 

Well here I am again. State of Ohio Office of Attorney General had made another comeback for what I do not owe. I do not have a clue. I have already sent them the validation request for the XXXX time and I am sure they are not going to provide that. XXXX times of trying in the past. Seems to be cumbersome to do this again. This is causing stress, problems with my family and friends. If you can pull up the old file, that would be great. I will try to find the old case number for it and see if you can pull it up, if I am lucky. 

I have already talked to my Attorney General and he said if it happens again, I can let him know. Which has been hard to get through sometimes. 

Also, the letter has provided XXXX different addresses including Ohio State and General Revenue. Which seems to be surprising. 

Why is it so dang hard to just give me the original paper work? I could admit to it if its mine, or deny it. Just giving me numbers to call, a balance owed and an account provided does n't help me. 

I feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: CA

Complaint narrative:
When I applied to go to school at the XXXX XXXX XXXX XXXX in 2006. I chose to shoot for a XXXX degree in XXXX. I did n't have any job at the time and living with my parents. After applying I was immediately accepted and offered a starter pack of all types of art supplies to begin my " journey of learning and creativity '' It did n't dawn on me until now as I look back and see how friendly the staff was when they had me signing all of this papers for loans. as I attended classes which I constantly questioned my self if they really related to what I was striving for. I constantly was called in the office to sign paperwork for " tuition '' which the staff assured me I would not have to pay back. 
After two years of racking up debt and attending mediocre classes with pessimistic instructors, I was called in the office with a counselor and was told I could not attend the school anymore that I needed to go get general education classes somewhere else and return in a year to reapply to the XXXX XXXX. Wait, what. Not knowing better I discontinued going and went on with my life I left it at that. I began to work and became a productive citizen. After a year of being kicked out I began to receive call from collection agencies about this loan. I was unable to pay rent at the time let alone student loans. After the years have gone bye and applying for deferments and forbeance I find myself with all this debt I certainly was not aware it would blow up like this. After doing research and knowing the XXXX XXXX has been involved in many predatory lending I strongly believe I have been a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have waited several days to see if I get resolve for this unauthorized transaction to my account of {$210.00}. I hate filling out complaints, and claims because it 's embarrassing and as a customer of such a big bank like Bank Of America it should be easy for them to refund me my money, and because I am a loyal customer and so is half my family. I call numbers back and leave messages and I get now call back of follow ups! No, money had been returned and my bills keep coming and I am negative {$2.00} cause of this. If I had thousands I would n't complsin, but I still work hard at XXXX yrs old to make ends meet and I ca n't afford these types of things to happen to me, because they cripple me financially. I just want my bank to support me in times like this, because we are their customers and keep them going!! Why have a bank if they give you the run around, or just do n't help when you as the customer really need it. Sad this bank and their ways.

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