vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have had my student loans through XXXX and now Navient since 2006! My loans have collected interest over time at an alarming rate, due to my inability to pay them, despite several attempts to get on some sort of affordable payment plan. Despite my attempts at paying something affordable, I have never been told my options for affordable repayment. Navient/XXXX has harassed me by repeatedly making phone calls to me regarding my loans, repeated phone calls daily to my cell phone during working hours, calling relatives, even going as far as to contact my brother 's wife 's mother- whom I do n't even have her phone number!!! Navient told her information about my account being past due and even continued to call after being asked to stop. I have no idea how they obtained her phone number! I have asked repeatedly for help on these loans but am only given the option of forbearance, or told if I wanted to get on a repayment plan I had to pay over {$1000.00} right away in order to do so! I have also been forced to pay the. " Right away '' in order to get my into forbearance. They have also asked if I wished to place my accounts into forbearance through automated text messaging, without first validating any personal information about me or my account. This company has prevented me to ability to purchase a home for my family, leaving the XXXX of us stuck in a XXXX bedroom apartment. I am sick of the unprofessionalism, the impossibility to be able to ever pay back these loans, the unwillingness to work with me to lower payments and the constant harrassment!!!! I will likely never own my own home just because I wanted to get an education and have been lied to and coerced and mislead by a company I had trusted with what is now {$80000.00} of debt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
BREACH OF CONTRACT and DECEPTIVE BUSINESS PRACTICES BY BANK OF AMERICA. When I opened a Small Business Checking account with BA, I was advised that as long as I make commercial purchases with my ATM VISA card, there would be NO monthly charges applied to my Business Checking account. Basicaly I was promissed a total FREE SMALL BUSINESS CHECKING. Subsequently, I noticed on my statements that despite the above promiss of a FREE CHECKING ACCOUNT, the Bank began to charge me a {$16.00} monthly service charge despite the fact that I was using my VISA Business Debit Card to make purchases. When I bought this matter to the attention of the XXXX XXXX Branch manager, she apologized and refunded all the $ XXXX-charges. Despite the corective action taken by the branch manager, a few months later Bank of America again started to reinstate the $ XXXX-monthly charges, in violation of the Agreement and they have been illegally ading the $ XXXX-monthly service charge for the past 5-months. In fact they did the same deceptive practice with my personal checking by charging me {$3.00} monthly fee for Check Image service, despite the fact that I have signed up for paperless account service. When I complained to customer service, again they apologized and refunded the illegal service charges. The actions I just described above is a CONSISTENT PATERN OF FRAUDULENT AND DECEPTIVE BUSINESS PRACTICES and BREACH OF CONTRACT by WILLFULL MISCONDUCT by BANK OF AMERICAN INC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
Unknown withdrawal from my account for {$220.00} send through XXXX. What do I do? I believe someone has access to my account. Will I be able to review a refund?

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 2016-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have requested XXXX and Navent to reduce my student loan payment but this company refused, I have filed several time ( papers ) and submit them to NAVENT and XXXX, certified, but the refuse to process! They will wait several months and delay payments. But refuses to process my paper work to reduce paper due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: CA

Complaint narrative:
I was told that forbearance would stop my interest from accruing, which Navient told me upon setting up forbearance, in return my loans have gone up thousands of dollars since I have entered forbearance as well as deferment. No one ever discussed options for repayment including IBR. I am getting no where with Navient except threats that now I will be forced in default is I can not make the required {$500.00} payments and I am currently unemployed to boot. I am considering bankruptcy at this point my loans are {$49000.00} for an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This debt is a bounced check with Bank of America. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently? 
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information

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 2015-11-03 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:
Account is still being credit reported after I received letters stating that they would be removed. Also received checks because if a lawsuit for this same thing and its happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a notice from Bank of America : " On XXXX XXXX, your checking account will change to a Bank of America Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : " Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Bank of America where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Bank of America has created a criteria to avoid a fee but does not make the information available to the customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has executed a robo signed real estate document related to this account. However, there is no County Recorders Office record of the document. When I brought this fact to the attention of the single point of contact and requested a certified recorded County Recorders Office copy my request was ignored. Bank of America only response was to state that there is no requirement all real estate loan documents be recorded unless the bank intends to collect on any default through foreclosure. 
Fast forward to today, this document is now more than five years old and unrecorded. 
Bank of America has now caused to be recorded a Notice of Default and Election to Sell with California Declaration and a Substitution of Trustee on a now defunct Deed of Trust where no consideration has been made, accepted, or applied to the associated home loan mortgage account since XX/XX/2009.

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 2017-03-10 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: TX

Complaint narrative:
In XX/XX/XXXX, I spoke with a representative at Navient and explained to them that I needed to put my payments on hold because my husband had been XXXX and therefore my income was the only meand of finances we had for a family of XXXX. I was told by Navient that my payments would be deferred for 1 year. However, in XX/XX/XXXX, I received an email stating my payment was due on XX/XX/XXXX. I called and spoke with another rep to find out why because I was previously told that I did n't have to make a payment for 12 months. I was then told that I was only given a 3 month forebarence and I could apply for repayment options to lower my payments based on my income. This made no sense being that my payments were already based on my income. I needed to defer making payments because I am now down to one household income with my husband not being able to return to work and I am now the only means of income for my family. I tried applying for another forbarence online, but Navient denied me because I work full time. Before I can be approved for deferment, I have to submit my XX/XX/XXXX taxes, check stub, and a letter from my employer. I am highly upset at the misinformation I received and the lack of assistance from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America did not record the satisfaction of mortgagee on a property we purchased in 2004, which is now holding up the sale of our home.

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 2016-10-12 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: NY

Complaint narrative:
I have XXXX accounts with Bank Of America and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old

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 2017-01-26 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: GA

Complaint narrative:
I am contacting you due to several issues with Navient. I took a break from school several years ago. When I took a break I called my loan company to discuss payment options. Over the years I learned that I was never given all of my options to repay. I have a file of late payments due to insufficient payment options that worked for me. After some time I was told about the deferment program which I am currently on. I have not been able to renew on time every year because Navient never contacts me in advance to renew before the deferment ends. I have been on the program for years and the renewal is never updated on time. I have contacted Navient so many times since I am still unemployed with XXXX children. I even consolidated my loans because I did n't know what else to do. I 'm unhappy when I look at my credit report and Navient still shows all the old accounts separately when though the loans have all been consolidated. I 'm so lost and broke. I research to learn how to handle my loans on my own since Navient customer service is n't all that great. With no income how can I afford over {$700.00} a month in student loans alone. How can I feed my children? We have been homeless several times but Navient does n't care. I should be halfway done with 10 years with the IBR but does it count if I do n't renew on time? Is this Navients way of keeping me in a hole and preventing me from reducing my debt by end of year 10? Is there someone else I can talk to? Will the other accounts be removed from my credit report since I consolidated my loans? Is there any help for individuals with children, no job, bouncing from house to house just to make it? Now they are being sued because others are experiencing the same issue nationwide. How will this affect me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
Syndicated Office Systems formerly ( Central Finance Control ) is reporting a medical account on my credit report to XXXX that was discharged via Ch. XXXX in 2011. They initially reported the same account three different times. I have sent via certified mail a copy of the discharge and XXXX page but they continue to report the account. At present they are reporting the account as XXXX separate accounts to XXXX. I have repeatedly asked for them to provide proof of a valid debt and date of service to no avail. There is no valid or actionable debt as the debt has been discharged by Judges Order in the 2011 Bankruptcy. This false and fraudulent reporting is preventing me from being able to refinance my home in order to lower my present interest rate.

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 2016-03-29 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:
XXXX paid off our federal student loan than we were told we owe a loan to a private company Navient, we have tried to make arrangements to make payments but were told they would only accept the full amount yet they keep posting on our credit that every month were late with payment, damaging our credit is this legal for them to do this if not could you please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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:
I have contacted all XXXX credit bureaus to remove incorrect credit reporting data from my file. The account in question has an approx balance of XXXX. I have, with success been able to get the incorrectly reported information removed from my XXXX file. The item is no longer listed due to my not being liable for the loan. The loan is a joint loan that liability should be listed as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I do, however have XXXX Consolidation Federal Student loans ( Exhibit A ) that are currently in a hardship deferment. I have contacted Navient to have the inaccurate listing as it is affecting my " creditworthiness '' and I would like the inaccurate data removed. There is negative payment information that has correctly been reported to my parents XXXX XXXX and XXXX XXXX. 

Enclosed is the student loan detail from Navient website confirming the following : 1. Shows my father " XXXX XXXX '' as the borrower 2. Shows the school attended as XXXX XXXX University XXXX. Shows " XXXX XXXX XXXX XXXX '' as the student associated/attending the learning institution " XXXX XXXX University ''. 

XXXX credit file showing the item has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was approved for a trial modification that had payments due XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 with Bank of America for my second mortgage. I made all XXXX trial payments on time and they never finalized my loan modification. I have not received any paperwork or letters advising me what is going on. I hired an attorney and my attorney states Bank of America when called simply hangs up on the line once the computer system identifies my loan. Today is now XXXX days since I finished my trial and they took {$3600.00} from me and now are not responding to my request for a final modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 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: OH

Complaint narrative:
I first called before my loans were due to be paid. I was seeking information about my repayment options knowing that my payment would likely be more than I could afford. I was told the only way to discuss repayment options is to let my loans be late on the first payment. I verified verbally what the representative was saying to ensure I was not misunderstanding. I then called back after my payment was late and was told that the only option I would have is forbearance. When I asked how that worked I was told I would pay {$150.00} and then I would be in forbearance for 12 months which would allow me time to save for my payments once they started again. I called back to make the {$150.00} payment in XXXX and was told I needed to not pay the loan that my co-signer is on with me so that it could be included in the forbearance. I asked if I did n't pay the loan with my co-signer on it if they would then be contacting him. They advised they would not. Th4ey contacted him anyways. I then called today to do forbearance and was told that it will only bring my account currant and that I am expected to make my full payment amount in XXXX. The only other option I was provided was that I could extend my loan from 15 to 30 years and pay {$200.00} less a month. My current payment amount for my private loans is over {$1300.00} a month so {$200.00} less was n't going to help much and it would extend my loan to two times as long and they would get two times the interest. Every time I call I get a different answer and no one can explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
BOA sent me a modification letter becuase of my military service which I beleive was driven by their prior settlemetn with DOJ. I signed form and submitted it along with payments as instructed. After BOA automatically took out XXXX payments they stopped and when I called to ask what happened I was told I was in modification and could not make any payments. Since then BOA has not allowed me to make any payments and everytime I call they tell me they want new info etc ... Once I send the information I will keep getting mroe requests for more information until now they have initiated foreclosure. I am XXXX military and XXXX so it is on hold. I also have hired a lawyer but ti does not seem they have gotten anywhere with BOA either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: CT

Complaint narrative:
I have been enrolled in " income-based repayment '' since graduating from school and beginning repayment. When possible, I pay extra money after I submit my required monthly payment. I have spoken to people at Navient multiple times ( by calling their customer service department ) and was told different things by different people. In my opinion, I would have thought the EXTRA money should have been applied to the principal of my loan -- - however, I believe it never is. I make my payments online because the phone system is too cumbersome and time consuming to use on a monthly basis. 

My school is not listed below -- it is the XXXX at XXXX ( in XXXX, MA )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 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: CA

Complaint narrative:
Pre-recorded messages are being left on our answering machine. We have had this number since 2004, and we have no outstanding debts. Other debt collectors call our number asking for people we have never heard of who perhaps had our phone number prior to XXXX 2004. The recording identifies this company as " Municipal Services Bureau '' with a phone number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: The CBE Group, Inc.
State: IA

Complaint narrative:
I just received a certified letter from the XXXX XXXX Sherriff office that CBE Group in XXXX , IA is garnishing my wages. I do not even know what this is for or about. I did have a bill with them for {$17.00} which I have paid XXXX times. Yes, XXXX times with them. I have not gone to court with them recently to even have a verdict to garnish. The attorney is XXXX XXXX out of XXXX, IA for the CBE Group. I tried to call the CBE Group to see what this is about, but at XXXX CST their phone lines said that they were closed. Their phone line also stated that they close at XXXX CST. I also just pulled my credit report and no where on any of them is CBE Group on there. I have n't even received a bill.

Company response to consumer: Closed with explanation