vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
Navient employee told me on the phone I could do the XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) at the same time without issue. I asked TWICE if there was anything that was going to make me not eligible. The employee said everything looked great and I was on track. Once Navient transferred my loan to XXXX XXXX to complete the XXXX just after XXXX was approved. XXXX XXXX said that I had to start over on the XXXX because I had already been awarded the XXXX. I am only XXXX payments into the XXXX when I was closer to XXXX before. Now, when I finally meet the XXXX payments, I will be almost paid off anyway ( about 6 months away ). This information about XXXX and XXXX is a little better explained NOW but a couple years ago when this happened it was not. I even talked with financial aid counseling and no one caught it until it was too late. The employee at Navient was not honest and I am literally PAYING for it. Anytime I try to write a letter to XXXX XXXX, they ignore my complaint and only say that I have to continue paying my loan to be eligible for the XXXX. The XXXX is not helpful to most XXXX anymore because the cost of college has gone up significantly. It should be either removed or allowed to be done with XXXX. Why not? If it 's going to be forgiven anyway, why ca n't it be done at the same time?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: MD

Complaint narrative:
I co-signed a huge student loan for my daughter. She is repaying, but the debt has RUINED my credit rating! What immediate or long term action can I take to get this off of my credit rating??? THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 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: CA

Complaint narrative:
I have been trying to get a loan mod for a home equity line of credit that I got before the XX/XX/XXXX crash ... Bank of America had sent me a letter stating they can modify it through a Government Program HEMP since I can not afford my house payment to go from XXXX to XXXX a month. For OVER a YEAR now they have been playing games and have done little to nothing even after I went to the Federal Government and they told me to just go on line and file the necessary paperwork and submit it to Bank of America .... They still continue to play games even after I was told by the Federal Government that if I do n't qualify for the program NO ONE DOES! I am now at the end of my rope and the bank is raising the mortgage on XX/XX/XXXX which is after the Federal programs expire from what I 've been told ... I suppose me and my family will have no choice but to stay and fight when they come to evict us ... A sad epitaph for a former Elected Official and person who has ALWAYS PAID HIS MORTGAGE on time to a bank that was BAILED OUT with XXXX of Our Tax Dollars!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27 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: MO

Complaint narrative:
I have been attempting to refinance or settle my loans for years. I have sent letters, called, faxed, and I keep getting sent to different departments or phone numbers, all of which direct me back to Navient. Navient will not help me. They claim they have no record of correspondence I have sent, even though I have confirmations. I requested new payment arrangements, they put it in forbearance, which led to HUGE increases in interest. When I was unemployed, they did nothing about income based repayment, but deferred it and charged 9 % interest. Now, my {$15000.00} in student loans are up to {$40000.00}. I have tried to discuss income based repayment, but have gotten no where. I have tried to settle the loans for a lump sum, but first they told me they were processing it. Then, they told me they had NO record of my request. Then I was sent to the Federal Student Aid department who told me they had nothing to do with this. I work for a non-profit. I have been there 6 years. I could be through a large portion of forgiveness, but i have been forced into forbearance and deferment to my detriment. I have been lied to, misdirected, poorly advised, and given different answers every time I call. I want to make a settlement on my loans, refinance them,. anything. I am XXXX years old and I can not go into retirement with loans at 9 % of {$40000.00} when I borrowed only {$15000.00} and graduated in 1996. Please give me direction as to WHAT I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This afternoon I received a call from a Navient representative who called herself XXXX XXXX. She was calling regarding a missed payment. A few months ago Navient took me off an income only repayment plan and my monthly payment doubled. I was unable to make the new payment so I have been sending as much as I can per month. Apparently that makes no difference. When I told XXXX XXXX that I had not paid because I did n't have enough money in my bank account, she was incredibly rude and short with me. When I said I only had {$400.00} in my account she asked me why I could n't afford to pay at least {$300.00}. Then she asked if I was employed. When I said yes she asked me if I had a job they why could n't I make the payment. She asked me what had changed that made me unable to make payments. My payments doubled, that is what happened. She was incredibly rude and treated me like a criminal when I am in fact sending payments, just not the full amount. She made me feel awful and embarrassed. And this all happened at work, so everyone could overhear me defending myself, then arguing with the woman and finally crying. Private lenders need to offer income based payments like the Federal government does.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence in XXXX of XXXX, which was located at XXXX XXXX Ct XXXX XXXX, CA XXXX. The property was foreclosed upon in XXXX. The last payment activity on this account occurred in XXXX and has been reported in our credit file for 7 years. Per the Fair Credit Reporting Act ( FCRA ) negative information must be deleted from our credit report after 7 years. Please remove this account from our credit file and stop reporting the information as it is past the 7 year reporting period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I had to use forbearance. I was n't told about lower payments. My payments went from around {$80.00} a month to over {$300.00} a month. With the interest like it is, I do n't feel like I will ever get it paid off. Plus I ca n't really get any answers. I realized I 'd be paying back more than I borrowed but not over three times the amount. A student loan should n't be how many times higher than a home or vehicle loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: TN

Complaint narrative:
i am really concerned i went to college for XXXX semesters on the XXXX semester i was informed by the school my loans didnt come through so i would have to pay out of pocket so i quit. 2 years later XXXX contacts me and tells me i owe them money which i knew but also said i owed for the XXXX semester when i asked for what they send they sent a check to me now i did not receive that check and i went to the school to ask and they said that it was sent to a XXXX party hence they could not give me the name i had to contact XXXX i did and they said it went to the school. well for the last 8 years they XXXX have taken my taxes in the amounts of XXXX. XXXX, and etc now my loans were for all together XXXX it is now XXXX i had gotton a letter from navent which is i guess sallie mae and they said i still owe XXXX when i went on the website it sais i missed a XXXX payments they have never sent me a thing on how much a monthly payment would be. i took action with the department of education in XXXX to help rehabilitate my loans and get this scquared away so that they dont take my taxes in XXXX that is what i was told if i paid this act company they wouldnt take my taxes and the new company would send me a booklet of payments i have not received anything but this letter today. i have been on hold for 2 hours and 8 minutes i finally got to someone who send they couldnt help me and directed me to someone else that could help it is now XXXX oclock and ive been on hold from them since XXXX and now they have hung up i called back to only receive another recording saying it will take another 30 min. all i want to know is what is going on with my account and why they have no record of the irs taking my money and sending it to them i have documents saying it was paid. now on nevents site it sais i owed XXXX in XXXX but i never got anything saying this was the company i was supposed to send money too. i have talked to numerous people about this company and everyone has said the same thing customer service workers there will not answer your questions and some people have paid money to this company to find out when they check their status that it was not put into their account. so where is all my money going to if its not being paid i just want to pay my debt but every place that has asked for money for XXXX and i pay it has not went to XXXX its always XXXX parties they are scamming us and it needs to stop. so please i need them XXXX or navent or someone to call me this is very frustrating not to mention they want to garnish wages but yet i dont know if this money is actually goimg to XXXX because i stilll owe all this money in which i didnt even get to finish college for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My account with Bank of America is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report BANK OF AMERICA TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. bank of america states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
A law office has been contacting me up to XXXX times a day about me owing money to a school since I had taken out a loan and did n't finish the semester. Things happen in life and I obviously do n't have the money to pay the entire amount of the loan at this time or even an eighth of the amount. If I had that type of my money then I obviously would have just paid the tuition out of pocket rather than taking a loan out. All my other school loans are in deferment due to unemployment. This guy " XXXX XXXX '' talks very rudely to me and even had the nerve to ask me if I had any family or friends that could pay this " problem '' he referred to it being. I 'm tired of getting these rude and very unprofessional calls daily. I would like to not be contacted again. I know I owe the money and once I get a job and get stable in life then I will pay on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.

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 2015-06-05 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: IL

Complaint narrative:
I went to XXXX College in XXXX XXXX XXXX XXXX I attended for 2 and 1/2 year and graduated with a XXXX Degree in XXXX XXXX. Upon graduation I struggled with finding a job in the field with the economy in the state it was in ( XXXX ) and the lack of education I received from the college. I learned in the XXXX world that the education I obtained was sub-par at best and in most cases did n't meet XXXX standards for an XXXX position. The lack of education was due to the college " cycling out '' the program I was enrolled in so they pushed for all of us to graduate earlier than predicted upon enrollment. Furthermore, they used teacher who were not certified/qualified/educated enough to teach these core classes at a college level. I decided to pursuit a XXXX Degree at XXXX in XXXX and was advised that XXXX college was not regionally, nor nationally accredited. Therefore, my credits earned and paid for were irrelevant and, I would have to start from scratch. In the meantime I had to start paying back my XXXX XXXX loans which where quite hefty in cost. After breaking down the math I was paying a little less than the interest charged each month, therefore I could never move forward in paying off the loan. Due to the economic hardships I was forced to place my loans in deferment and/or forbearance in order to afford the other bills and living costs I had. In it 's current state I still pay more per month for my loans than I do my home loan, and the amount of interest compounded each month, will make it nearly impossible to pay off this debt. I have been paying off this loan since late XXXX and I currently owe over {$12000.00} more than my initial balance due to these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I have been paying my mortgage for 15 years automatically from my bank. My escrow amount increased in 2017 so my electronic payment from my bank went out on XXXX XXXX for my XXXX XXXX Mortgage payment before I increased the amount. Obviously my XXXX payment was less than the expected amount and since it was made in XXXX the bank assumed it was an additional payment and applied it to principal. I later called the bank and paid the difference for the new escrow amount and they told me they backed out the prinicpal payment and applied both payments. They removed a late charge and all seemed fine. I got a call this morning at XXXX XXXX saying they never received my XXXX payment and it is more than 30 days late. I logged on to my account and I have paid both XXXX and XXXX 's mortgage payments in full yet they are claiming I have n't paid XXXX 's either. While this may be an honest mistake they have now ruined my credit which was XXXX before this but because they seem to think my payment is 30 days late they say they will report it to the credit bureau. I have XXXX new young children and am currently shopping for a new mortgage to get a bigger house. This obviously hurts me a lot as my stellar credit is now not so stellar. I think they need to be held to a higher standard when they have such power over peoples lives and I do n't actually think it 's an honest mistake. So just to summarize I have made both XXXX 2017 and XXXX 2017 mortgage payments in full and on time but they claim I am 30 days late on XXXX 's payment and that I have n't made XXXX 's payment. How is that possible when it shows on their website that they have received them. I think bank of america has shown in the past that they do not have the consumer 's best interest in mind and they have been reckless.

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 2016-01-12 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: GA

Complaint narrative:
I received loan for my daughter that was cosigned by my parents which my parents paid off. Before they completely paid loan off they had filed bankruptcy and there was only approx. a {$1000.00} balance left to pay off. While filing they agreed to continue to pay the remainder balance which they did now Navient which was previously XXXX XXXX are trying to charge me for the intial loan that has already been paid off. They have received legal documents showing that the loan was paid off and they still refuse to clear my credit report with the false claims they put in my name trying to receive over {$8000.00} for account that was completely paid off. They removed my mothers name from the account and produce an account with my name on it only charging me the whole balance of the initial agreement that was already completely paid off by me and my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 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: TN

Complaint narrative:
I was a young naive XXXX XXXX XXXX. I attended XXXX, XXXX, XXXX and XXXX. At all of these institutions I was encouraged to take the maximum amount of both federal and student loans and do not have a degree. At XXXX I was encouraged to take the maximum amount allowed on both federal and private by a Financial loans Specialist named XXXX. She would ask for money for helping us get the most money we could. We all would get at least XXXX XXXX dollars after loans payments were disbursed. This was happening for a high number of us attending the location in XXXX TN. I am now XXXX old no degree and over XXXX in federal and private student loans.

Company response to consumer: Closed with explanation