vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-17 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: IL

Complaint narrative:
I was told it would be good to consolidate all my loans. I asked for reasons why I would not.I had about XXXX different student gov. loans ( mine ) and XXXX Parent plus loan ( for Daughter ) They explained but left out the part about the Parent plus loan ( which was XXXX of about XXXX loans that I had been paying XXXX dollars a month on ) screwing me out of an income driven plan for ALL of the loans. They sent me a letter and told me I had 10 business days from the date of the letter to change which loans to go into consolidation. I got it on the XXXX business night. I called immediately seeing the horrible number I can not pay on the XXXX day. She said, and there is record of it, that she told the consolidation team to take the XXXX parent plus loan out. It did not happen. I get the notice by email that I will pay XXXX every month until I die. I am XXXX yrs old. 
Congratulations! You just screwed yourself. I called and they said they could bring it down to {$440.00}. That is 25 % of what I BRING HOME. I can not eat if I pay their new payment. I would like my payment to go back to the {$40.00} it was at. And the XXXX dollars the single Parent plus loan was at. OR since it has been consolidated, be realistic and make me pay {$200.00} a month. They mislead me, I asked and asked for a reason I should not do this consolidation and had they told me this was the outcome, at anytime, I would NEVER have consolidated EVER. It was never spelled out like I could understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.

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 2015-09-23 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 writing to the consumer financial protection bureau to remake a complaint concerning a matter which I previously made a complaint on in XXXX of 2015 ( complaint # XXXX ) on my private student loans. At that time I made the complaint that even though I was paying my bill, Navient was still harassing my aunt who is a cosigner on my loan and was suffering from XXXX, had a XXXX and had XXXX at XXXX XXXX and XXXX XXXX Hospital in XXXX XXXX, where she lives. She has now been diagnosed with a mass on her liver. When I complained to you and your organization, you got in touch with Navient and the harassing phone calls stopped to my aunt. I continued to make payments and arrangements as I will outline in the following but my major worry is that they have yet again started harassing my aunt. I would seriously request your help in making them refrain from harassing my aunt suffering from XXXX who is not responsible for the bill and only a cosigner. I would like her removed as I have been making the payments. 
As of right now, I had spoken with Navient and had been told if I submitted bank statements and pay stubs that I would be qualified for a program to reduce my interest rate to 1 % and my payments would be {$250.00} a month. I submitted the paperwork and they took a payment of {$250.00}. Navient left me a voicemail saying I was approved but they needed to speak to me. When I called back, they said I was not approved in complete contradiction to what I had been previously told and with the amounts of money taken out of my account. Of course no full names were given to me and they did not give me any other options. In the mean time they have taken XXXX more payments of {$250.00} out of my bank account. They have continued to call my Aunt who has been battling XXXX for years having XXXX, a XXXX and been through XXXX treatment and recently discovered a XXXX. My XXXX continually receives calls at home and at work, day and night. The last person I spoke to at Navient told me he needed to speak with my aunt to set up the program. When my aunt spoke to the man he was extremely rude and said " You can pay your bills but not us. '' That is completely wrong to say that to someone who has been paying medical bills on top of her own family matters and who is not responsible for this bill and is simply a cosigner. It can not be legal for Navient to take payments and then say I am no longer qualified for the program let alone verbally abuse my aunt on the phone. I am trying my best and have been making payments but Navient continues to break their word and not work with me and harass my aunt which I have previously put in a complaint about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I deposited a check that was payable as " cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Bank of America and I was told that the check would not be credited in my account because it was written " cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions.,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 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: PA

Complaint narrative:
When my son entered college it was necessary to have a co-signer. The application indicated I would be the co-owner, which I had a problem with. The loan officer said I would not be responsible for the loan " that is just the way the form is created ''. I asked her if I could notate that on the Promissory Note with her name and she said yes. I wrote down everything she said and sign under the notation, not " on the doted line ''. XX/XX/XXXX my son stop paying his loans on a regular basis, then not at all. XXXX XXXXNavient called my phone everyday, so many times that I stopped answering it. In the beginning I would request a copy of the Promissory Note with my signature so that I could explain why I did n't feel responsible. Each time I received a copy with a computer generated signature. 
XX/XX/XXXX, I answered a call from Navient and tried to explain the extenuating circumstances under which I signed as co-signer and that I would be willing to help my son with his loans if they would just send me a copy of the original note so I could have for future reference if the calls started up again. Because she was collections, she said she would issue the request to Customer Services and if I did n't hear from them to contact them directly. I received another computer generated document and contacted Customer Services who inform me that sometimes these documents are lost. I learn last week that it is a Federal Law that the signature page must be provided upon request. I will probably need legal assistance because I kept my word and have paid on this loan for almost a year but I have never received the document I need. I am turning the responsibility back over to my son and hopefully, though doubtful, he will pay this loan. I still need the document to prove my claim but have been unsuccessful. Please help me obtain this document that I believe we help me clear my name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 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: VA

Complaint narrative:
I have student loans through XXXX XXXX which is now Navient and last year they charged off my private loans due to non payment but still are showing I owe the entire amount and reporting me late to my credit report every month. I do pay a very minimal amount a month and have been for some time. Also the interest rate doubled the original amount I owed from {$60000.00} to {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 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: OH

Complaint narrative:
My student loan is through Navient. 
I calculated my minimum payment for my loan and I got {$830.00} but Navient told me I have to pay {$950.00}. I called them and told them there is a miscalculation but they would n't listen to me and tell me " its better for you, you will pay it faster ''. I told them that is for me to choose. If I want to pay {$100.00} more ill pay extra but I want my minimum payment to be the MINIMUM amount as the name suggests. I had to call XXXX people explain to them math and now they do n't know how to calculate until they agreed that they had miscalculated and reduced my minimum payment. For the past year I was paying over {$100.00} more on my payment when I should n't have.

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

Complaint narrative:
For years, I 've been forced into forbearance with Navient, which, mind you, they charge you for you, about {$100.00} each time, that you have to pay that day, on the phone, as though asking for financial assistance means having those funds. Anyway, I 've never been allowed an income-based repayment plan. And currently, my student loans from Navient exceed what I borrowed ... and I have been paying on them for nearly 10 years with no relief. And this is n't the only set of loans I have. I make less money than I owe per month for my loans, and I 'm given no assistance. I can not continue to pay the forbearance fees on them, for a 3 month period, in which time I do n't magically make more money. I also feel they 've messed with my interest in some way, because how have these not gone down at all since 2009? I 've attached copies of my statements and proof of payment. But I have to say, to be charged that type of capitalized interest, offered no financial assistance to someone who needs it, and to disqualify me for an interest rate reduction ... it all makes me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
XXXX XXXX XXXX utilized XXXX XXXX for XXXX report. My billing\payment information was not sent with the request for service. I was never contacted by XXXX XXXX billing department. All my XXXX expenses have been honored by the Veterans Administration and have been closed. I did not become aware of the account payable until I reviewed my credit report. I contacted XXXX XXXX XXXX and they acknowledged that I was not contacted or allowed to make payment of the account prior to placing a claim on my credit report. Diagnostic Imagining had written off the account according to the XXXX XXXX XXXX and they are demanding payment and refusing to discharge the claim from my credit report. I contacted XXXX XXXX and gave them my correct billing/payment information to resolve the issue. I called this information to XXXX XXXX agency and they said that they were sending me a thirty day notice and they would take further actions if I do not make the remittance to them. I told them that I was paying XXXX XXXX since they provided the service. My issue is : the XXXX XXXX XXXX has the authority to make an adverse impact on my credit report. A transaction agreement usually requires at least two parties. Even though they acknowledged the fact that I had never been made aware of the account billing and I had not been provided the opportunity to resolve the balance, they have the means to impact my financial being legally. While I have no recourse except to dispute the claim with the XXXX Credit reporting agencies or pay XXXX XXXX XXXX and hope they remove the claim. XXXX XXXX XXXX made the contract with XXXX XXXX but failed provide billing/payment information. XXXX XXXX failed to obtain the billing/payment information from XXXX XXXX XXXX who was paid in full by the Veterans Administration. Since credit reporting is suppose to be about the transactions between two parties, I do not think a third party should be able to hold me hostage and effect my financial aspects without my prior knowledge of the debt. This is why I am here typing out this complaint for all Americans who have been a victim of false credit reporting due to poor business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 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:
I put in for the income based program, and was told that I did n't qualify, I then resubmitted months later after being late and defaulting and was granted XXXX payments. But, they also failed to tell me that my did n't cover all my loans through them after I had asked if all my loans were out of default now.. I recently noticed that it has happened again, only half of my loans were covered and I specifically asked if all would be .. With this being said I found out this time by a bill in the mail stating I had past due payments, so once again I am having to call them and get this corrected. I have late payments on my credit report because of this and my scores had dropped substantially. I wrote have written letters of goodwill to try and get these removed as a last effort to save my credit and have not received a response. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: CT

Complaint narrative:
I was never fully informed that I need to consolidate my loans to be eligible for forgiveness. I was told that because I work for a non profit and I am on the " Income based repayment '' plan, I would have my loans discharged after x amount of payments. Three years later, in conversation with a representative, I was told that because I did n't consolidate I am out of luck. I consolidated, but now have ten more years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: TX

Complaint narrative:
They would not allow me to lower my payment. Then they would allow me public service forgiveness on my loans stated they dont do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: TX

Complaint narrative:
After trying multiple times, I can not get my interest lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I deposited a check from a fraudulent company/ job scam and deposited the check into Bank of America and withdrew the funds after they did n't initially stop the check. Some time after withdrawing the funds, they put the check on hold, causing me to show and overbalance and they are not cooperating with me at all in order to resolve. I understand that they can not directly go after the company, but at the rate I 'm going, I 'm going to be slapped with overdraft fees when they essentially told me to go get the money myself.

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 2015-09-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I inherited a condo from my mother after she passed away. Bank of America holds the mortgage on it. In summary, after sending in the executor information multiple times ( I even walked them into a branch and received documentation that they received ). Bank of America continued to say that I had not sent the docs and would not take payments from me as I was " not an approved person to speak to ''. As a result, I not only incurred XXXX of dollars of late fees, but ultimately the loan was put into foreclosure. I was finally able to pay the balance, but in the end have incurred over {$1200.00} of fees because of their incompetence, let alone the hours and hours and hours that I spent trying to rectify this. While I am now received statements and am able to pay the loan, if I call to ask any questions - for example, I 've been trying to set this up for payment on line -- they still insist that they do not have any of my documentation and they ca n't help me. The loan has now been sold to XXXX XXXX, who is saying that they ca n't speak to me because they have no documentation that I am the executor. I am copying you on a letter that I sent to XXXX XXXX, the CEO of Bank of America, both by email as well as in hard copy on multiple occasions, with no response. My ultimate objective is to 1 ) be sure that the banks acknowledge that they have my documents stating that I am an executor and that they can talk to me/take payments from me/set up on line payment with me, and 2 ) receive a refund or credit of the over {$1200.00} in fees I incurred over the course of this process. If I was not as persistent, aggressive, and knowledgeable as I am, I may have lost the condo to foreclosure -- it occurred to me that there could be XXXX if not XXXX of people that would not have been as persistent nor had the knowledge to get something done, and would have unnecessarily lost their home -- this is unacceptable! That combined with the fact that I 've had XXXX response from anyone with the multiple complaint letters and phone calls I 've submitted is truly scary..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, 2015, I received an alert notification from XXXX XXXX XXXX XXXX. The alert involved Bank of America reporting the following to XXXX, XXXX, and XXXX that following information respectively : Foreclosure initiated ; Foreclosure proceeding started.|Foreclosure proceeding started ; and XXXX account|Foreclosure process started. Bank of America through XXXX , XXXX XXXX XXXX, XXXX and the XXXX XXXX, XXXX initiated a foreclosure process in the Circuit Court for XXXX County, Maryland. Notices of such were sent to me and XXXX XXXX XXXX. Thereafter, a Foreclosure Mediation was scheduled in XXXX 2015 and BOA nor its representatives appeared at the mediation. Therefore, the Circuit Court dismissed the action. Since that time, no other foreclosure notice has been issued and once again, BOA has taken the low road to slander my and XXXX XXXX 's credit by reporting false and malicious information. I seek to have this information removed from both accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had a reduction in Income over the past seven years and have fallen 23 months behind on my equity line of Credit with Bank of America. I expect to earn XXXX XXXX by XX/XX/XXXX and would be able to pay the 23 months of overdue payments to Bank of America and have requested they postpone the foreclose to avoid any additional legal fees and expense being added to the reinstatement amount. So far they have refused to place the foreclosure on hold. I spoke with the law firm and they have not filed with XXXX County Supreme Court as of todays date XXXX/XXXX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 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: MD

Complaint narrative:
My student loans were turned over to Navient. They have really made it hard to make payments. My payments are so high and not affordable. They reported me to the credit bureaus without even giving me a chance to try to make repayment arrangements. My other loan company never did that. They always helped me and accepted smaller payments. Now they are trying to almost double my income based payment without even checking my income. It is so unfair and it is really causing hardship with my credit.

Company response to consumer: Closed with non-monetary relief