vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
ny student loan was sold to a company called navient the problem is when i pulled my credit report they have my one student loans listing under several items making it look like i have numerous amounts of loans the loans were taken out in XX/XX/2007 after i applied and stated to them i could not attend if it was not only with grant money, XXXX stated back to me lets not worry about the money right now just get you enrolled. that they did now i am so far in debt and XXXX that i can not pay them back but yet they harass myself and my XXXX mother for money they know we both do not have.i just want them either removed or condensed into one item on my reports so as it doesnt look as bad to someone inquiring about me.this has cause much problems between my mom and i being she is a co-signer because i had to take the loans or would not have been able to keep going to classes. so not fair. please help me. i was XXXX when i applied for school to start with an i made sure they knew it. its been 9 years now and they still call they still write letters and they still post repeated items on my report to make it look worse then it is.XXXX year out XXXX XXXX women in america doesnt get a break she get taken.shame how it works out.

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

Complaint narrative:
With Navient, my loan went from XXXX to over XXXX in interest because of forebarence.

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

Complaint narrative:
Upon entrance into XXXX, I was unable to afford college without help from grants and private school loans. I began taking out loans in 2005 with XXXX XXXX who more recently transferred all of my remaining loans to Navient. I have contacted every department possible, beginning with XXXX XXXX and now Navient, to attempt to consolidate and or refinance my remaining loans and have had no luck. I have been told over and over that they " ... do not consolidate or refinance loans ''. This to me is absurd. I am being held to live with what my interest rates, credit score and risk level was at the age of XXXX ; when I did not have credit or time to even establish any. I currently have loans with interest rates exceeding % 16. With my total owed amount exceeding XXXX, my principal payment is XXXX {$300.00} while the interest is in excess of {$700.00}. It 's robbery! This monthly payment is higher than my mortgage payment on a {$220000.00} home. I have also been denied internal Navient assistance programs and have had to go to top leadership for approval as a result of getting a new car loan ( after being in a total loss car accident ) and after obtaining a mortgage ( that was less than my monthly rent payment ). Navient has stated over a and over that I am not allowed to acquire ANY new loans until they have been paid in full or I will not qualify for their help programs ; even in the instance that the new loans are cheaper than the previous monthly bills. This company basically regulates your life! If you do n't pay, they have been authorized to garnish your wages. I have exhausted every avenue known to me, to include contacting outside banking institutions that used to consolidate private loans and now no longer do so. Resulting in me being stuck with Navient. I really hope this lawsuit shines light on this situation and brings it to the attention of new college students in their efforts to pay for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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: AL

Complaint narrative:
Navient services both my Federal and private student loans. On XX/XX/2017, I wrote a check in the correct payoff amount for my smallest private ( consolidated ) student loan, using the directions on their website. I included a letter instructing them exactly which loan I was paying off. Navient cashed my check and did n't post the payment. I called them and the representative told me to get a copy of my bank statement and upload it to their website. I uploaded my bank statement showing where they cashed my check and also uploaded another copy of the letter with my instructions on which loan to pay off. They posted the payment, but they did not pay off my loan. They spread my payment out over all of my Federal loans, instead of following my instructions. I called them again on XX/XX/2017, spoke to a representative named XXXX, and explained to him that my payment was not applied correctly. He told me that he would put in a request to have the payment adjusted and it would take one week. Today is XX/XX/2017 and the payment mistake has not been corrected.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have a student loan with Navient, I have had repeated struggles finding a repayment plan that is in the range I can pay. They either want {$400.00} a month or want me to " just pay the intrest ''. I have tried repeatedly to set up payment plans and they keep telling me I have only a few options. I am on an income based plan now but for the last 2 years I got NO notice that the plan was up, then I got SO many fees when I did n't even get notified the plan was up. They then put the loan into forbearance until the new paperwork could be processed all while tacking on MORE interest on top! The original loan was for {$26000.00} and I have paid about {$39000.00} over 20 years and I STILL owe {$22000.00}. THIS IS NOT FAIR! I NEED HELP WITH THESE PEOPLE AT NAVIENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Bank of America credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Bank of America, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Bank of America, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient ( formerly XXXX ) continues to call, leave voicemails and threaten to ruin my credit for a student loan my son owes. I did not co-sign the loan. My son has spoken to them several times but they continue to call me. They are extremely rude, refuse to listen when I explain this is not his number and he does not even live in my house or in the same state I am in! I have asked them not to call, to communicate in writing with me if they feel it 's necessary but stop calling my phone. They continue to refuse and say they have every right to contact whoever they want in an attempt to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: The CBE Group, Inc.
State: MA

Complaint narrative:
the company (CBE Group) has called repeatedly outside of XXXX and XXXX. When i spoke with a representative they refused to provide me with either the callers name or the permanent physical address of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I recorded a phone call that has just concluded and the woman from Navient notified me they would be putting a lien on a property that is not mine and will be siezed to collect on a student loan debt that was taken out over 5 years ago. They have been calling from the hours XXXX, even after numerous conversations I 've had with them after becoming a stay at home mother and full time student. At this time I have no income to pay this loan payment and now I 'm being threatened to be litigated? Absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 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: NJ

Complaint narrative:
I am a Bank of America depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the BoA accts and has an IRA via Merrill as do I. BoA offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH BOA AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. BoA says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The BoA rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: IL

Complaint narrative:
XXXX - Spoke with XXXX and setup payments of {$320.00} at the end of every month to get loan back on track ( recovering from layoff ). 

XXXX - Spoke with XXXX and was told that I needed to make a payment of {$1400.00} in order to keep the loans from default. I told her I would call back XXXX to make the payment. 

XXXX - Called and spoke with XXXX to make the loan payment of {$1400.00}. I was advised that the payment would need to be split into XXXX payments of {$970.00} and {$450.00} respectively. XXXX also advised me that it would be a good idea to move the date of the payment up a bit in case I had another emergency, that way I could contact them and workout some sort of arrangement before the end of the month to keep from being late again. I told her that I would consider it and call back if I wished to do so. 

XXXX - Received a call from XXXX stating that my loans were in default because the {$970.00} payment that I made on XXXX did not go through. I told him that they must have made a mistake because the funds were debited from my account on XXXX/XXXX/16. He said the he did not doubt me and asked me to email a copy of my bank statement to his supervisor XXXX XXXX. XXXX also stated that he would give me a call the next day after he heard back from XXXX. I emailed XXXX a statement a few minutes later after I got off the phone with XXXX. 

XXXX - Received a call from XXXX letting me know that my case had still not been resolved. Knowing that I had a scheduled payment at the end of the month I asked him if it would be affected at all by the current situation to which he replied " everything is fine. '' XXXX - I received a call at work letting me know that my loans had been defaulted because the XXXX payment came in late due to bank closure from the holiday ( meaning that the anybody who has an automatic payment setup at the end of the month is late ). Now my private loans with Navient are in default.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
It appears that the payments I 've been making over the past two years have no been fully applied to my account. On my tax information it also appears that the interest I 've been paying has been miscalculated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
Someone called from XXXX saying they are trying to contact my son says that he owes money ( which he does n't ) and to call XXXX at XXXX call two to three time per day and it 's very aggravating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In 2009 I lost my job and was unable to make the payments on my private student loan which caused them to go into default. I am now currently employed and want to rehab my credit. These private loans are hurting my future plans. I contacted the servicer Navient which is the new servicer on my loans and they will not help with any repayment options on my defaulted loans. I want to know how can I get back in goodstanding and show that I want to get these loans out of default.

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 — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Everyone I called to say that I could n't pay my loan they would put in forbearance and I have to agreed on paying interest. I felt that my situation was getting harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
i did loan rehab in XX/XX/XXXX paying almost XXXX a month on a ( im going to round up ) XXXX loan then the monthly payment dropped to XXXX a month in XX/XX/XXXX i have always payed XXXX a month and 15 years later i still owe over XXXX and my expected payoff is XX/XX/XXXX this makes no sense to me i have had many loans in the past that i have been able to pay off why wont this balance go away even when i pay extra every month.

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

Complaint narrative:
I discovered that I have credit reporting of over due accounts with a company that I never took a student loan from. In addition, I am XXXX and taking out federal student loans and private loans for college. 

The company failed to contact me. The company filed to check out the national database to see that I am registered XXXX. 

I have tried to call them but there was no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 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: PA

Complaint narrative:
I was planning on attending XXXX University for XXXX 2010. At the last minute, I decided not to and contacted XXXX XXXX to not dispurse the loan funds to the school and I never signed a promissory note. XXXX XXXX still sent the money to the school. I advised XXXX XXXX that this was never signed and they refuse to help. They never provided proof of this signing as well. XXXX XXXX continues to tell me to get XXXX to send the money back, but it is their responsbility. I did not attend this school and I asked them to send the money back but they refused. XXXX XXXX is billing me for this fraudulent loan and the late fees and interest have doubled the loan to about {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: CA

Complaint narrative:
Navient bought my federal loans from XXXX XXXX XX/XX/XXXX. Immediately i began having issues with them. My loan came out of a forbearence in XX/XX/XXXX and i filed the necessary forms to get an IBR ( income based repayment ) since i am unemployed. I mailed the IBR forms via usps with return receipt to indicate that they in fact received my forms. Two months later i received a notice that i needed to pay monthly on my loans. Nothing about getting an IBR. I called Navient right away and asked about my IBR. They stated they never received paperwork. I mailed it AGAIN. They stated they never received it. I talked to a supervisor and got a fax number and faxed the SAME paperwork via fax to the number the supervisor gave me. I followed it up with a phone call. They stated they never received it. I faxed the papers 6 more times and finally they received my forms. However, a week later, i call to check the status and they tell me the forms i used were too old. I told them they were the forms i printed out from Navient website so how can they be too old? The rep stated that now id need to cross out the date on the paperwork and date the forms within the last 6 months. So i fax it ALL AGAIN and they tell me they 've received it and my IBR will take 20 days to to process. The very next day i began receiving calls from a XXXX number which is Navient. They call my phone 6-8 times a day. I finally spoke to the rep and she tells me they want to help me with my student loans since they are out of deferment and my payments are now behind. I told the rep that i had just sent all forms and that i was told that my IBR was processing. The customer service rep says she has NO RECORD of any phone calls, any forms being received, nothing from me about the IBR. I asked the rep if they take notes and put the information in my account so that everyone at Navient is on the same page. She stated that they dont do that. So basically, ive wasted the last 6 months sending forms, calling, yelling, fighting with this company for nothing. They keep no record of anything and even if you speak to a supervisor, they still dont know whats going on with your account. 
They are not following the law, they are suppose to help borrowers who need help with repayments and offer them IBR/Forebearence where applicable. This is why Navient is being sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mortgage contract states that automatic termination of PMI is to be XX/XX/2017. As of XX/XX/2017, my servicer, Bank of America ( BoA ), refuses to take it off immediately. Instead they have told me various confusing things, such as, I have to pay two more months of PMI past XX/XX/2017, or that I do n't have to pay past XX/XX/2017, or I have to pay one more month of PMI past XX/XX/2017. All the while saying they ca n't provide documentation on definite dates and it has to go through more days of review. 

I first contacted them on XX/XX/2017 to find out why the updated amortization schedule had PMI on it for the entire 2017 year. Since then they have continually dragged my case on. I have contacted them six times already with no definite documented resolutions to terminate PMI by XX/XX/XXXX, only possibilities leading to paying more money outside the stated termination date. 

As of XX/XX/2017, I have been told that it can be up to another 14 business days to get my PMI off my account. Conveniently for BoA, the additional " review '' days put me around XX/XX/XXXX, so I am held hostage to either pay XX/XX/XXXX PMI or a late fee ( after XX/XX/XXXX ). There is a possibility, at that time, they may try to drag this out longer, which is a related concern. 

All I ask is that the legal contract we signed many years ago be honored. It states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/2017. '' I am current on my loan payments. Also, I have attached a copy of the PMI disclosure and BoA 's amortization schedule.

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