vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-10 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: WA

Complaint narrative:
In XXXX I took out a XXXX loan for my son to go to college. 
My son paid on the loan and in XXXX he merged all his loans and since has paid them off. In late XXXX, early XXXX of this year I answered a call to my home phone of what I thought would be a telemarketer, because the ID said unknown caller. The female voice on the line asked for XXXX. I said XXXX does not exist and she said I am so sorry. Realizing that she thought deceased I explained that I was XXXX XXXX but divorced and now XXXX. She then told me that she was calling on behalf of XXXX and that I had a loan that has not been satisfied. I told her that she had incorrect reporting and why in the world would you call 13 yrs later. Since then I have received several letters in the mail of which I sent a bankruptcy notice ( XXXX ). I found that Federal loans do not qualify. No problem show me all the payment history. Who paid on the loan when payments were made and how they were made. I to date have not received any satisfaction with this request. My son called XXXX of whom he had merged and paid all the student loans with. The investigative dept was conferenced call with my son and I and all quesitons asked. The investigator did say this sounds like it may be a fraudulent claim. Still waiting on the results.I called the company Navient, in early XX/XX/XXXX the woman told me that there was XXXX on the loan # I gave her. I asked if she could mail me a copy of this XXXX balance. She said that she would have to send it to the finance dept and that takes up to 48 hours. No problem could they maybe send it to my email. She said yes. I waited a couple of weeks and never received it so I called on XX/XX/XXXX. I got a woman named XXXX told her of my request and she said you will have to call the guarantor, XXXX she gave me a # called and spoke with XXXX told her of my request and she too said you will have to call the guarantor of the loan. Frustrated I told her I was told that by the last lady and this is the # she gave me. She still said you will have to call. Now I am retired and living on a fixed income. This is so frustrating. Is this legitimate? Do I owe. I am trying to take care of this and getting no help. 13 yrs is a bit long to have someone decide to call and collect. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I contacted Navient student loans in XX/XX/XXXX about my student loans due through XXXX. Upon doing so I was informed that they can check my eligibility for a student loan forgiveness program. I was screened and told I would be eligible for student loan forgiveness. I started my application and was told there was a fee of almost {$700.00} and that payment could be broken down into XXXX payments. I gave my acoount information and began my application process. I was informed by XXXX the consolidation company handing my student loan forgiveness process that this application process is actually free to do. Which means that the woman I spoke to XXXX XXXX ext XXXX, committed fraud by providing my application to a third party company which charged my account for payment which I was informed should have been free to process my student loan forgiveness application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
On XXXX XXXX, 2016, I placed my payment in full for my Perkins loan through ECSI. My grace period was ending on XXXX XXXX, 2016 and so I set it to pay on XXXX XXXX, 2016 ( interest would begin accruing on XXXX XXXX, 2016 ). I received a DirectPay confirmation on XXXX XXXX when I had placed my payment for the loan. On XXXX XXXX, 2016, my payment never went through. On XXXX XXXX, I contacted ECSI as I wanted a resolution as to why they had n't processed my payment yet. I never received a response ( but had been told through the system that I would hear back soon ). Interest accrued on XXXX XXXX. On XXXX XXXX, I tried contacting them again. Again, no response. Again on XXXX XXXX. Again, no response. I finally got a hold of someone on XXXX XXXX and they told me that nothing could be done. They told me it was my fault for not contacting them ( which I had ) and that I had n't processed the payment ( I had ). They told me they had deleted my payment ( for no reason? ) and that I had to pay the interest as well as interest that was set to accrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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: NC

Complaint narrative:
Harassing phone calls, upwards of 12 times a day. I have informed them off being hard of hearing and phone calls are not best for me, no change. They have also called personal references in order to get payments on loans. They have called my inlaws, which I have never given their information to.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
Higher interest rate charged than originally told, never post payment on time and does n't add up to amount I need to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a {$50000.00} home equity line of credit with Bank of America. The BAC person said she made it for {$100000.00} so I 'd get a better rate. After waiting more than two months with no response other than them asking me if my dead husband still owned property on a street where he never owned property, I realized they were just jerking me around.. My house is paid in full and is located 15minutes from NYXXXX via car or ferry. My car is paid for. I received a letter of rejection from BAC based on " the debt being too high for my income. Considering that I only wanted {$25000.00} the monthly payment would have been under {$150.00}. I clear a minimum of {$2200.00} ... .my house and car are paid for and my health care insurance and costs including dentistry is free from my late husbands job. I have no debt other than {$2000.00} in credit cards that I used to have work done on the house while waiting for the BAC home equity loan. A tree 's roots were taking down a retaining wall adjacent to my driveway. BAC had no reason to delay their response for months and no legitimate reason to turn me down. They mention XXXX ... the only inquiries made of XXXX would have been by BAC. Also, when I took a new BAC credit card to a BAC bank for {$1000.00} cash, I was initially turned down because " the credit card '' that was never used " was bad. '' A manager corrected that. Overall, the discrimination is clearly based on my age. The house is valued at {$300000.00} and could be sold in a couple of weeks by any realtor if needed ... .good collateral for sure. My credit rating is XXXX with XXXX based on the reject letter from BAC.

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 2017-01-20 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: AR

Complaint narrative:
Interest that accure and the balloon interest that went on loan in the short period of time since navient taken over the loans, unreasonable negotiating of lower my payments to an reasonable payments, would not accept a reasonable payment arrangement even after i told them that i was homeless and without a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My wife XXXX away in XXXX and had a credit card balance of {$12000.00}. Instead of being a XXXX, I chose to pay it off. I should have not paid it I guess, because it never showed up as paid, and lowered my credit score from XXXX to XXXX, with no way to ever be able to raise it. 
What they did was wrong, and it gets worse. Today, I have spent over two hours to find my credit report, and a way to contest it. Here is why. The online access to XXXX doesn ', t work unless You can upload documents, and I can, t because I only have a tablet .I c n't call XXXX because they have an automatic phone that does n't have the prompts to help people like me. So, rather then reward me for twelve years of payments, they XXXX me, lowered my credit score so I will never be able to raise it. I have XXXX items at the credit bureau, XXXX which I can prove are invalid with supporting documentation. Their behavior has led me to be turned down from them, and XXXX other business, which made my credit score go down. What are consumers supposed to do when banks are allowed to participate in this type of behavior? I had a mortgage ( XXXX ) with boa which was paid off in XXXX. I have court papers that prove I was n't in control. I have XXXX valid debt at the credit bureau which I will pay. The rest are not even valid, but XXXX has a network that wo n't allow you to talk to someone in person. So now i ca n't receive a credit report, or a disclosure form to validate their claim. I thought that it was illegal A consumer should 't have to spend hours on the phone to obtain this information. 
I would like boa to remove any reports on my credit report that should n't be there, and provide a credit report, and valid forms to remove documents. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX Turned down for a secured credit card. What 's up with that.

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 2017-01-20 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: VA

Complaint narrative:
After school my job did n't pay enough to cover my house yet alone the new {$500.00} payment I had for student loan debt. When I asked about lowering the payment I was told I do n't qualify and then was told to put it on forbarence until I could get a better paying job. Well that still has n't happened so it has just been put on forbearance over and over for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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 a checking and savings account with Bank Of America, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous

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 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I fell behind on my mortgage in XXXX 2016 due to unemployment. I hired an attorney to help me submit my paperwork to Bank of America to ask for a loan modification to save my home. Bank of America confirmed they received my application in XXXX 2016. My attorney worked with them to get them all the requested documents for a complete financial package by early XXXX 2016. While I was in the review process, Bank of America mailed me an automatic Streamline Modification offer ( dated XXXX/XXXX/16 ; attached ). My attorney advised Bank of America that I was not interested in the Streamline Modification program because it has a higher payment than the HAMP program. My attorney repeatedly asked Bank of America to remove the Streamline Modification offer because I wanted to be reviewed for the HAMP modification program instead. Bank of America repeatedly told my attorney that they would review my loan for the HAMP program. Thus far they have NOT reviewed me for the HAMP program. They keep sending me letters trying to get me to accept the ( WORSE with a higher payment ) Streamline Mod offer. Now my attorney recently followed up with Bank of America and they state there is no review open any longer. Basically they cancelled my HAMP review because they are trying to force me to take the Streamline Modification offer that has a much higher payment than the HAMP program. Now the HAMP program has expired and Bank of America evaded reviewing me for the requested HAMP program. I know they had a complete file because they approved me for a modification on my 2nd mortgage. I do no think it was right for Bank of America to evade reviewing me for HAMP solely because their system had already approved me for a worse higher payment ( Streamline Mod ). My application was in before HAMP expired and Bank of American should not be able to evade reviewing me solely becuase they want me to take a worse program ( Streamline Mod ).

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 2016-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I called a place called navient and told them the person they are sending the collection letters to does not live here and i dont know who the person is.i asked the supervisors on 3 or 4 occasions to stop mailing me this mail and i dont know who the perso. Is and they tell me ok we will take care of it and take the address off file.it has not worked.im getting harassed and im the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have proof that I have paid my bill on time every month and that it is the agreed apon amount I have a signed contract that bank of America has not processed since XXXX 2016 and I have a trail letter signed by bank of America telling how much to pay from XXXX thru XXXX XXXX every time I call they just tell me that the paperwork is still in process. it was supposed to be done within XXXX, its clearly more then XXXX. this is n't my computer I have all the paperwork but have no way to upload on the library computer

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 2015-10-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Re : Illegal credit card interest billing practices at Bank of America , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Bank of America 's auto debit program. 
Bank of America illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Bank of America 's billing system. 
I am certain that numerous Bank of America customers have been illegally charged interest amounts on active dispute amounts. Bank of America should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
In XX/XX/2011 after I graduated from XXXX College in Maryland I started making payments back to XXXX XXXX at the time. Through that time I had been working for the XXXX and was only making {$XXXX} a year. I requested assistance from XXXX XXXX and Navient to be placed on an income based repayment plan. Instead of working with me they pushed me into multiple forbearance which I have the documentation to back up. They continually harassed myself and my parents on a daily basis as I struggled to make payments. To this day I feel that Navient is one of the worst companies to work with and they still have my payments XXXX and they forced me to go into auto-pay to quickly try and get them paid off. They told me that 30 year financing was not available and that I would need to make the full payment each month which is roughly {$1000.00}. I think for someone trying to do the right thing and wanting to pay off their loans they are being penalized. As the lawsuit proceeds I would be more then happy to provide any information or documentation to show how I was a victim of Navients scam of pushing people into forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 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: NJ

Complaint narrative:
I asked to apply for XXXX for my private loans since my federal loans were dismissed and they customer service from Navient stated he would send me the documentation to fill out. Since that call I have not received any letter. Just been receiving continuous calls from XXXX to XXXX Monday through Sunday on multiple numbers. When I spoke to one representative I guess they do n't annotate the call and I get atleast 8 to 10 more calls after. Another issue is that they have n't sent me the paperwork I requested and said that the XXXX paperwork will be DENIED automatically. This harassment must stop I told them many times if I could work to pay it off I would but I am a XXXX veteran who is still dealing with medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Bank of America about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. Thank you.

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Due to the XXXX of XX/XX/XXXX and a severe loss of income, I could not pay my credit cards. No one would work with me and I ended up being summoned to court. I could not afford an attorney. The cards were all bundled together and the attorney representing the credit card company offered me a re-payment agreement that would span 3 years. He told me to sign it and make the monthly payments, determined by him, for 3 years and said that would be the end of it. I signed it and the judge approved it. There was no discussion about forgiving anything. They said - pay what you owe and I did. I worked very hard to make the payments from the XX/XX/XXXX-XX/XX/XXXX time frame until XX/XX/XXXX-XX/XX/XXXX. During this time, my husband had to file bankruptcy and we had to short-sale the house because again, no one would work with us. Not the homeowners relief program, NO ONE. I never received any further communication from ANYONE. Now we fast-forward to XX/XX/XXXX and Bank of America sent me a XXXX form stating that they are " forgiving '' {$12000.00} of debt! There is no possible way this could be my debt. What I am saying happened, is that since I was under the impression that this matter was resolved and I made 3 years worth of payments, I thought it was over. No one has contacted me since that day in court almost 9 years ago. So what was Bank of America doing to me behind my back? Adding on late charges and penalties and fees every month, while making absolutely no effort to contact me so that perhaps this could have been resolved and now, almost 9 years later they are " forgiving '' {$12000.00} of debt? How can this even be legal? How am I going to pay taxes on this now? I am XXXX years old and I am not made of money. Please make them rescind this form. I do n't have the income to justify a credit limit of {>= $1,000,000} on XXXX card. In my opinion, this is fraud. Is Bank of America trying to manufacture write-offs? I do not know HOW I will pay this tax bill either. What is next - debtor 's prison??????

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