vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-18 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: PA

Complaint narrative:
I was finally able to reach out to my borrower and set up payments. My payments were set at {$550.00} per month ... Steep but I agreed to pay. However each, time I would apply for income based repayment or the fact that I was working at a XXXX. My paperwork got lost or someone said it was never received. The next year I thought the {$550.00} per month would continue, but I was told I would have to pay {$250.00} more per month, even though I told them there was no way I could afford {$750.00} per month payment. They said it was not going any lower and the only way to avoid was to go into forebearance ... I feel I was forced into forebearance and I told them over and over that is not what I wanted ... I wanted to start paying. But I 'm in forebearance because they will not give me lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc.
State: IL

Complaint narrative:
NelNet continues to practice inconsistent customer service and other inconsistent lending practices. Since the inception of my student loan in XXXX XXXX, I was informed for first time in XXXX XXXX that credit card is an acceptable method of payment by customer service representatives. I have called in, talked to a representative, and made one-time lump payments of {$4000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I attempted to make the same transaction and was denied. However, the same transaction was approved 3 times previously. I was informed they can not accept a " debt for debt payment '' as per SSA guidelines. I was told if I were to file bankruptcy, and made credit card payments it would dissolve that portion of the student debt as it has been offset by potential credit card debt. Further, I was informed I can not make a credit payment in excess of monthly payment amount. The payment amount is an arbitrary allocation of cost. Based on those grounds, if I requested a revised payment schedule based on a different payback period, I could simply work around the method outlined by the representative. I am not in acknowledgment of any modifications to my loan which revokes this privilege. Payment is payment and it should not be determined by the lender of which form of payment is " more credible ''.

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: AL

Complaint narrative:
Navient has been messing with my accounts for years. I have been paying on my accounts and the payments do n't seem to be going toward my balances. Or some are and some are not. On top of that I have a loan that my mother co-signed for and they refuse to give us any options on that loan. We have a ridiculous interest rate and it is making it nearly impossible to pay back. This is by far the worst company I have ever. Had to deal with. I honestly wish that I never went to school because of how hard it has become to pay back these loans with this horrible company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I notified Citibank of a dispute with Home Depot for {$210.00} from a total charge of {$380.00} purchased on XXXX/XXXX/XXXX. Citibank sent me a stupid form to complete which did not allow for my comments so I requested a fax number to send in all my details and correspondence which is attached sent on XX/XX/XXXX. Citi " claims '' they never received this although I have a fax delivery confirmation. I resent this via email with attachments on Sent : Saturday, XX/XX/XXXX XXXX XXXX and this is my email delivery confirmation but Citi again states on XX/XX/XXXX at XXXX EST ( copy attached ), they still have not received my documentation. This is ridiculous and a complete run-a-round. I request your review and intervention in this matter as I am not receiving any support from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Navient has not been helpful at all in my repayment. I was laid off and now I work with a XXXX that has n't been able to pay me for 2 months. I no longer receive unemployment so it has been really hard. I spoke with a representative at Navient and the lady was so inconsiderate like she just focused on a script. I informed the lady that she woke me up and all she said was when can you make a payment. Then she informed me that if I do n't make a payment I will continue to get calls and will my co-signers. I informed the lady that my grandfather who was a co-signer passed away even before I graduated in 2010. She then asked me to provide the death certificate, I said really?! It was a shock being asked that. I wish the repayment was as helpful as XXXX. I was able to do repayment based on my income, without a struggle and irritating phone calls for my federal loans.

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

Complaint narrative:
Since XX/XX/XXXX I 've been autopaying {$63.00} on the XXXX-XXXX of every month to XXXX/navient. In XX/XX/XXXX the auto-pay abruptly stopped. When I contacted Navient about it they told me I had NEVER auto payed before and since I was late I needed to pay XX/XX/XXXX payment AND XXXX payment. They took {$120.00} from my bank account. The {$120.00} does n't equal the XXXX I was paying but that 's anther issue. They said the payment was for XX/XX/XXXX and XX/XX/XXXX. Then come XX/XX/XXXX I get charged again {$63.00} on XX/XX/XXXX. I have all the bank statements and my account payment history on the navient site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have been careful in ensuring that I do not incur Bank of America 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Bank of America will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25 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: CA

Complaint narrative:
I have been paying my loan regularly, no late payments, for over a year. Decided to start paying on principal. Had made full payment a couple days prior, on time, and made a second payment, including " special instructions '' as instructed. I was told only a portion would go to principal, the rest to late fees and interest. I do n't have late fees, but they had given me one! 
I sent the complaint below, but would like to say that Navient is horrible ... .always. I can rarely understand the representatives, email response is slow and reflects little to no attention to the actual complaint/query. They make a fortune. Why ca n't we have decent service?!!! 
Here is my complaint to them : I received a shocking reply to my email and have looked at how you posted my payment with special instructions. I see you included a late fee. PLEASE REMOVE. I had already made the payment for the month, on time, and it registered a couple days earlier. This was to be applied to the PRINCIPAL, as I have been told we can do. The interest for the month was also made in the payment $ XXXX monthly payment made a couple days earlier. Either your processing personnel are inept or you are employing predatory practices. I should be able to pay on my principal. Anything else is usury, as well as false advertising on your part. PLEASE AMEND THE SPECIAL INSTRUCTION PAYMENT IMMEDIATELY.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

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 2017-02-19 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: NY

Complaint narrative:
In XX/XX/XXXX, after using my allotted forbearance, I was forced to begin repayment on my Navient ( formally XXXX ) private student loans. At the time, I was unable to find full-time work and I could not afford the minimum monthly payment. I called Navient numerous times in an attempt to find a solution that would n't result in default. None of the programs they offered at the time lowered my payment enough for me to afford. 

As the date was approaching where I would start missing my payments, I reached out again to Navient in desperation. The person I spoke to this time explained to me something I had not heard before. I was told if I do go ahead and default, other programs would become available to me through Navient. I questioned why I would have to default first to be eligible for other programs, but I was told this is the way it is. I also asked what the programs were so I could judge if it was worth defaulting for, but I was told that information could not be provided to me beforehand. 

With no other option available to me, I went ahead and missed multiple payments as instructed by Navient. I was then able to work with the Collections Department ( I believe that was the name of the department ) and they offered me a program called the " Interest Rate Reduction Program '' ( now simplified to " Rate Reduction Program '' ). With this program, my payments were reduced to an affordable amount by having all of my interest rates reduced to 1 %. Each year I have to reapply and my interest rate goes up, but I have been able to afford the payment and have not missed a payment since then. 

The problem is I was forced to miss multiple payments before being offered this program which is being reported on my credit reports. After I was on the program and making the payments, Navient continued to report my payment being late for another few months. It was described to me at the time as the payments having to catch up from the payments I missed. The date range that this is being reported is XX/XX/XXXX through XX/XX/XXXX. Since that time, my credit reports/scores have been negatively impacted by this information. 

I later found out from other people that I know who are also on this program with Navient ( including my sister ), that they were not required to default first. This program was available and offered to them without any negative impact to the credit reports/scores. I have attempted to dispute this information through the XXXX credit bureaus and with Navient with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 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: MO

Complaint narrative:
Navient has changed the terms of my loan without my knowledge or consent 3 times over the last 5 months. When they do this, I am removed from my income-sensitive repayment plan and placed on a normal repayment schedule, which results in payment amounts that I can not even come close to affording to make. So, without my knowledge or consent, they have forcibly invalidated the 12 month income-sensitive repayment plan that I did agree to, resulting in late fees, damage to my credit, and a neverending financial crisis on my hands through no fault of my own. I make my income-sensitive repayments on time and consistently, but that does not seem to stop them from illegally invalidating the agreement which we both entered into ... .THREE TIMES. 
I am at a loss for what to do about this. I can not spend the next 30 years calling Navient every 3 weeks each time they illegally invalidate my income-sensitive repayment agreement. 
PLEASE STOP THESE PREDATORY MONSTERS! THEY ARE BREAKING THE LAW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My financial information has not changed in over 10 years, but 18 months ago my wife decided to apply and activate a new credit card. Within 30 days of that action, we began to receive financial junk mail from various financial institutions around the country with offers from refinancing our home to being approved for credit cards. These unknown financial institutions know exactly how many credit accounts we own, a mailing address and sometimes phone number, the exact balance of each of those accounts, and somehow know that my wife is a veteran. 

After several hours on the phone with my bank, I determined that the only other people in the country that it could be would be the credit agencies. Low and behold I found information online that says exactly that, these credit agencies are sharing our private financial information with predatory scammers. 

I can not believe after all the negative media coverage about credit agencies and and stolen identities that they are still allowed to give out this private information. We did opt out for life a few weeks ago, but that is the incorrect solution. It has been proven that people are stealing other people 's identities and creating credit card accounts with the unauthorized junk mail being sent by these financial institutions. We should not have to figure out that we have to opt out of getting our identities stolen. 

I want to know why in this day and age of stolen identities and financial fraud that the U.S. government and the Bureau of Consumer Financial Protection is NOT protecting us from these predatory institutions. Their job is to report credit to specific organizations that WE allow to get our credit history and it 's your job to regulate this. It 's not their job to send out private information about our lives so we can have our identity stolen and our bank accounts emptied by predatory scammers. When will these credit agencies e.g., XXXX, XXXX, Equifax, etc., by law, be required to stop creating business for themselves? That 's exactly what they are doing, creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: OR

Complaint narrative:
On XXXX XXXX XXXX, 2015 I made an online money transfer through the Western Union website. The MTCN tracking number is XXXX. The receipt for this this transaction ( as well as the webpage ) stated, and I quote, that the funds will be " available in receiver 's country XXXX XXXX, 2015 ( may be available sooner ). '' Additionally, the bank and account I used to have the monies debited from informed me that the money was withdrawn and sent to WU on Tuesday XXXX XXXX. On XXXX XXXX XXXX, my bank informed me that WU had the money and even provided me with a " trace number '' to provide to WU that the funds were distributed to them. The issue I now have with Western Union is that they are not scheduled to clear the funds to the recipient in the receiver 's country unit Monday XXXX XXXX at XXXX, one week after the original transfer was made, and two business days past when the receipt they provided me promised the funds to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was approved for a Bank of America credit card in XXXX of 2015. My credit card was compromised with fraudulent charges and I disputed these charges with Bank of America. They closed my account and conducted an investigation of these charges and after their review I was informed that the charges were deemed fraudulent and credits for these charges would be credited back to my account. The credits were added back to my account but my account remained closed. I contacted Bank of America about my account still being closed after the investigation was completed and now I have been informed that the credits for the fraudulent charges have been reversed. I have been dealing with this issue since XXXX and this issue is yet to be resolved. I have spoken to several different people from Bank of America concerning this matter and every person has different information and is telling me different things about the same problem. There seems to be little or no communication between departments within this company. This has been very frustrating and this account is currently damaging my credit report. I would like to have this account resolved and all negative information being reported corrected properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation