vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-07 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: VT

Complaint narrative:
I have asked Sallie Mae numerous times to stop harassing me. I have been threatended by several Sallie mae agents that i can face federal prison, I can be arrested at my place of work and that I can be sued in court. They have called the Senior Vice President of my Company, My sister-in-law, they have left voice messages on my direct supervisors phone and my home and cell phone. They have even sent fax messages to my office. I have developed severe anxiety and have told them that I am unable to make any payments of any kind to my loan. I 've provided my financial information and monthly budget to prove that I cant afford payments, yet somehow they think that I am still capable of paying loans with a monthly income of {$1600.00}. I have given them the break down of the cost of rent ( $ XXXXmonth ), insurance/medical costs ( $ XXXXmonth ), Utilities ( $ XXXXmonth ), Electricity ( $ XXXXmonth ), Winter heating ( $ XXXXmonth ) gas/transportation ( {$75.00} ), phone bill ( {$100.00} ). At the end of the month I have {$55.00} dollars left to pay for groceries, clothes, home toiletries, cleaning supplies, feminine products, and laundry. I do n't understand how they think I can make $ 300 monthly payments. They have disregarded my request for them to stop harassing me, my co-workers, my supervisor and family members. In the state of Vermont, I apparently make too much money to qualify for welfare, subsidized housing or food stamps. I feel like I 'm drowning in a hole. Most if not all of my student loans are in default which has plunged my credit score to XXXX. I ca n't afford to buy a car. These student loans have deeply affected my mental health, quality of life, self confidence and faith. At this point I do n't know who to talk to about this. I do n't even know if anyone is actually reading this paragraph but I feel helpless and unprotected. My biggest mistake in life was attending a university. I would have been better of going to a community college. Also, your drop down options only allow me to check XXXX box. I need to check off XXXX more.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I had a loan modification through the HAMP program and it became permanent in XXXX 2015 and was filed with the XXXX XXXX XXXX County Property Deed Office XXXX 2015. I also had to file a chapter XXXX bankruptcy which was converted into a chapter XXXX in XXXX 2015. I requested to have the Debt reaffirm with Bank of America as the payments were being made. I have contacted them on several occasion in which I am constantly being told to call back and the numbers do not correspond with the FHA loan modification and therefore putting off being able to reaffirm the loan with the correct amounts as well as prolonging a discharge in my bankruptcy case. I spoke to several representatives in the BK department and finally today I spoke with a supervisor who is reviewing the papers and does n't understand it. The people that do the reaffirmation are not able to talk to me and I am XXXX. Also they are not updating the credit bureaus and reporting that I have a current loan status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was n't giving information to cancel or close 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 2015-05-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been banking with Bank of America for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Bank of America to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Bank of America at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Bank of America and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Bank of America, yet Bank of America refuses to give the form the Federal Consumer Protection Agency instructed me to get from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 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: CO

Complaint narrative:
There are XXXX loans in question that were originally held by XXXX XXXX ( a company that abused the system ). The resulting spinoff to avoid further scrutiny has meant that my loans now sit with Navient ( mind you I had no choice in this matter ). Because of overwhelming charges and their complete refusal to review an income-based payment plan I have determined to return to school to finish my degree. For the past XXXX years I have been taking enough courses to qualify for in-school deferment while I work to progess in my career and finish school with an income capable of supporting these exhorbitant fees. Navient is now claiming that I am delinquent/XXXX months late on payments all the while I have been taking classes the entire time. I spoke with a representative XXXX weeks back regarding the situation. I was told to fax in paperwork showing that I was in the midst of coursework and the matter would be resolved. I did as requested. From that point I received no phone calls. Shortly thereafter I found that Navient had not made the appropriate corrections but were instead harrassing my co-signer with upwards of XXXX automated calls a day. This is unacceptable. I have tried ad nauseam to contact Navient but their phone system traps you in a loop. Upon smashing 'XXXX ' enough times to speak with a representative, each time they claim to be unable to hear you and disconnect the call. This company is predatory in every nature of the definition. They are rude, aggressive and threatening on the phone yet have no way for you to contact them to correct THEIR errors. They are only concerned with soliciting money from whomever will answer their calls. This is unacceptable and their behavior is overwhelming and scary. We tell our youth that they can not be successful without advanced education. We then charge them rates that do not correlate to education provided but assure them that 'we ' are there to help them through loans which will be easy to pay once they have that degree and huge salary. Once the student becomes an adult to realize everything they were promised was a lie the phone rings ... this is unacceptable and at the very least we need to stop the predatory behaviors of these lenders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I live on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was approved for loan modifications payments at XXXX/XXXX/XXXX by Bank of America and transferred my mortgage to XXXX XXXX XXXX XXXX. Before they approved me for this loan modification Bank of America Loan Service have sent a letter to me and ask to pay my loan modification payments. I have sent them my Cashiers check {$5.00} at XXXX/XXXX/XXXX. I was in a process off loan modifications more then 4 years. I thought this my {$5000.00} will be apply for loan modification payments when Bank of America approved me. But I never get back my money back from Bank of America and my {$5000.00} they never was apply for my mortgage payments. I called many time to different departments of Bank of America, I have sent them letter with my questions where my {$5000.00}, but I have got many different answers. They told me they have been sent my {$5000.00} to new my mortgage service XXXX XXXX XXXX. I called to XXXX and they answered to me then Bank of America never sent them my money. I will send you all my proofs, like copies of my cashiers check of {$5000.00} back and front, the post card certified mail wich Bank of America sighted. 
Please help me to get my {$5000.00} back, because I have sent to Bank of America for loan modification payments, not for something else. 
Thank you so much. 
XXXX My email : XXXX My phone number is XXXX My previous loan with Bank of America is 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 2017-01-19 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: MO

Complaint narrative:
Hello. They told me my loans were in forbarance which the lady that told me that didnt really put my loans in forbarance so they went into default without me knowing. They started taking my taxes making it hard to prove a hardship that my family and I were going through. I finally started habilitating my loans and finished the XXXX program. They told me I did n't complete it on time so they kicked me out the program and had to start over, that 's when they continued to take my income taxes, which I feel was n't right because I finished the rehabilitation program. 



Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01 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 have spoken with navient numerous times and expressed financial hardship I have made requests to start repayment that is affordable for me they have refused to assist and have reported on my credit inaccurate information. They have not furnished the information requested by attorneys and continue to evade my request to correct the information reported

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America is processing a short sale. They are requiring the mortgagor to sign an authorization to release personal nonpublic information such as social security numbers, account balances, payment information to the real estate broker in the transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX sold me a prepaid phone plan. I called to cancel the service, but they continued my service and continued to bill me. XXXX is aware of the problem. 

Furthermore, I attempted to contact Jefferson Capital Systems by telephone at XXXX on Friday XXXX/XXXX/2016, and their phone number said to call during normal business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-09 00:00:00
Product: Credit card — 
Issue: Overlimit fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Overlimit fee paid without my consent or opt in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I have been trying to track down my student loan debt with navient once it moved from under XXXX XXXX. Due to awful communication and customer service from Navient, the debt then was moved to collections under General Revenue Corporation. They had an old address that I have not lived at for over 3 1/2 years and were sending letters to that old address which were of course not forwarded anymore. So, they started calling everyone and anyone they felt was associated with me. They had my phone number and email correct just the wrong mailing address. I find it harassing and professionally embarrassing that they were calling people who I do n't even know that they had marked as " possible associate '' on their call list. They finally called collegue over at the XXXX, at the XXXX, how mortifying! He emailed me today about it and I resolved the issue with General Revenue Corporation. I am going through my security clearance renewal and have an upstanding reputation in my XXXX community and this is just, very very unnerving. I feel that General Revenue Corporation overstepped all boundries in acceptable methods of contact, calling people I do n't even know and collegues I rarely see. My current address is easy to find online and via XXXX and public records. I went through this very long list of people that GRC had on my file as " possible contacts '' and did n't even know some of them! Creditors should not me randomly calling people who may not even know you or who may only be professional colleagues to try and contact you regarding debt. It is inappropriate and harassing behavior that can also lead to negative professional ramifications. 
I 'm happy to provide a dozen contacts as long as creditors like General Revenue Corporation do n't make up a random list on their own using whatever random methods and call professional colleagues at the XXXX. Especially when they can find my current address easily as a matter of public record.

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 2016-04-25 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: NY

Complaint narrative:
This is regarding Navient. I have two complaints against them ; 1 ) they misled me on late fees, 2 ) they will not offer flexible payment options even though I told them my income varies week to week as a XXXX, and that in the XXXX I am unemployed, as XXXX are not salaried like XXXX. 
I was put into a Rate Reduction Program from XXXX. I was told I can pick my own payment dates, I picked the end of every month as the due date. I gave them my bank account number so the payment is debited every month at the end of the month. When I logged into my account online I see that I was consistently charged a late fee of {$6.00}, and overall, my payments were applied to interests and other unspecified " fees '' that were not explained. Out of the {$130.00} I pay monthly, very little if at all goes to the principal. Secondly, when I called them to extend the reduced payments, and to ask about the fees I see online, I was laughed at by customer service, and rebuffed by the supervisor. I was denied an extension of the reduced rate, and my monthly payments will go up despite my income being the same. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 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: CA

Complaint narrative:
XX/XX/2007, I took out a private loan with XXXX XXXX in order to obtain my XXXX degree. At the time of this loan, I was mislead in the amount of penalties and interest rates that I would accrue. A loan that was initially for {$800.00} dollars, soon became a bill of nearly {$3600.00}. Despite the hardships my family endured, we were continually harassed. I worked with the company as well as I could, but most times they were n't even willing to talk to me. I eventually settled and paid the loan off through a collector for {$1500.00}. Only a few months later, I started to receive calls from another collector looking for repayment on the same loan. I called them and called the company I had previously paid. I 've sent letters to show my debt was already paid. Yet every few months ANOTHER creditor calls me attempting to obtain payment for the SAME debt. When I contacted XXXX XXXX to find out if they could fix the problem, I was informed that my loan had been transferred to Navient. Navient has " sold '' my student loan to multiple collectors. Despite the fact I have paid my debt ( XXXX XXXX ), I periodically will receive new collection calls for a loan that has been already paid. I find it ridiculous that I have to track down all the collectors my loan has been sent to in order for the calls and harassment to stop. The company I paid swears that they have informed Navient that my debt is settled and at least XXXX of the collectors told me ( XXXX ) told me they had RECENTLY obtained my debt from Navient. Despite it having been settled since XX/XX/XXXX. Surely there is something that can be done to end the calls. This is ridiculously. First I am misinformed on the amount I have to pay back, then I finally pay back the amount and continue to be harassed. Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I had a forbearance for years due to not working and being a single mom and they put me in collection because I ran out of times for forbearance. Then I got a job and they told me I had to pay XXXX a month and I told them there was no way I could afford that. They told me there was no way to lower that amount that 's all they could offer me. So again I did n't pay so I was affected with my credit then I finally kept calling and researching trying to pay something and they said I might qualify for a lower payment but they are n't sure so I had to fill out all this paperwork to see if I could get my payment down to XXXX dollars a month which is where I am now except it 's only good for six months then it will go back to XXXX a month which I ca n't afford to pay so I will be back to square XXXX. My loans were {$9000.00} when I graduated in 1999 now they are XXXX. Everytime I pay my payments every month which I have been on time every month it does n't even make a dent in the balance. This is for business school at XXXX college where I graduated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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: CA

Complaint narrative:
I have several Student Loans. I consolidated and then other companies purchased the Student Loans and the incorrect balances carried over from XXXX to XXXX to XXXX XXXX and now Navient. I made a payment of {$25000.00} in 2007 and now this payment does not show it was a credit to my Student Loan. Either the Balance was not credited or the new Student Loan company carried over the incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 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: VA

Complaint narrative:
I have XXXX accounts with Bank of America. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief