vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 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: NY

Complaint narrative:
My name is XXXX XXXX New York,XXXX Email : XXXX Phone : XXXX I had a student loan since XXXX, XXXX sold the loan to another company NAVENT in XXXX. 
Now they rise the amount {$69.00} to {$99.00} Never receive a previous notification. They said I sign 2 years ago the authorization for this rise ( No document received for this, and I never signed this authorization ). 
Now they offer me a new deal, pay some like {$45.00} per 1 year and after paid {$190.00}. 
My salary is only XXXX per hour, I can not afford this increase. 
Why do I need to sign a new deal with new conditions and increase the interest. 
XXXX Account was XXXX NAVENT Account is XXXX. 
What can I do to prevent this increase. 
When I tried to call NAVENT, I needed to wait for more than 20 minutes. 
Please can someone in your organization help me for this abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 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: GA

Complaint narrative:
Bank of America just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29 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: IN

Complaint narrative:
I 'm three days away from defaulting on my loan. For the past 6 months I 've tried to work with my provider to keep up payments and they have n't been helpful. I received advice from a service rep to allow my account to go into collections after XXXX months to receive more options for help with my loans. This has not been my experience. No help or alternatives were given.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am trying to purchase a home loan and when the lender ran my credit report it showed that I owe {$120.00} to XXXX and it went to collection without my knowledge. I have not received any past notice on this issue. I have called and spoke to numerous customer service reps to get this resolved but I am not getting any where. On XX/XX/2017 at XXXX I spoke to XXXX at XXXX the collection agency and explain to them the problem but they could not give me any details on what the charges were for but only wanted to collect the debt.On XX/XX/2017 at XXXX I spoke to XXXX at XXXX to resolve this and they still could not explain what the charges are for. I also spoke to XXXX from Jefferson Capital LLC another debt collector on XX/XX/2017 at XXXX still no explanation to what the charges are for.I am willing to pay for this amount of {$120.00} if they can provide me more detail onto what this charge is for. I am trying to purchase a home and because of this it 's affecting my credit to qualify for a home. Please help me resolve this problem. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 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: OH

Complaint narrative:
I am XXXX XXXX and need a forgiveness from XXXX. Ihave been told by them there is no guarantee they will cancelmy loans. What should my next step be concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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: MN

Complaint narrative:
I am a graduate of XXXX in XXXX, NY. I have XXXX private loans services by Navient. They loans have now entered repayment and the total due monthly is about {$730.00}. In tandem with my federal loan debt obligations, these payments combined with my housing costs consist of 85 % of my monthly income. It is unsustainable for me to possibly keep up such high payments. Upon calling Navient, I was informed that only XXXX of my loans was eligible for a temporary reduction ( 12mos ) after which my payments would become even higher than they were originally. I was told that my other loan could not be reduced because it was disbursed before XXXX XXXX. I requested more information about this " XXXX XXXX '' deadline and only received repeated answers, " it was disbursed before XXXX XXXX '' and no other explanation. I attempted to explain the financial hardship these payment costs placed on me but was met with indifference every step of the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 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: UT

Complaint narrative:
Original principal going from XXXX all the up to XXXX. Seems a little steep and no wonder myself and any others are having trouble repaying student loans. God forbid the school making false promises to students with guaranteeing career placement and being able to repay loans within the first couple years. I was able to get my federal loans on a repayment plan, but this " private '' loan through the same company is totally different. They want all the money, and they want it NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
We financed a house with Bank of America in XXXX and the market that crashed in XXXX took down a lot of businesses. XXXX XXXX did n't have a lot of work and was dealing with a back injury. We held on until XXXX and tried to make payments the best we could. In XXXX of XXXX we applied for a loan modification with a company called XXXX XXXX Modifications. They promised that our payments will be lowered and we will be able to refinance and live in our home. It all turned out to be a scam though. They acted like they were trying to help us but on XXXX XXXX they canceled the loan modification without giving us notice. Then they disappeared into thin air and took all our money in the sum of {$4800.00}. And did n't help us any. After the appointed court date passed the " lawyer '' that we hired gave us the paper that we needed to go to court, but as the date passed already we could n't do anything. On XXXX XXXX XXXX a XXXX XXXX XXXX brought us a pink paper that stated we were getting evicted on XXXX XXXX XXXX because the house had been sold without our knowledge. By this time XXXX XXXX of New Leaf Modifications and XXXX XXXX the lawyer that we hired through XXXX disappeared. All the papers that we got that printed out from XXXX XXXX Modifications printed out on XXXX/XXXX/XXXX we got only in XXXX of XXXX in the mail. Now 7 years later XXXX XXXX has a debt of $ XXXX without living in the house since XXXX XXXX. If there is anything we can do please help because XXXX ca n't work since the banks keep taking his money every check we put in the bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 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: ID

Complaint narrative:
After graduating college in 2002 I began to repay my student loans. I had approximately {$17000.00} in Federal subsidized loans. After struggling to repay them, XXXX XXXX reached out to me to consolidate my loans into a lower, monthly payment. I agreed to consolidate my Federal subsidized loans with XXXX XXXX. Unfortunately, I ( nor my mother, who was helping me make this decision ) did not fully understand what I was agreeing to, nor was XXXX XXXX forthcoming in disclosing that the lower payment would be interest only. Not until the interest only period was up, and I received a notification that my payment was increasing to include a small portion of my principle, did my spouse and I inquire about the terms of my loan. I contacted XXXX XXXX to ask for a copy of the loan terms and promissory note. After several more requests for this information, XXXX XXXX finally agreed to send me a copy. The promissory note did not have a physical signature on it and the note itself, was very vague pertaining to the loan terms. 
Clearly the terms were not fully disclosed to me because shortly after I consolidated the loan, I went back to school ( which was my plan at the time of the consolidation ) and made interest only payments during that time. However, if I had left them as Federal subsidized loans, I could have deferred them while I went back to school and not paid any interest. 
After reviewing the loan with my spouse, I reached out to XXXX XXXX to attempt a mutually beneficial resolution because I felt mislead and uninformed. XXXX XXXX refused. 
I contacted the Inspector General 's Hotline to report this. They told me that there was nothing that they could do for me. I did n't know that the Bureau of Consumer Financial Protect existed to assist similar people in my situation, until a recent report was published describing a lawsuit involving Navient ( i.e. XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I contacted my mortgage company Bank of America and requested assistance though a home loan modification in XXXX. I was told by my customer relationship manager that I was eligible for a home loan modification based on information submitted. I sent out the required documentation once I received the packet. I called him and advised that it was taking a long time to receive the information. He told me that the info should have been sent out overnight via XXXX. He stated that he would notify management of the delay. The information instead was mailed out weeks later. This was in the month of XXXX. In XXXX 2016 I received a letter acknowledging receipt of my info. The letter also advised that if any or documentation was required, I would receive a letter spelling out requirements. I was never provided as response as to why I was not receiving correspondences as the letter stated that I would. I never received anything else from the bank. I spoke to my Customer relationship manager several times and he would advise of what the underwriter was asking for. They asked for the same info for XXXX4 weeks in a row. The separation agreement between myself and the borrower, an explanation of XXXX of the child support orders, and a few explanations of deposits/withdrawals on bank statements. I repeatedly sent over the same documentation and they continued to acknowledge that they had it yet continued to ask for it. 2 business days before the sale date they requested the other borrowers information, as in check stubs, bank statements, tax returns. Initially they told me that I did not have to submit that information and could apply on my on. A Quit Claim deed was submitted as well. I submitted the other borrowers information on XXXX and they received. I was told on XXXX/XXXX/16 that the foreclosure would be submitted for postponement due to all docs on file. The sale was never stopped. In fact on the day of the sale I was still being asked for documents. I know that Bank Of America deliberately ran the clock out on me, never providing any alternatives to the modification, nor giving me the opportunity to request any other avenue of assistance, when they had all the required info to make the determination or a decision. They dual tracked my account with the intentions of stealing my home.

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 2017-01-30 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: ID

Complaint narrative:
I am currently a student loan holder with Navient. I have for years now been fighting with them to provide paper work for the life of my loan which has not been available to me until just recently. I questioned the balance many times with them and the payments that were applied often did not match with the overall balance, payments were not being applied correctly. When I questioned the company I was given many different excuses that really made no sense. I was also told that my cosigner could be released from the loan and that has still not happened after making 8 years of payments. This loan continues to make no sense and I believe due to payment malfunctions/neglect the overall remaining balance is incorrect and many payments have been applied incorrectly impacting the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America represented to me a Trustee Sale at auction will be held on Friday, XXXX XXXX, XXXX at XXXX. This is untrue as no public auction will actually take place as represented. Bank of America has already sold any debt associated with my home and account in XXXX XXXX after having removed the cease and desist collection coding from the account on XXXX XXXX, XXXX. 

All previously mentioned resolutions for the injury and harm caused are desired and mandatory, including all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied and assessed to this mortgage account at a compounded daily interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, to include mesne profits, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, TARP, MHA, HHF funds since XXXX. 

Damages are calculated as followsXXXX : STATUTORY : {$50000.00} for every household member, mesne profits, plus Median Property Value ( MPV ) and all amounts ever assessed on or associated with the real property and home loan mortgage account, personal property of at least {$300000.00} or actual value, whichever is greater, and all litigation costs. Household pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Payment of all property taxes and insurances for a minimum of fifty ( 50 ) years and three ( 3 ) times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each instance of every cause of action listed, plus an additional 10 % of the total monetary damages ( statutory, exemplary, and punitive ). 

*Death claims are an additional trebling of calculated total damages for each instance. 

**Seniors and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. 

***Next of kin may bring a private right of action provided there is first hand knowledge and next of kin status can be proven. First hand knowledge is assumed if next of kin was a member of the household. 

I did not default on Bank of America. 

Bank of America defaulted on me! 

Bank of America must stop themselves from defaulting on consumers of mortgage related products and services.

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 2017-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I paid for a loan with a college to be forgiven by a loan forgiveness company. In XXXX of XXXX I was informed by someone at Navient that the amount that I owe is for a XXXX college as their system shows. They then corrected it to say that it was for the loan that was supposed to be forgiven and that the forgiveness company was in my file. Also that she would look into the situation. I had also written a few letters to Navient stating that my loan had been forgiven, and got basic responses that did n't pertain to that fact. 

There was silence for a while, then the emails started back up asking for a payment. " Person B '' at Navient informed me that I would qualify for an economic hardship deferment, and promised that I would get it the hardship for quite a few months. She stated that the forgiveness company was a scam and not in my file. 

Meeting with issues on filling out the documentations, I called Navient and spoke to " Person C ''. I asked to record the talk due to the fact that I had been told so many lies by Navient and the fact that I needed to get to work and wanted to remember what was said. She ran me around in a circle for 45 minutes before giving me a number to call, which was wrong anyways. 

I called yet again due to harassing phone calls and emails and spoke to " Person D '' just to inform them that I was sending in the documentation soon that was needed and that I apologize for sending it late. That I had been having issues and that " Person C '' gave me wrong information. He informed me that my account was red flagged and only the higher ups at Navient could contact me. He also informed me that the hardship would be for 36 months. He also informed me that the forgiveness company was in my file and that it was reputable company but might take a while to be forgiven. 

After sending in the documentations, the calls stopped perhaps due to the fact that I sent a letter of cease contact, though I got XXXX back stating they were federal and did not need to follow The Fair Debt Collection Practices Act. 

I then got a phone call from " Person E '' in XXXX who called numerous times in XXXX morning using a Private phone number informing me that the hardship only lasted a month and that I did n't qualify for it. The woman was rude and did not care for what I had to say about all of the deceit that I had already gotten. 

I was also Harassed with phone calls almost every day from XXXX/XXXX/XXXX to XXXX XXXX. That then picked back up in the beginning of XXXX of XXXX. This did not help my XXXX or my XXXX. 

And all of this after I had paid {$400.00} for the loan to be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 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: NJ

Complaint narrative:
After I got divorced in 2009, I decided to return to school and got my XXXX in XXXX. By the time I finished school, my loans were approximately {$30000.00}. Unfortunately since that time I have been in financial distress and unable to repay these loans. I was advised by both XXXX XXXX and Navient that I should go into " forbearance '' until I was more financially stable. Well, with today 's economy that never happened and my forbearances have been depleted. Navient has informed me that my payments will be well over {$900.00} a month and there is NO WAY I am able to afford that. I started by loans in the amount of {$30000.00} and these loans are now up to $ 80,000+ because of these unjust fees being charged by Navient! I am XXXX years old and there is NO WAY I can afford to repay that amount of money and the customer service at Navient will no cooperate in any way shape or form. I recently heard of the civil suit against these XXXX companies and was wondering if there is anything or anyone that can be of assistance to me. I am in dire need of HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2016 I was researching for a good option to payoff a high interest mortgage I have on a property. I came across a good opportunity from Bank of America and started the application process for a line of credit. They asked for a good estimate of the value of my property and request my realtor to prepare a value analysis, he told me I can market it at least at $ XXXX. I requested a $ XXXX line of credit based on this number. After a month of sending tons of papers and information they came back telling me my property was appraised at {$560.00} based of some data. At that time I requested a full appraisal of my property because I did a lot of improvements to it with add value. To my surprise, the bank assigned the same company and the same XXXX who did my appraisal 2 years ago and came really low did this appraisal again. XX/XX/XXXX the bank called telling me the property was appraised at $ XXXX, totally disappointed, he did not even considered the money I spent in the remodelation and extra futures. When I requested copy of the appraisal I found out that it had a lot of discrepancies, and it needed to be reconsider and I also sent more comparables since the appraiser said he was not able to find recent comps for my property and he used some that had more than a year ago! Today I received a call that my petition came at the same price! They not only waste my time, my money, my patience but also are damaging my credit! They even endorse my policy with a loan that it seems they did n't want or have interest in giving ... totally disappointing. I hope no other clients get damaged the way I was.

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