vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NJ

Complaint narrative:
Every time I have called Navient to come up a proper repayment plan, I have always received high payment options.Moreover, right now I have been given a low payment plan, but it appears that the monthly payments are not being applied to the existing open balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 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: KS

Complaint narrative:
I got my loans through Navient in XXXX. I got put through for barren twice, wasw never given another option. they made me pay almost {$500.00} to go into forbarren for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 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: NJ

Complaint narrative:
Addendum to Complaint XXXX. 
I write to provide additional information about this complaint. On XXXX XXXX, 2015, I again contacted XXXX XXXX and spoke with a representative named XXXX XXXX. XXXX provided me with additional details about XXXX XXXX lack of knowledge of the settlement and payment arrangement Navient offered to me in their undated response to CFPB and details about how XXXX XXXX and Navient have negotiated deceptively and in bad faith. Specifically, XXXX stated : XXXX XXXX received the correspondence I sent to them, and shared with CFPB, on XXXX XXXX, 2015. However, XXXX stated that, because I had advised XXXX XXXX to not contact me, they would not respond to such correspondence. As previously explained, I finally advised XXXX XXXX to cease contacting me when I filed this complaint with CFPB because XXXX XXXX had begun to incessantly call my friends, relatives, and domestic partner on a daily basis and threaten them. When a party sends a written correspondence detailing the filing of a consumer complaint and engaging in negotiation to settle the dispute, as I did, it defies reason to ignore that communication and reveals the bad faith with which Navient and XXXX XXXX conduct their businesses. 
XXXX stated that XXXX XXXX does not own the debt, and did not purchase the debt from Navient. XXXX indicated that he believed in situations where a consumer has advised XXXX XXXX to cease contact, the company would return the servicing of the debt to Navient. 
XXXX stated he had no record of the settlement and payment offers Navient extended in their communication to me through the CFPB and told me he could offer me the opportunity to make payments toward the {$64000.00} balance that I am disputing. Navient, in their letter to me and response to the CFPB, stated that they had contacted XXXX XXXX on my behalf, and that XXXX XXXX was making the settlement and payment offers. This appears to be completely untrue. Navient continues to be deceptive and knowingly provided false information to CFPB in an effort to resolve this complaint. 
Shockingly, Navient and XXXX XXXX have begun to market additional products to me through both regular postal service mail and e-mail after previously claiming to have not been able to contact me.

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: AL

Complaint narrative:
after completing paperwork for income based repayment I was approved for {$0.00} a month but according to Navient that does n't not count toward my 10 years. How can I be approved for income based payment and it not count for the 120 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
MY COMPLAINT IS WITH NAVIENT. NAVIENT FORCED ME INTO FORBERANCE AN CONTINUED TO REPORT NEGATIVE REMARKS ON MY CREDIT REPORT CAUSING MY SCORE TO DROP.NAVIENT ALSO ADDED UNIDENTIFIED FEES TO MY FEDERAL LOANS THAT MADE IT EVEN HARDER TO PAY.. I WANT STUDENT LOANS REMOVED IMMEDIATLY OR CORRECTED

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

Complaint narrative:
i was attending college at XXXX and XXXX. at the time the only loans i could get was thru XXXX aka navient and that is with my mom as a co-signer on XXXX of the loans i took out. once i stopped attending college around XXXX my debt to them was roughly XXXX, i couldnt make the payments they wanted me to make pretty much forced forbearance unto me. in XXXX i decided to try to finish school by attending an XXXX so i could continue working full time. by XXXX my " in school forbearance was up '' and they said i had to start making payments of that time the debt was roughly around XXXX. i advised them i couldnt make the {$900.00} payments and offered to make payments of roughly XXXX given my income and the needs of my son and they only solution they could offer me was another forbearance, no income base program no nothing. they had it listed on some of their documents and website that during any forbearance i could make {$25.00} to keep the interest off. During the winter of XXXX early XXXX i was informed i was no longer able to take anymore forbearances and they would accept payments no less than XXXX a month for a debt of XXXX. in just 3-4 years it doubled. because of this jump i had to move in with a friend instead of keeping my own place where my XXXX son could come and visit to try to swing any amount of money i could to try to make the payments. I made roughly 3-4 payments of XXXX the best i could do still wasnt the amount they wanted however. after realizing i would be homeless if i kept it up i filed for chapter XXXX protection to stop being hammered by their outrageous interest rates because private student loans couldnt be wiped clean or reduce using a chapter XXXX once they found out i was going into chapter XXXX they attempted to do an IBR but it was still in the ball park of XXXX dollars according to them. i proceeded to file chapter XXXX because it was the only way to escape their XXXX plus calls a day starting roughly XXXX and ending sometimes at XXXX. it also prevents per my attorney from adding on any interest to it though i suspect once chapter XXXX is over in 5 years im sure they will be waiting to add on another XXXX easily. because of all the interest that has been tacked on i am unable to buy a house or buy a car anymore because of income to debt ratio. because of these loans i have to work my self to death just to try to provide for my son and also to make sure my mom doesnt inherit any of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 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: GA

Complaint narrative:
XXXX XXXX sold our loans to Navient. Naivent claims they 're unable to provide any sort of amortization chart simply because the loans are marked " variable interest ''. However, they 're also unable to answer how since 2012 when those " variable interest rates '' have yet to spike over 5.75 % that in over {$35000.00} worth of payments, almost {$20000.00} has gone strictly to interest leaving the other {$15000.00} to be applied to principal. I 'm not a genius, but that math just does n't add up to me. They 're scripted answers will not suffice for this household. After seeking council from a professional, we did some research and found that the Consumer Financial Protection Bureau has a lawsuit against the institution. " The lawsuit alleges that Navient provided bad information in writing and over the phone, processed payments incorrectly and did not act when borrowers complained about problems. '' They have continued to fail their customers by deceiving them when it comes to the ability to pay back their loans in a timely manor. These crooks are simply out to XXXX the dollars out of students and their families for as long as they possibly can. They have to be stopped. Loans should be easily consolidated when purchased by a third party rather than forcing the payee to split their payment over several loans. This adds to the confusion and makes it extremely difficult to understand where you are in terms of repayment, not to mention it makes it virtually impossible to ask questions over the phone with their terrible customer service workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 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: NY

Complaint narrative:
Navient has continuously charged me even though i am still in school and should have a deferment. When I call them, they claim they never received my paper work and force me to take forbearance. I end up missing a payment because I think im still in deferment status and it has had a negative effect on my credit. I am trying to improve my credit and Navient keeps causing issues. They have done this numerous times. I dont get how they never receive my paperwork. Or how it is possible to know I left school and charge me the very next month the semester is over. But they never seem to know when I am still in school, even when I follow their rules. When I asked them they responded with, they get a quarterly report. If that was true how is it they when I am done, even if I had drooped mid semester. Would n't they know when the next quarterly report was received. This is not the case with them one bit.

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 get flexible payment options
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I called the Navient Private Loan line on XXXX XXXX, XXXX at XXXX in regards to my repayment options. I graduated from XXXX school in XXXX and my Navient payments began in XXXX. The Navient loans that I had taken out for my XXXX institution back in XXXX and XXXX. Upon my calling, I had requested to know what my repayment options were since I would soon be starting a job, just not in time to make the first loan payment in XXXX. The woman stated that my only option would be to put them in forebearance which would cost {$100.00}. I tried to explain that I could n't afford to do that this month since I had not began work, hence why I had called. I asked if there were any other options. She stated there were none. I had hoped to establish a income based option just for the month of XXXX but was not granted that option or any others. The woman also expressed that I should just call back to post date the forbearance repayment if I could not make it at that time. I explained that I would be starting a new job and depending on the date of my first paycheck I could potentially make the first payment. She again stated I had no other options except the forbearance. Should I have elected to pay for the forebearance and end up being paid my first paycheck in time, it would have been a waste of {$100.00}. I tried to explain this to the woman, but she again said my only option was the forbearance and if I did n't pay my payment within the 15 day window it would immediately be sent to collections to ruin my credit. I had also tried to understand the forbearance payment and whether or not it would include the interest payment that I had been paying monthly since I took out the loan. At first she stated I would have to pay it in addition to the forbearance charge. Later when I asked again she denied saying that, which led to even more confusion. I ended up having to end the call because she was being rude and unhelpful. So now I am stuck hoping I can make this payment in time with no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I have been with Bank of America for 13 years, and recently I have been treated unfairly. My Checking account product type was changed without my permission or notice, and I did not receive any disclosures. 

My checking account did not have any fees in the previous years. The first fee showed up on XXXX/XXXX/XXXX in the amount of {$25.00}, I called their customer service line and had the fee reserved and the account product type changed to a lower balance checking account. However, the BOA customer service did not complete the task. I then followed up again in XXXX XXXX, and was notified the account type was changed and the fees would be reversed. Which did not happen ... I followed up in again on XXXX XXXX, and then again in XXXX XXXX, and now today XXXX XXXX. I was promised in XXXX and XXXX XXXX the account type was changed and the fees would be reversed. Which did not happen ... 

I find it distasteful that a Bank of America can change the account type without notifying the consumer, charge fees without a disclosure, drop the ball on multiple occasion in customer service, forcing the customer to follow up constantly regarding the account product type change, and assessing fees that should not be assessed.

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 2015-05-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am sending this credit bureau dispute directly to the CFPB only because I could not locate and address on either lenders bills ( I have an older copy ) or website for the address a consumer may submit a direct dispute. Both Lenders do provide an address for NOE and RFI requests. I did originally refer to my efforts to force the sell of the home with a previous NOE/RFI request sent to both lenders. 
During the past XXXX years, I 've tried to make every effort and spent XXXX of dollars in attorney fees to force my ex-husband to either refinance or sell the house. Although he has XXXX intention to stay in the home ( he is moving to South Carolina in XX/XX/XXXX ), he has refused to sell the house or to allow me to coordinate the sell of the house. It is his final act of abuse to intentionally ruin my credit. I 've attached XXXX court orders that try to force him to sell or refinance the house. He has either ignored the request of the court or filed an appeal to delay any action. The most recent order on XX/XX/XXXX was appealed to the XXXX, simply as another way to ensure that my credit is ruined. He represents himself which allows him to freely continue to file these appeals, which take time to move through the system and money on my part to defend. 
I know that a court order does not supersede nor negate my financial responsibility to this debt, but I am asking that this trade line be deleted from my credit bureau. When I was finally able to escape my abusive marriage XX/XX/XXXX, XXXX continued to find ways to harass me and ruin any chance that I would have for financial independence. I 've also attached a copy of my credit report from XX/XX/XXXX that demonstrates that the only bills in a negative status are those for the XXXX XXXX property. I have a credit monitoring service which just alerted me that he is now XXXX days delinquent on the XXXX mortgage and XXXX delinquent on the XXXX mortgage and because the latest order to force the sell of the house is in appeal, I ca n't do anything to change this situation. 
I need help and any consideration would be appreciated. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
MANY HARASSING PHONE CALLS PER DAY

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I had a XXXXAmerican Express credit card that had accumulated XXXX world points on it. XXXX XXXX XXXX XXXX proactively decided to close my card with out telling me. Now I am not able to redeem my points and am wondering what gives them the right to steal XXXX points from my 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 2016-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: PA

Complaint narrative:
I paid off a debt item in early XXXX 2016. I was told my credit report would be updated at the end of the month to reflect the credit was paid in full at that time. I had my report pulled a couple days ago and the item is still showing that I owe the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We have a 0 % introductory amount owing to Bank of America as well as an interest accruing amount. Bank of America is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?

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 2016-01-09 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I called bank of america to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from bank of america. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Bank of America put a hard pull on my credit report after stating over and over again that it would not be a hard pull

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has denied a Loan Modification on my primary and upon reviewing the limited NPV results they provided, I discovered incorrect income. No mentioned of appeal process, so I come to you for your assistance.

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 2017-02-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp
State: OR

Complaint narrative:
At the time I applied at Lending Club for a {$20000.00} loan I was desperate, but did not fully understand the fine print, nor did I fully understand my payment would be $ XXXX/mo and they would only give me {$19000.00}. I am experiencing extreme financial difficulty currently and ca n't make the payments now and am afraid of legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Bank of America checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated " Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: MD

Complaint narrative:
I have a federal student loan with a company called ACS. I have tried multiple times to set up an income based repayment plan with them as I have with other loan companies. ACS consitantely claims they never received my application via fax nor my documentations. I sent the documentation ( 3 ) times. I never heard anything back from them. Every time I called they claimed they never received my documents. I received a letter in the mail that stated if I did not send them {$30000.00} by XX/XX/2017 my loan would go into default.This was after I tried multiple times to set up various types of payment plans with them. They stated I was not eligible for any type of deferments or forbearance 's until I bring my account up to date by paying them {$5000.00}. I have never been behind in my loan payments until ACS became my loan service. I am desperately trying to avoid the loan I have with them from going into default however they are not willing to work with me at all.

Company response to consumer: Closed with explanation