vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
I HAVE A PREDATORY REVERSE MORTGAGE WITH XXXX MORTGAGE, FORMALLY XXXX REVERSE MORTGAGE. THEY CHANGED THE NAME OF THE COMPANY TO XXXX, BUT STILL OPERATE OUT OF THE SAME ADDRESS AND PHONE NUMBER AS XXXX REVERSE MORTGAGE. MY CHECK SHOWS UP AS LATE AS THE XXXX OF THE MONTH, AND THEY HAVE REDUCED MY CHECK BY {$150.00} PER MONTH DUE TO A FLOOD INSURANCE COMPANY CLERICAL ERROR. ALSO, I FIND OUT AFTER THE LOAN IS IN PLACE, THEY ARE NOT PART OF HUDS REVERSE MORTGAGE DATABASE FOR PROTECTION. HOWEVER I WAS GIVEN HUD APPLICATION FOFMS TO SIGN AS PART OF THE LOAN PROCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
I have a loan for my home with SPS serviceing my wife has been out of work due to a XXXX and XXXX my job is the only income. irequested help from SPS they sent me the paper work and sent it in in XX/XX/XXXX here it is XX/XX/XXXX and they tell me that they turned it down because they did not get the documents. they said I could submit the again with I did and I confirmed that thay di get them. I realy want to keep my home and keep paying on it. and I 'm trying as hard as I can to work with them but I keep getting this run around my name is XXXX the home address is XXXX XXXX tn. the home is up for sale in XX/XX/XXXX I 'm working as hard as I can to get this held off until something could be worked ou on getting the payments current. my home number is XXXX muy home is XXXX so I 'm asking for any help that you can give me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Office of Joe Pezzuto, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I sold my interest in a XXXX company, and divorced my husband who immediately moved back to XXXX. He and the other XXXX partners kept the company alive, while I bowed out of the picture completely. On XX/XX/XXXX, I received a letter from a collection agency stating I owe {$78000.00} on a line of credit they claimed I personally guaranteed. They are unable to locate this " supposed '' contract and are threatening to ruin my - quite frankly - perfect credit. All for a debt that is NOT mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
XXXX/XXXX/XXXX Complaint Sent to the Consumer Financial Protection Bureau I am complaining about apending illegal eviction. 
My son has a valid, notarized lease on my mother 's house, executed on XXXX XXXX, XXXX. On XXXX XXXX, the house was foreclosed on, but my son continued to live there and pay rent. He has been paying on that lease in exchange for his right to live in the house. My mother has moved out of the house because she had sustained several XXXX and was unable to take care of herself. She is using the money to supplement her social security income to pay for her care in a local XXXX home. 
On XXXX XXXX, XXXX, we received a Notice of Eviction. They sent a form for a renter to fill out describing the details of the rental arrangement, entitled, " Change in Occupant Questionnaire ''. My son sent the form back, along with the lease. The document was sent certified mail to the law firm as well as to the holder of the mortgage, XXXX XXXX. Also sent were payment receipts, initialed by my mother. We know they received it, because they signed for the certification. This indicates that Nationstar and law firm were aware of the lease, and that they were aware of Maryland state law. 
On XXXX XXXX, my son received a sheriff 's notice ordering him to vacate the the premises and a writ of repossession. AT NO POINT HAS MY SON BEEN CONTACTED ABOUT THE VALIDITY OF THE LEASE. 

REMEDY : we want the loan servicer and the law firm to honor the lease and rescind the sheriff 's order before XXXX XXXX, XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Concorde Land Title Services, Inc.
State: FL

Complaint narrative:
We purchased a home and paid cash ( not contingent to financing ) in XXXX XXXX XXXX, Florida. The SELLER chose the title company ; and in doing so, agreed to pay for the title policy and associated costs. At closing, the title company charged us ( the buyers ) a fee which we never agreed to of {$350.00} as a " processing fee ''. We argued that we had our own attorney representing us and wouldnt pay a fee to a third party company who was selected by the sellers and not by us. The title company threatened that if we didtn pay the fee, they could stop our purchase and cost us our deposit which was a large amount of money. We are pretty sure that this type of act is a direct violation of RESPA and needs to be addressed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
# XXXX Closed on property XX/XX/2016. Nationstar loan was paid in full. On XX/XX/2016 ( four weeks latter ) Nationstar reports unpaid to the credit bureau and destroys my Credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Select Portfolio Services claims in their response to my complaint XXXX that XXXX made a " Protective Advance '' when they paid off XXXX XXXX. What were they protecting? I was not under threat of foreclosure from XXXX. 
Also, where in my mortgage document with XXXX XXXX ( the original mortgage holder ) does it even mention " protective advances '' or anything like them? 
No matter what SPS tries to call it, it was a cash out refinance, entitling me to both disclosures of disbursement of funds and the right of recision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
My mortgage was sold to Nation Star by XXXX Mortgage. I was in the process of paying my mortgage off as the sale of my loan took place. The payoff was received by Nation Star on XXXX XXXX. Since then I have been trying to finalize the paperwork with Nation Star. According to Nation Star my name is not correct in their system. My husband 's is. I have been told twice that I need to fax a copy of my Social Security card to them in order for them to correct my name. I have declined to fax my Social Security card to them. I have been advised by a consumer agency not to do that, but I am willing to send my Driver 's License, the copy of the Deed from the Courthouse, bills, etc to prove the spelling of my name. Today, XXXX XXXX, 2016, I asked them to look at the records that they have, including the Security Deed, to see if my name was correct on the paperwork associated with the loan, and use that as verification of the correct spelling. While on the phone with Nation Star representative today, she told me that is was Nation Star 's policy to hold onto a lien as long as possible, that she did not have a copy of the Security deed and that I would have to send a copy of my Social Security card to have my name corrected. XXXX Mortgage had my loan for several years before selling to Nation Star and I never had a problem with my name being spelled incorrectly. I want the deed to be sent to XXXX XXXX courthouse, with my name spelled correctly so I can be done with this institution once and for all. 
I am also concerned with the fact that their recordings and statements that they read off states that they are a " debt collector and that the information collected during the recorded phone call will be used to collect a debt. '' I thought XXXX Mortgage sold my loan to another mortgage company, not a debt collection agency. The sheer amount of complaints about Nation Star Mortgage 's less than ethical behavior concerns me and should be an indicator that there are major issues in their business practices. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
I Was In A Chapter XXXX Bankruptcy When Nationstar Purchased My Mortgage. Nationstar Failed To File The Proper Doc. With The Court So The Court Held Their Monies For 10 Month Until The Docs. Were Filed. At Such Time The Monies Were Released And Nationstar Was Paid Current. Upon Exiting Bankruptcy Nationstar Informed Me I Was 10 Months Behind. I Obtained Court Docs. And Bank Statements Proving All Payments Were Made. They Still Said I Was Behind And Proceded With Forclosure Till I Signed A Loan Mod. Which Was 40 yr. I Only Owed 15 yrs To Start With.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Bank of America has a history of abusing the elderly and XXXX veterans.

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 2016-01-23 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: NY

Complaint narrative:
I have multiple private student loans with Navient. I have been in numerous agreements on monthly payment plans. I was threatened that if I did not make a settlement payment I would face legal actions as would my co signers. I examined that financially j could not make such a payment and they continued to harass me, my employer, my husbands employer, my Mother in law, even my next door neighbor. I finally had to borrow the money and paid them {$8000.00} down. I requested a receipt and explaination as to how this payment was being allocated and the new payment plan l. I never received anything o asked for and then they continued to harass me and asking me for another large settlements. This is absolutely ridiculous. When I have no problem making realistic monthly payments. 
Then sometimes they withdraw 2 times for same payment and do not reimburse me. This is out of control and does not seem to be legal! I need it to end

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
my wallet was stolen along time ago and now im receiving a letter stating I owe a banking institution this is not me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 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: IL

Complaint narrative:
Hello, my name is XXXX XXXX. Over the past year, I been trying my best to get my student loans together regarding the different programs. I sent in a dispute because my student loan had started reporting late payment in XX/XX/XXXX. I thought I submitted the forbearance documents which I found out later I did n't. I received a letter explaining what happened and they noted my credit report as disputed Item and if I wanted to remove the note '' dispute '' remove off my student loans I will have to submit this request in writing. Per there request, I submitted the information requesting for them to please remove the statement '' Disputed item '' off my credit report. However, as of XX/XX/XXXX XXXX has not removed this from my trade lines. This information was sent over about six months ago. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
i was attending school had been XXXX but my student loan money was put into my mothers account i had to rely on her for transportation i was planning on buying a vehicle to be able to get to and from school. i had dhs involvement and troubles with daycare and informed incorrect information by government agency. i also have had a car accident that resulted in XXXX with me being the almost fatality. i was a XXXX and have alot of XXXX issues. i since have had my rights terminated to my children and i have been trying to return to school. i also have my deffered judgment in regards to my XXXX

Company response to consumer: Closed
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America foreclosed on me wrongly! I was under a loan modification at the time of foreclosure and i had done and submitted all my paper work the bank had asked me too! They are claiming i did not and foreclosed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-22 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: TN

Complaint narrative:
I have XXXX paid loans from XX/XX/2006 that show eight late payments that need to updated. I was not late. I was actually in school at the time at a new school. I paid these off in full, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 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:
I have an incredibly high student loan debt near {$200000.00}, half with Navient, and half with XXXX. I have already submitted a claim for XXXX since they do not have an Ombudsman office. For Navient, I spoke to a very nice woman in the Ombudsman office who said she was essentially executive management at Navient, and whatever information she provided was the best I could get. I send her the Cost of Attendance estimates that my school, FIT, provided from the Financial Aid office, which is what they said was considered when they approved all of my loans. This is very disheartening, as I believe about 60-70 % of what I was approved to take out was irresponsible and way too much based on the Cost of Attendance estimates. Navient 's contact said that there was nothing she could do, since I signed the promissory notes - she offered no additional options or advice. She even agreed I should speak to a lawyer regarding my issue. I want to live my life, not be burdened by the mistakes I made when I was XXXX years old. I need to be able to save for a house and family. I need options other than paying this loan back until I 'm XXXX. I also need someone to take responsibility for the predatory lending I am a victim of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BANK OF AMERICA CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T " HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. BANK OF AMERICA REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.

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 2015-05-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Bank of America, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 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: MA

Complaint narrative:
My name is XXXX XXXX, SSN XXXX. I cosigned for a loan for my daughter XXXX XXXX XXXX. I filed a complaint against Navient a few months ago because Navient reported 90 late payment to the credit bureaus after constant communication with them. In XXXX 2015 I was told to make a payment to stop the reporting and at that same time I was reported as being 90 days late. I have never committed to monthly payments or I would have paid them. XXXX communicated with Navient re : her payments. I have never had a late payment with Navient. Their agreement was with XXXX to pay monthly that I was not a party of. In XX/XX/XXXX, I paid the {$500.00} to clear my name and they will not change the status on my report. I think the late 90 day notice should be reported on XXXX 's report no mine. I have been denied a house loan because of this I did not agree to pay. Also, Navient continues to harass me weekly. XXXX has been in school full time since XXXX 2015, and I get calls every Sat and Sunday although an in-school deferment was submitted. I would like to have someone follow up and assist me with this complaint. To date, I have not outstanding loans with Navient and have never had a late payment. Please help. I would like to purchase my home but need the 90-day late payment deleted from my report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: PA

Complaint narrative:
I used navient after they bought out my XXXX XXXX loans. 

They pushed me into going into forebearance and did not explain that I would be paying the interest even though I was not making payments. Also they did not explain that I could be on income based repayments and would have had {$0.00} payments while in my first year of internship, since my previous year I was a student with no income. They did not properly explain all of my repayment options and pushed me into forebearance. Now, I have stared with income based repayments and I am on tract with the federal student loan foregiveness program. Because of them, I missed out on being in this program for 4 years ( which would have qualified towards the forgiveness program ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: MD

Complaint narrative:
I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.

Company response to consumer: Closed with explanation