vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Utah System of Higher Education
State: OR

Complaint narrative:
I have been on an income-based repayment plan for my student loan for several years. Recently, my loan servicer, XXXX, sold my loan to XXXX XXXX sent my income-based repayment ( IBR ) application weeks AFTER they say it was due. They mailed it on XXXX XXXX, 2016, according to the date on their letter with the application. It arrived on XXXX XXXX, 2016. Their letter said the application had to be returned to them by XXXX XXXX, 2016 -- weeks BEFORE THEY SENT IT or I 'd have to start paying {$71.00} a month. 

I wrote a letter along with my IBR application, explaining that I could not send it in before they even mailed it to me. They ignored my letter and began billing me.Apparently, they wo n't process my IBR, although I have been in the program for years and should be paying {$0.00} based on my income. 

I can send you the letter, the application, and any other evidence. If you look at the XXXX XXXX you 'll see they are doing similar things to lots of other people who were on IBR and have been unfairly removed from it by XXXX. This outfit is a scam, preying on people who ca n't afford to fight them.

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 2016-09-01 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
Never received statements on the credit card, or have the credit card in my possession as I made it aware to Continental Finance that I had lost my XXXX credit card but could n't get a new one due to the account being closed. I would like the late payments to be removed from my credit report.

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 2016-12-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC
State: TN

Complaint narrative:
they had a hack into their credit card system, I was n't informed that my card and all the cards who got hacked would be of no use. I went to pay my credit card and it said my balance was XXXX dollars, I thought my husband had paid off the remaining debt, so I thought nothing of it only for me to see that I 'm getting calls from the creditor saying I was late etc and threatening to go after my credit rating. immediately I said my end of it and instead of apologizing they said well you 'll still have to pay the late fees however we wont charge for the over the phone payment and that they would be sending out my new credit card to the new address that I currently live at and that I should throw away the old credit card. so I wait and wait all the while making payments only for the new card to never arrive. 3 months of making payments without any access to my funds or online access then after this I very helpful supervisor saw me make a payment and asked me had I received my card, to which I replied no I had not. she was outraged she said none of your information here has been updated, and they have me down under the same info. so she mails out to me finally the new card only for it to only be activated by .... ( get this ) my old phone number which I had issued when I applied a number that I do n't have anymore I lost that along with the info as I relocated to tn from Michigan. as she goes to try and activate via phone she says its been put on here that you requested to not be phoned about your credit card XXXX I said what???? why would It say that I never asked for that so obviously I 'm being discriminated against by one of the supervisors there who at one point did give her name and its said to be XXXX, however this has just been draining, and more closer to emotional damage. as well as it can interfere with me being able to provide a good XXXX for my children. they once again gave me the same fax number that I had tried to call for 3 weeks in a row that remained ( busy ) ... .. I believe I 'm being discriminated because of my race, and my funds and my credit have been unjustly withheld from me. at this point I will try and do the fax number again, however ... .. I am tired of swimming against the stream of this corporate giant and its workers who think that they can just walk all over people and make life harder than it already is, I do n't know what else to do but to file a complaint. at this point it just seems useless. I remain hopeful that you and your company will be able to help remedy me of this problem thank you .the credit agency in question is continental finance and the card is the verve card.

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 2015-06-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: ME

Complaint narrative:
Reporting XXXX different balances. I was informed the extra balance is a " collection fee ''. I have never heard of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I had made a payment on my " VERVE '' credit card on XXXX for {$100.00}. This payment was made as it has been for months. Yesterday I received a call from the credit card indicating that my payment has not posted due to " incorrect or wrong account information ''. I called Verve ( continental finance ) and i was advised by the representive that their website had some work done. I asked why they wouldnt advise the payor that they should reenter their information. Instead they marked my account deliquent and assessed a {$25.00} fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Per the Deed ofTrust, we reinstated our loan on XX/XX/XXXX the amt due of {$32000.00} was funded via certified ck. The XX/XX/XXXX was at a XXXX bal. On XX/XX/XXXX Bank of America served us with foreclosure notice. We went to the local branch to work it out. XXXX called BOA customer service. Their response was " we do n't retract foreclosures. You will just have to go to the hearing on XX/XX/XXXX @ XXXX. In the meantime, we made XX/XX/XXXX & XX/XX/XXXX. pymts @ {$1600.00} each. The bank recorded them as regular pymts. We tried to pay XX/XX/XXXX & the teller advised that our pymt had more than doubled. The new pymt would be {$3300.00}. XXXX tried to help again then she turned us away, stating, " if you ca n't pay {$3300.00} then you ca n't make your pymt today. We tried again in XX/XX/XXXX to pay. We were turned away, again. The XX/XX/XXXX XXXX hearing was cancelled/rescheduled. The home remained in foreclosure all of XX/XX/XXXX and in turn, we were unable to make pymts. When the foreclosure was dismissed XX/XX/XXXX we tried to do a loan modification to keep the home.No XXXX followed up w/ us. The bank would serve us w/ XXXX additional foreclosures after this. We tried XXXX more loan modifications until finally in XX/XX/XXXX the President/CEO 's office handled our loan mod. They denied the modification after promising to help us obtain a loan mod. THEN they sold our loan to XXXX XXXX days after denying our loan mod.The LAST monthly statement we received from BOA states that we owed {$84000.00} the XXXX monthly statement we received from XXXX states that we owe {$120000.00}. WITHIN XXXX DAYS our amount increased by {$37000.00}. During all XXXX loan modifications, BOA had us in foreclosure. We also tried, to no avail, XXXX loan modifications XXXX XXXX Bank XXXX We are now being kicked out of our home after the bank kept us in foreclosure and not allowing us to make pymts. PLEASE HELP US SAVE OUR HOME! We have been fighting for XXXX years to be able to make our house pymts and continue to raise our son in the only home that he has ever known. WE HAVE BEEN BULLIED IN TO FORECLOSURE and have been unsuccessful in our legal actions, thus far. I will be filing a complaint against XXXX as they bought the loan from Bank of America in XX/XX/XXXX and they have been less than forth coming with their actions as well.

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 — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I have repeatedly informed them that I am permanently XXXX and ca n't repay this loan to no avail. This has been going on for years. I tried to pay early on, but could n't manage it. I 'm in repeated forbearance for this reason. This has been going on for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
i had an account with bank of america. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Bank of America as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: NC

Complaint narrative:
I was given a loan payment amount that was above what I could afford. I advised as to what I could pay and they would not accept it, rather they suggested that I either defer my payment or get the income based repayment plan which put my payment at XXXX which means that interest is compounding which will make it impossible to pay back. I cant afford to pay them back and they provided information that is hurting me more than helping me. I even inquired about lowering the interest rate and I was told that could not happen. I will be in debt until I die due to the unwillingness of this company to be honest about the way payments, and options and billing are handled. They manipulate us by telling us that there is no other option available. I have XXXX children at home, XXXX that will XXXX in 2 years, so I will be trying to pay for his education along with paying for mine which is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I currently have a Bank of America first mortgage and I have been trying to refinance my first mortgage. 

Once the refinance process was started and title work was initiated it was discovered that there was a lien on my property as a second note.. Bank of America did do a modification to my loan in 2013 in which the payment and terms were adjusted. During the negotiation of the modification Bank of America never stated that they would be placing a new/2nd lien on my property. 
I have spent over eight months trying to identify who owns & services this lien and how I can achieve a payoff. I have contacted Bank of America, HUD and FHA on numerous occasions and none of them will take ownership of this second lien. Bank of America has told me numerous times that they do not own the lien and do not know anything about it. HUD and FHA have both told me several times that they are not servicer 's of loans and do not hold notes. 
So at this point I am very frustrated with Bank of America, HUD and FHA because I can not get any answers on this lien on my property. If no one owns this second then how and why is showing on my title??? 
With this Phantom lien on my property I am not able to refinance my mortgage nor would I be able to sell my home if I wanted to or had to. I am stuck and feel scammed.

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 2015-05-31 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: IL

Complaint narrative:
I signed up for automatic debit to save 1/2 % off my interest rate. Navient still is not taking the payment, and it is causing me to have late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and Bank of America which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and BoA gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the XXXX deliquent reporting which was XXXX 2007 for BoA, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The XXXX years has now past, and I have disputed the information with all three credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the XXXX delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Bank of America acct # XXXX # ending in XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
This complaint is not as much about the servicer of my private loans than my college whom forced me to take the loans. 
The college which I attended, Illinois XXXX XXXX XXXX - XXXX, used deceptive practices to minimize the effect of taking private loans versus federal loans. Additionally, they were not transparent at all about the total costs that tuition would net. As a result of their deception, they offered a XXXX course leading to a XXXX XXXX XXXX but offered very limited assistance with finding a job after graduating! Their major courses were too broad and did not allow for enough focusing of education and since they were only a XXXX program, also did not give enough time to adequately learn enough about the industry to adequately get a career in one 's chosen field ( while at the same time costing WAY more than a typical XXXX program in other colleges ). 
All of this happened to me, and in the end, I was stuck $ XXXX worth of loans, and very limited prospects of being able to pay them back since I could not land anything but minimum wage jobs with my near-useless degree. I have since been able to have sopme of that debt removed, the federal parts of the loan, but I am still deep in debt with about {$65000.00} in PRIVATE loans that must still be repaid. I STILL do not have a job in my chosen field, and my degree has still yet to come into play. 
I urge you to investigate Illinois XXXX XXXX XXXX 's corrupt For-Profit business practices and see to it no one else is deceived and screwed over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Documents were sent to Bank of America on XXXX XXXX, 2016 for a request for a modification review of the Making Home Affordable Program. 
When a call was placed to the Bank of America on XXXX/XXXX/2016, XXXX at BOA stated all docs were in and nothing need at this time. She also advised that the file was moving to underwriting for a decision. 
Another call was placed on XXXX/XXXX/2016 to BOA where a representative named XXXX XXXX proceeded to go over requested documents from XX/XX/XXXX. After she was advised that documents were sent in on XXXX XXXX, 2016, she stated that a review of those documents had not taken place yet. No documentation were sent about missing documents to complete a review. The documents have just sat in the possession of Bank of America with no action. 
Per the regulations of PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) 1024.41 Loss mitigation procedures. Per the regulations of Regulation X the lender is required to review the documentation as long as it is received 45 days or more before a foreclosure sale, a servicer shall : ( A ) Promptly upon receipt of a loss mitigation application, review the loss mitigation application to determine if the loss mitigation application is complete ; and ( B ) Notify the borrower in writing within 5 days ( excluding legal public holidays, Saturdays, and Sundays ) after receiving the loss mitigation application that the servicer acknowledges receipt of the loss mitigation application and that the servicer has determined that the loss mitigation application is either complete or incomplete. If a loss mitigation application is incomplete, the notice shall state the additional documents and information the borrower must submit to make the loss mitigation application complete and the applicable date pursuant to paragraph ( b ) ( 2 ) ( ii ) of this section. 
They are not following the appropriate procedures of a loss mitigation review.

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 2017-01-22 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 graduating from law school, my stepfather was helping me make my loan payments. I never missed a payment or requested my monthly payments be reduced. My stepfather unfortunately passed away unexpectedly XX/XX/2015, and all of our family 's assets were tied up in his estate. I was no longer able to pay my loan, which at the time was over $ XXXX/month. I applied for a forbearance based on financial hardship, and maintained my forbearance for six months. When I came out of forbearance, I requested an income-based repayment plan, which was granted, but brought my payment down to $ XXXX/month, which was also an extreme hardship for me. I was told this was the lowest possible rate. However, after only a couple of months later, Navient increased my payments by over {$400.00} per month. When I called to try and reduce these payments, I was heavily encouraged to apply for another forbearance. I was instructed that the payment rates had been bumped up by the Department of Education. I tried once again to apply for income-based repayment, and then Navient told me that they had to calculate my payments based on my combined GROSS income with my husband. Mind you, my husband also pays {$1000.00} a month to Navient for his own loans. That means they were calculating my payments based on combined, pre-tax, pre-Navient payment income. When I tried to point out how wrong this is, I was just told that was policy. Then, they told me that the {$400.00} bump ( now a $ XXXX/month payment ) was actually LOWER than the rate would be if I had elected IBR. This was the ABSOLUTE LOWEST they would go. Any time I requested a reduction, I was encouraged once again to apply for forbearance. Again, I have never defaulted. I have never missed a payment unless on official forbearance. I am an attorney with a good job, and I have not been able to save to buy a house with my husband or put anything away for retirement. Half of my income goes toward my loan payments, causing extreme financial hardship for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I m trying to do a loan modification with my bank which is Bank of America since XXXX 2015 and till present they keep to deniey my application and ask me to short sale my property, and I have no other options without any valid reason.i ve been having some financial problems due health problems and its bills, a major damage in the house due to water leaks and Ac repairs totally needed replacement and also my property taxes are rising too high on the property which increased my escrow account.

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