vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ

Complaint narrative:
In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 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: WA

Complaint narrative:
When I registered for college I was assured I would find a job and the college would make sure of it. It was a terrible experience. New instructors every month, always out of supplies, incorrect test answers, the whole thing was a mess. I got an externship but then lost it and the school refused to help me get a new one. I never got a degree and I owe thousands in student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I entered a branch of Bank of America at XXXX XXXX XXXXXXXX, NY XXXX, on XXXX XXXX, 2015 to cash a XXXX denominated check ( XXXX XXXX ) in my Bank of America checking account. I filled in forms and I was told it would take XXXX weeks. It is now almost XXXX months. I have tried to inquire twice through customer service and no one even understands what I am talking about. No one from Bank of America has followed up on the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.

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 2016-10-26 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
XXXX First, Assistant VP of Bank of America at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Bank of America account holder.

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 2017-01-23 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: NY

Complaint narrative:
XX/XX/XXXX I took out a XXXX student loan in the amount of {$17000.00} to finish attending my XXXX at XXXX XXXX. I had trouble paying it back initially when I finished school, but came into some money XX/XX/XXXX and paid off the loan in full at a quoted amount from a XXXX representative of {$42000.00} to close the account. That was processed and completed XX/XX/XXXX. Just XX/XX/XXXX, nearly 8 years later, I received a bill from Navient stating that I owed an outstanding balance of {$1300.00} against this particular loan ; a combination of a principal as well as late fees and interest which apparently are accumulating daily while I try to resolve this. I had not received any communication from Navient ever up until this time, nor did I receive any communication from XXXX after I paid off the loan and closed the account back XX/XX/XXXX. Frankly, I thought Navient was junk mail, but I have communicated with the company and am being told that I owe this money. My bank no longer has the cancelled check because it was greater than 7 years ago. I have only a payment history to prove it. I feel as though I am being scammed for this money and I actually do not have the funds to pay it now, nor are they offering me any kind of solution that will allow payment plans and slow down the interest progression. They are claiming the amount is due to fees incurred during " transit '' of my last payment from the time I wrote the check to the time it was entered into the system and placed against the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
Calls are nonstop. Have repeatedly informed Navient that cosigner and I are both unemployed and recieving government assistance. Asked for assistance multiple times, always told that there is nothing they can do except for us to pay. Have asked that the calls lower in frequency, repeatedly am told they will stop and within the hour after request the calls resume. Was told they can call XXXX every hour, and that is exactly what they do. I do n't know what to do, I have nothing, cosigner has nothing, zero income coming in, they refuse to communicate via the mail instead. My school was found to have participated in fraud ( XXXX XXXX ) but nothing has been done to help the former students.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is calling my cell and my work phone multiple times a day. I have asked them to stop calling my work phone because it is interfering with my job. They call me everyday and usually XXXX times a day, even if I talk to them they will call again a few hours later. I have asked them to stop contacting me many times and i will call them to make arrangements because I am unable to negotiate terms with them because they want too much money. I have told them they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 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: IL

Complaint narrative:
Navient has repeated charged me late fees, which they have admitted were a " mistake. '' After being confronted by this fact, they protested for nearly an hour before admitting fault, were unable to provide evidence that they would prevent it from happening again. Additionally, they only refunded my latest late fee, not the rest of the " mistaken '' late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We have had the XXXX XXXX XXXX through Bank of America for the past 14 years. We thought this program was protecting all of our listed cards from fraud and identity theft. We resently had serveral fraudulant charges on our checking account also with Bank of America and were not notified in any way. I had to notify the bank of the fraud. When speaking to a BofA rep from their fraud department, I was informed I did not need this service as my account was automatically protected. 

Two years prior, I tried to cancel this service and was pressured not to cancel as I needed this type of service and protection. 

I feel that this is a bogus service that I have paid XXXX per month for the past 14 years and only recently realized this service does not do anything I expected or thought I signed on for. I expressed these concerns to BofA and was allowed to cancel, today, but no apologies, concerns or help on getting any amount refunded. 

I am thankful that I caught the misuse on my account before it was completely drained.

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 2015-06-26 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: CL Holdings LLC
State: WA

Complaint narrative:
I paid a past due bill directly to XXXX who instead of applying the payment to the debt, passed the check on to their debt recovery agency Jefferson Capital Systems LLC. XXXX then claimed that my check (a cashier's check issued by XXXX Bank Bill Pay) was returned NSF. XXXX shows the check as being paid. Jefferson Capital Systems subsequently reported the debt as currently due over XXXX months after payment was made, driving my credit score down dramatically. Neither party will acknowledge responsibility for the error and I have not been credited with the nearly $XXXX payment that was made to XXXX. I have been told that the credit agency has XXXX days to respond to my complaint.

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 2016-02-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I paid off off XXXX bill or shortly after and and started my service with XXXX on the same day XX/XX/XXXX. Later around a month-and-a-half I was sent a bill for {$280.00} from XXXX claiming that they were sending it to collections so when I got my bill I went into the XXXX store and had a conversation about this issue and was told that it was after that if there was 20 days left in the month and that 's what that charge was. Which is illegal to do and I have since gone to them and ask him to show me where it 's listed in their contract and they did not show me because they could n't produce the information. 

Two days ago I called the answer to the collection agency and was forwarded to the internal law office where I spoke to someone that was very rude and did not want to give me any information regarding the charge that I supposedly must pay before they can take it off of the credit bureau butt this derogatory inquired that was placed on my credit is not right because it 's not a credible charge from XXXX which should have been verified by the credit bureau before putting it on to my file. 

By placing this on my credit report it brought my score down by XXXX points or more and he 's threatening 2 damage my credit even more and to take me to court for {$280.00} which is ridiculous. 

I would have made the payment arrangements but I do n't owe the money so why make the payment arrangement I asked could they give me or show me proof that we owed them money and they said no, you no longer are a customer, I was told that l am a client and someone that you have to deal with now! ( Pure Ignorance )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solutions To Portfolios, LLC
State: MI

Complaint narrative:
I received a phone call from a company called STP Management onXXXX read the message and ignored it. Then received another on XXXX/XXXX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX XXXX, this happened sometime XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX , XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. 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 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
There has been non disclosure and various instances of fraud. There has been illegal loan assignment and transfers. SELENE FINANCE is attempting an illegal foreclosure. I have received and NOTICE OF DEFAULT with intent to ACCELERATE. They have not answered any questions or proven they have standing to foreclose. 
Issues that Caused irreparable damages:1. Security deed has fraud on its face and is forged. 
2. Contract based on fraud due to none disclosures. 
3. Notice of default sent prior to assignment ( 2010 ) 4. XXXX XXXX was never given 30 day notice prior to the scheduled foreclosure sale5. Foreclosure Sale date set without ownership6. Assignment filed with forged document7. Assignment has fraud on its face8. Assignment appears to be robo-signed9. MERS transferred Security Deed without express written authority from owner10. MERS transferred Note without express written authority from owner11. XXXX accepted fraudulent and forge assignment and file into the public record12. XXXX stated XXXX XXXX is owner of loan/note13. XXXX XXXX has not responded to my correspondence14. I XXXX XXXX the owner of the home was forced into bankruptcy due to fraud and forgery. 
15. XXXX is servicer and according to Federal Law a servicer can not be an assignee. 
16. XXXX is currently fraudulently being paid thru XXXX XXXX existing chapter XXXX bankruptcy17. XXXX has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner. 
18. While in litigation with XXXX and waiting for answers to my various questions XXXX abruptly and illegally transferred the loan to SELENE FINANCE. 
19. SELENE FINANCE is servicer and according to Federal Law a servicer can not be an assignee. 
20. SELENE FINANCE stated XXXX XXXX is owner of loan/note21. XXXX XXXX has stated to me verbally that they do not own any loans22. SELENE FINANCE is currently fraudulently being paid thru XXXX XXXX 's existing chapter XXXX bankruptcy23. SELENE FINANCE has committed perjury in XXXX XXXX chapter XXXX bankruptcy by stating they are the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: CA

Complaint narrative:
I filed Ch XXXX bankruptcy and was discharged with no distributions in XXXX XXXX. XXXX XXXX had a XXXX lien for a water softener and was included in the bankruptcy. Castle Credit was listed and notified but the continued with their automatic payments. We did not want the water softener and attempted to surrender it. In late XXXX XXXX from Castle Credit told me that I could not surrender it. They stated they were a loan company with a lien against my house and they had to be paid or I would lose my home. They refused to just take back their collateral. I was very ignorant since I filed my bankruptcy pro per and I did n't know there was a lien so I did n't do anything or investigate it. I believed they were right. They represented that like the house payment if I wanted to keep my house I had to pay off their bill. I have since learned it is not true and I do not want the water softener but they refuse to pick up the collateral and remove the lien against my house even though they were discharged in my bankruptcy. They were calling me 3 or 4 times a day at work and harassing me. I do not want the water softener. They should come pick up the collateral of the debt I discharged in Bankruptcy. They claim that I am trying to sell my house so they are refusing to cooperate and are purposely interfering with my escrow where I am trying to refinance but this lien is causing me problems. They are trying to get paid by not complying with the law. 
I sent them a letter telling them to stop calling me as I had to work but even today they keep blowing up my phone threatening me. They keep telling me they wo n't do anything because I am selling my house. I am not.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
My mom has passed away and I am just trying to make payments for the house that is now under my dad 's name while it is waiting for a closing date. I have made payments on the account previously but as soon as I told them we are closing in few months, and is XXXX month behind on payment, they are just hanging up on me making it impossible for me to make any sort of payment. I know that in state of Virginia, mortgage companies can foreclose the house in 90 days. We have significant equity in the house so I do not want to preassume anything but this situation makes it seem like Seterus Inc is trying to prevent us from making payment so they can foreclose our property. They are keep telling me the information is wrong even though I am providing them with same information I have been telling them for months. All of the sudden, the information is incorrect as soon as I told them we are under contract and need to make 1 month of payment so that our house is prevented from going under foreclosure. Also, I now have to pay a late charge because they were not allowing me to make any payments before the pay period I was responsible for late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: IL

Complaint narrative:
I was working with a law firm for a modification on my home. This started XX/XX/2015.my trial period was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which the payments were made. I was supposed to receive my finalized paperwork which I have not received. XX/XX/XXXX I noticed my mortgage statements were showing in arrears of {$10000.00}. I contacted the law firm and they submitted everything that was needed and this was finalized, so we thought.

Company response to consumer: Closed with explanation