vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-16 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: Waterfall Revenue Group
State: NY

Complaint narrative:
Copied and past emails to Word document as per XXXX XXXX. I was unable to upload from email. 

I am filing this complaint against XXXX andA-1 COLLECTIONS SVC XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX. 

This company has place a negative report on my credit report after I tried and sent letters stating that this account does not belong to me. I will attach emails of what had taken place. I explained to them even while I was in the hospital and as they kept calling my cell phone that I was not responsible for the debt and they need a better way to help the consumer on their website. I never signed or agreed to pay for an instrument after I did a XXXX time credit card payment. I gave the billing and shipping address and other information went to the other party as agreed. I immediately explained that I made a XXXX time payment. After the payment several emails came to me and I responded that it should go to the other party giving them his email address, phone number and mailing address and the party that is responsible did so as well. He also spoke to them and he said to this day, they never sent him a bill. They contact him XXXX time and stated they will mail him a bill, that never happened. They continued to harass me in the hospital as well as while I was in recovery from surgery. My health aid would answer the phone and give them the other party name and number. I ask that they remove the negative credit collection from my report, and make their payment and contract methods better and not be so misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.

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 non-monetary relief
Consumer complaint received 2015-06-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
To Whom It May Concern : For over a year and a half, I have been working diligently with Bank Of America XXXX BOA ) on the unscrupulous actions carried out by Countrywide to entice, induce and / or assist a borrower in taking a modified mortgage that carries a high interest rate. A five year loan modification created by Countrywide was inherited by BOA when the modification ended in XX/XX/XXXX. The modification papers were signed in XX/XX/XXXX when the loan was backed by XXXX. In the five year period the modification was in existence, the loan was sold to a private investor. Refinancing and any type of modification has been denied by the investor through the lender, BOA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
My payment is current, but I 've received collection calls everyday and there 's also a late fee on my account.

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

Complaint narrative:
After receiving my XXXX XXXX I took about a year off and had Navient defer my payments. When the deference ended they automatically reported it to my credit bureaus drooping my score significantly. When I called them, they had me print off all of my credit reports, fill out paperwork and mail, not fax, it to them. I did all of this in the XX/XX/2016 and it still never got fixed. My credit bureau said they ca n't do anything unless Navient agrees that it was a mistake, which they never have. I 'm now being forced to try and raise my credit score back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Background : XX/XX/2016 I was the victim of check fraud while I was out of the country. Bank of America reimbursed me the entire amount within 48 hours and I was very happy with their promptness. I 'm a XXXX Veteran and receive both VA and XXXX so my income while not poverty level, it is fixed. 
The problem : on XX/XX/2016 as I was checking in to a hotel XXXX miles from home I was told my visa debit card was declined. When I checked my account I was stunned to see that there was a {$600.00} debit that wiped out my account and caused an overdraft of over {$300.00}. More shocking news considering I had no idea what had happened and thought I was a victim once again of fraud. I called the bank and after an hour on hold and being rerouted three times I was informed that I had been overpaid when they reimbursed me and they took their money back. No warning, no emails, no phone call and no letter. I begged and pleaded with the fraud dept to please hold off until my social security check came so I would n't have to borrow money to cover the overdraft. I was informed that they " had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to say I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again. The fraud dept. at Bank of America treated me like I had done something wrong even though they never notified me of an overpayment. I do n't even know if they 're correct. I 'm assuming they are and I was n't trying to get something that was n't mine. I was shocked at their treatment of a XXXX XXXX who has been their customer for 20 years. It seems to me that none of this should have happened to begin with if the fraud dept had done their job in XX/XX/XXXX when the checks were written. I had informed the bank that I would be in XXXX for two weeks and over {$4200.00} in checks were written in the XXXX XXXX XXXX XXXX while I was gone. I 'm angry and upset over the way I was treated. They took their money as is their right and I will be taking my money out of their bank and closing my account as is my right too.

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 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America has been misapplying my mortgage payments since XX/XX/XXXX. Today I got a letter stating that my XX/XX/XXXX payment was unapplied, which is just another example of their lack of accounting skills. My account is a XXXX year fixed {$680.00}, homeowners until XX/XX/XXXX is {$120.00}, Taxes are {$1600.00}. Total monthly due is {$940.00}. I pay {$960.00} to avoid escrow shortage. Bank of America 's accounting is a scam to charge unwarranted fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: CA

Complaint narrative:
I closed a locker at my Bank of America branch ( XXXX XXXX, CA ) in XXXX 2016. They were supposed to refund my deposit of {$25.00} to my checking account. Its been 6 months and I have called them 3 times but nothing seems to happen. 

Can you help me get my $ $ back?

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 2015-08-26 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Sometime around late XXXX or early XXXX my wife got a notice from XXXX XXXX bank indicating that we owe on a credit card. we responding that we never had a XXXX XXXX credit card, but was taken to court. the case was dismissed in court but XXXX XXXX has been still trying to collect, using XXXX collection agency after another. every time we send the collection agency the court dismissal notice another collection agency would contact us. we did not hear from anyone in years so we thought this matter was resolved, however we just got a notice from Portfolio Recovery Associates trying to collect the same XXXX XXXX account. XXXX XXXX Bank has still been sending us Credit Card approval notices, so if these approval notice get into the wrong hands the same thing can happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 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: WA

Complaint narrative:
I have taken off XXXX quarter so my student loans came out of deferment. I logged onto the navient website it showed a total owing for the month of XX/XX/XXXX. I paid the amount in full. A week ago i started getting automated calls from them saying they have a message for me to log on to my portal. I did that today. It showed a past due amount for XX/XX/XXXX along with a small late fee. I called to talk to them - ridiculous. When I explained that they back dated a loan payment and needed to fix their issue they preceded to tell me where my payment went that was done XX/XX/XXXX - over and over and over again. Never listening or dealing with the fact that they back dated a loan payment that was not there when I paid for XX/XX/XXXX. I spent over an hour ( this is actually a short time for them ) on the phone trying to get them to understand the mistake they made. No resolution. I was charged a late fee, i wasted over an hour, and still had to pay the late fee. I took a picture this time of the website showing that no other monies were due for the month of XX/XX/XXXX. They do this continuously to get the late fees. They do not listen to what you are saying just keep repeating themselves about how I owe this and I owe that - I have no issues paying the loans, I just do n't like the deceptive, non responsive, and argumentative way they handle repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt.

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 2015-09-10 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America contacted me and issued a new credit card because " an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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: NY

Complaint narrative:
We have sizable private loans. They have a procedure where as the principle decreases so does the payment. The effect is the loan takes longer to pay off. I complained about this numerous times and years ago was told to send in extra payments. Well, I did that and the same thing happened. Our loans began in 2005 with a total amount of {$120000.00} ( this was after a consolidation at some point so, the original balance may have been higher ) and the payments were in the XXXX range. Today the balance is {$65000.00} and the payment is {$870.00}. I have been sending in extra payments of {$250.00} a month for many years, I do not know when it began anymore. I am aware that if the rates go up, the payment goes up, no problem. But for many years the rates did not increase, but the payments dropped. There is a total of XXXX loans and as interest was supposed to increase, I raised the extra payment to {$260.00}. The intent was to have at least {$1000.00} go to principle. Last month the rate on the largest loan increased XXXX % and the payment decreased {$7.00}. So I paid {$15.00} more to get an {$8.00} benefit. Again I called, again I spoke to 3 three different people and got no where. All I wanted was to be able to set a payment that would be the constant, but if the rates increased, happily pay the additional. They ca n't do that and I can not believe it can not be programmed. In 12 years, approx have the loans were paid. If they left the payment where I requested at {$1100.00} a month my son would be in a better position. They also do not allow you to make the extra payments directly to principle. The payments get allocated. They money is debited directly from my son 's checking account and there has never been a missed payment in all these years. I do n't believe that I am wrong in requesting a minimum payment. They do nothing to solve the problem except say make extra payments, that is their solution, and then they still prolong the length of the loan by lowering payments. Their procedures hurt the consumer and benefits Navient. This is not fair or from my view, moral. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: PA

Complaint narrative:
I fell behind on my mortgage XX/XX/XXXX as a result of a significant piece of my income being removed. In XXXX XXXX XXXX started foreclosure procedures against me and at that time, I filled out the paperwork for a loan modification. I sent the hardship letter and all documents they requested. They approved the loan modification on a trial basis. I had to make XXXX payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. I did this by calling them as instructed, paid it over the phone, once cleared they provided me a confirmation number and I recorded that, as well as, the agents number. In XX/XX/XXXX during the last part of this modification, XXXX XXXX told me they sold my mortgage to Selene Finance. AS I paid the last of the three payments, I asked the agent, if they were going to send me my modified agreement and I was told no, XXXX XXXX would be doing that. I never received an introduction letter from XXXX, however I did receive an invoice showing that I owed in excess of XXXX. I sent them a letter, with all the documents requesting where I send the modification payments too, and asking where the documents were that I was told they would send. I received a letter from them stating they would look into it over the next XXXX days. I waited and waited. By XX/XX/XXXX, XXXX I sent them another letter, along with a check for close to XXXX to show I was holding the payments for them, I just needed them to send me the documents and tell me what else I needed to do for this modification. I pleaded with them. They sent me a letter and told me I was denied because I stopped making payments. Now my house is up for Sheriff sale on XXXX XXXX, XXXX - just XXXX days away. I feel like they duped me and they are n't honoring what they should be. In addition, I cant see where the payments I sent XXXX XXXX were ever applied either. I need help ASAP, I am about to lose my home and feel like I have no way out and on one on my side. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 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: Wilber and Associates, P.C.
State: CA

Complaint narrative:
XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 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: AZ

Complaint narrative:
Between XXXX XXXX XXXX ( XXXX ) and Navienet they failed to explain the terms and conditions of the loan. I have a XXXX and now am struggling to repay my loans and am getting no help from either XXXX or Navienet. I have been in deferred payment status several times as a result of my inability to maintain a job and they have never offered any assistance beyond deferring payments which simply increase the total cost of the loan.

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: TX

Complaint narrative:
I have loans that were through XXXX XXXX and then transferred to Navient. I got in a tight situation with medical problems and couldnt work for a bit. I still tried making payments as much I could possibly afford. I even had them automatically withdraw each month. Well then they told me that the only thing my payment basically wasnt counting and interest was eating me alive. I even had " lost '' payments that I provided proof for and was never credited to my account.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I received a loan back in XX/XX/2001 with XXXX/Navient. Over a course of years my loan was sold ( without my knowledge ) and the amount owed increased tremendously. This is affecting my credit and still appears on my credit report. My current loan, after being consolidated, is now with a new company. What is going on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
A foreclosure Lawsuit was filed against the Borrower on or About XXXX XXXX, XX/XX/XXXX. The Borrower was defaulted from her loan because of several mistakes made by her servicers during various transfers of her loan to XXXX another. 

As a result of their mistakes they stopped accepting her payments and defaulted her. On or about XXXX of XX/XX/XXXX, The Borrower was granted a loan modification trial period by XXXX XXXX following a complaint to the CFPB. 

Immediately upon granting The Borrower a loan modification, XXXX XXXX sold her loan to Selene Finance. Because of the transfer, approximately two months passed before The Borrower was able to make loan modification payments. 

On or about XXXX of XX/XX/XXXX, The Borrower completed her trial payments. In XXXX of XX/XX/XXXX Selene Finance mailed out the final modification packet, and The Borrower immediately signed it and returned it. ( See attached correspondence and loan mod documents ). 

The Default is resolved and settled. The Borrower has continued making regular payments on her loan, and the foreclosure case should be dropped. There is no longer any default. However, Selene Finance has failed to instruct its counsel to dismiss the foreclosure case, and has instructed them to proceed with the litigation. ( see attached documents ). 

Trial is scheduled for XXXX XXXX, XX/XX/2015. While Selene finance has outstanding customer service, their legal department is sluggish and takes months at a time to update their files, complete documents, or instruct their attorneys. 

The Borrower is in her mid XXXX and suffers from XXXX. She is undergoing a lot of stress and fears that the Court will take away her home despite her settlement with Selene Finance.

Company response to consumer: Closed with explanation