vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I was trying to receive tax information to file our taxes. When I called Navient, they said I do n't have a loan with them and we 've been paying them for years. I 've been paying them since Navient took over the loans from XXXX. I asked the technician about where my payments had been going he could n't give me an answer and told me to call another number to find out where my private student loan was. The number belonged to XXXX. They pointed me to XXXX who handles federal loans and not private loans. They 're giving me the run around and I still do n't know who I 've been paying and where my loan is right now, as well as my tax information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
My husband became unemployed recently, but he has been struggling with his job for a few months now. Navient absolutely has no options in order to defer payments for even a few months, until he can get a job and we can get back on our feet. We have a house and a new XXXX, and this is all very bad timing. When my husband called Navient to try and speak with them about any options for forbearance or deferment to financial hardship, we were told his loan does n't qualify for that, and asked if he could make a payment of $ XXXX {$200.00}, and then we could do a " forbearance '' of a monthly payment of {$150.00}. He tried to explain right now we have {$0.00} to pay, and they asked if we could make a payment on a credit card or borrow money from someone. Obviously, this is not a solution. We told them no and asked if there is any way they could help us. They stated that there was n't, and that the phone calls would continue until we paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Since 2010, we have submitted several applications to Bank of America for refinance or modification of our 30 Year Conversion Option ARM. We are current on our payments and have excellent credit. Bank of America has provided excuse after excuse concerning our documentation and the rejection of our application. To no avail, we have solicited professionals on our behalf to query, complete and submit our documents to Bank of America. Right now, we have only XXXX ( out of XXXX ) ARM options available, i.e. the 15 year or minimum. We can not afford the $ XXXX/month 15 yr option, therefore we pay the minimum $ XXXX/month. We have in essence a negative amortization loan with a balance of {$310000.00}. Our payments do not include taxes and insurance. We are debt free except for our home. This year, we will be on a fixed income and it will be a financial hardship should we continue in the future with this obsolete XXXX option ARM mortgage plan. We want Bank of America to give us a reduction in principal and payment, fixed mortgage relief. Bank of America has all the information ( XXXX yrs ) at there disposal to make our request a reality.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
this is in reference to No. XXXX, as there is a long history of this complaint. My brother-in-law, XXXX XXXX, is the executor of my late ex-husband 's estate, which includes a condo financed with Bank of America, a HELOC, and originally a first mortgage Bank of America sold to XXXX who subsequently sold it to XXXX XXXX. I am on the mortgages, which I quit-claimed to the my now deceased ex-husband, XXXX XXXX XXXX, brother of XXXX XXXX, who is the heir and executor of the estate. XXXX XXXX XXXX and myself have repeatedly requested in writing that Bank of America and XXXX XXXX recognize XXXX XXXX XXXX as the power of attorney and executor of the estate and correspond with him at this address. Bank of America continues to refuse to cooperate with XXXX XXXX and still insists on sending all correspondence to the deceased 's address after they have been told that address no longer exists for XXXX XXXX XXXX as he is deceased. XXXX XXXX XXXX sends payments to Bank of America and they apply them to another real estate loan XXXX XXXX XXXX has and they file late notices on my credit report, as I am still on the mortgage, but have no interest in the property that is the subject of this complaint. Bank of America just simply refuses to respond to any pleas to straighten out this nightmare they have created and now they are trying to destroy my credit rating. Now you have dismissed the complaint because of no authorization from consumer. I have written to you giving you authorization, SO NOW YOU ARE BEHAVING THE SAME WAY AS BANK OF AMERICA. XXXX XXXX XXXX and I are totally frustrated by this behavior as you should be bringing Bank of America into compliance instead of dismissing this complaint without proper investigation. 
Sincerely, XXXX XXXX

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 2015-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
After experiencing a hardship period, we sought legal and financial counseling from bankruptcy attorney and HUD counselor. We filed bankruptcy, aggressively sought to devise and maintain family budget with every household member contributing to household expenses. This over a few months started to take some positive shape. We have been working with a HUD counselor to apply for a mortgage loan modification. XX/XX/XXXX we submitted out initial application packet with required documents via our HUD Counselor via HOPE Portal. This certainly gave us XXXX that our family would not lose the roof over our heads thru foreclosure. We understood that the application process would be much more streamlined end-to-end via our HUD Counselor who would directly upload all documents and communicated via HOPE portal with Bank of America ( BOA - my mortgage company ), What we have found is that we ( myself and HUD counselor ) have met all deadlines yet BOA keeps creating delays. I was strongly advised to file this complaint because BOA continues to sit on the documents uploaded in the HOPE Portal and allows them to expire month after month! Moreover, they have changed contact person handling my application XXXX times since the process was started in XXXX 2015. Each time a new Customer relationship manager ( CRM ) is introduced, they take weeks to familiarize themselves with my file and missing weekly update calls that they schedule with me thus allowing documents to expire again! Recently my newest assigned BOA contact surprisingly asked me to review, notarize and return within XXXX days some documents for our County Deed Recorder which was missed during my XX/XX/XXXX modification. This has nothing to do with the open XX/XX/XXXX modification application actively under review from what I understand OR does it? Bank of America offered me a {$500.00} incentive to compensate me for my time and effort in getting these XX/XX/XXXX modification documents completed, notarized and back to them asap!?! I do n't understand exactly know what to do with this unexpected element now in the mix - at the tail end of a new modification application! Firstly, I 'm not a legal person and want to make sure I am not doing something that will put me further in the hole financially!!! 
We were told a decision on the modification application would have been made weeks ago, yet they have managed to continue to delay a decision on our current modification application. We continue to sit on pins and needles wondering why?!?! XXXX will be here before we know it and still no answer .... Please help! Just HOPE we get a fair option or decision to make our life work for our family. Sincerely

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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: Navient Solutions, LLC.
State: WI

Complaint narrative:
It is on account twice with XXXX different amounts. The lower amount is correct due to me returning the equipment to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint against Bank of America. For the third time I have been sent a Mortgage Modification dated XXXX XXXX, XXXX. The modification that was sent doubles my current payment and there was a modification that has been completed, filed and recorded in XXXX County, Florida I have a completed Modification that was recorded XX/XX/XXXX. This is the second time I have filed a complaint against Bank of America for this same issue. I was assured by their Resolution Department earlier this year that the issue had been resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-08-17 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We send the money in XXXX but they still do n't receive the transfers with send on the XXXX/XXXX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
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: GA

Complaint narrative:
I consolidated my federal student loan debt, in order to simplify repayment and reduce my monthly payment total. Today, I have $ XXXX in unsubsidized debt and $ XXXX in subsidized debt. I have chosen to go back to school for a PhD, so my loans have been put in deferment. The subsidized portion is not gaining interest, but the unsubsidized portion is. My income ( a stipend ) is just {$1900.00} per month, but I am still making efforts to repay my loans as scheduled ( {$550.00} per month to my federal loans ; {$300.00} per month to private loans ). Some months, I am not able to make the full payments, but wish to make interest only payments ( currently {$350.00} per month for my federal consolidation loan ). Unfortunately, the structure of the consolidation loan does not allow me to make interest only payments. If I make a payment in the amount of the unpaid interest, a portion of the payment is allocated to the interest on the unsubsidized part of the loan and a portion is allocated to the principle on the subsidized part of the loan, ultimately leaving unpaid interest on the loan. While I am in school, it makes the most sense to first prevent interest from accumulating on the unsubsidized portion of the loan, then allow any excess payment to be distributed toward principle. In order to pay the full interest each month, I need to pay an amount greater than the interest. Most months, this helps work toward my goal of paying down the principle, rather than make interest only payments. However, I am left with little flexibility at times when my budget is tight. My only option is to pay what I can, knowing that my money is not being allocated in a way that is in my best interest. The servicer of my loan, Navient, has told me that there is no way to allocate my payment as interest only. It seems the system was designed this way to make it more difficult for me to pay down my loans.

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 — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
The people at Navient jacked up my payment and even though they have been taking money out of my XXXX account they say I 'm behind in payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I placed a cashiers stop payment on a check from Bank of America the check was verified at the time as not being cashed yet, I was sent to a public notary with a stop payment Form. Bank of America Associate informed me that I would receive the funds in my account.And I never received anything 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 explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: AR

Complaint narrative:
I get multiple calls from XXXX, XXXX, XXXX, and other numbers. Sometimes its a person most times they just hang up when i answer. They ask for my social security number or address to verify my identity and will not tell me any information. One representative told me if i did n't verify my information they would just begin seizing property from me. Multiple calls a day up to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
was involved in a accident at work and employer agreed to pay medical bills. This is a outstanding bill from that accident.

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 2015-09-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc.
State: TX

Complaint narrative:
My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from AWA COLLECTIONS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AWA COLLECTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
My son is XXXX, in the US XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have an account with Honda Financial that is not reporting correct to the credit bureaus. It was a lease I paid it off in full I was only late XXXX payments They reported multiple late pays and I have contacted them over and over to resolve. I have also tried to dispute it through the credit bureaus but it was not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
They keep calling me from XXXX and they say it is about a personal matter. I ask them what it is in reference to and they say after they verify that this is the correct person they will tell me what it is about. They are a debt collector but do not identify themselves as such. According to federal law if they are a debt collector they must identify themselves as such. Please see attached documents to show that this number is flagged as spam and telemarketer and debt collector.

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 2016-12-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: OR

Complaint narrative:
I had a account with Honda Financial that was paid off in XXXX of this year. Apparently there were additional amounts owed on the loan from previous late fees. My automatic payment went out for the last payment and cleared. By the time that I was able to cover the extra $ XXXX in old late fees my payment posted 3 days over the 30 day limit. They reported TWO 30 day lates that are showing on my credit and it has made it impossible to close escrow on the house that we have in escrow to buy. 
This effected our XXXX by 60+ points and is totally unfair! They have refused to do anything about this and I am hoping that you can help. 
Thank you, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Plus Inc
State: MN

Complaint narrative:
Unauthorized inquiry and/or unknown company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDICO. INC
State: SD

Complaint narrative:
My wife had XXXX a while back, insurance approved it so she had the XXXX, then thay denied it. She did finally get the insurance company to pay the bill. Now the collection agency is wanting us to pay {$5000.00} in interest for the XXXX! This is not right, why should we be responsible for interest when then isurance company agreed to pay for it. The collector is credit collections bureau, and we already paid {$9000.00} in a garnishment previously to getting the insurance company to pay!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nations Recovery Center
State: AZ

Complaint narrative:
Debts were incurred to XXXX around 15 years ago. The total claimed is around {$41000.00}. The debt has never been affirmed or refreshed. To the best of my knowledge, no judgment was ever obtained. Even to the extent that it had, then it would have expired long ago. However, the company ( XXXX. ) is now attempting to collect this debt.

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 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AMERICAN HONDA FINANCE CORP
State: MN

Complaint narrative:
It is showing up as a negative mark on my file, even though it is paid off in full. I have called Honda Finance as well to ask for relief and to have it corrected and they will not. I am trying to get my credit in order after my divorce to be able to purchase a house, and something like this is keeping my score down. I pray for relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA Collections is reporting multiple collection accounts to my credit report, without notifying me with a notice in accordance with 15 United States Code section 1692g ( a ). 
I have contacted them with a letter to remove these accounts because of their failure to abide by the law and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX XXXX XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?

Company response to consumer: Closed with explanation