vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: TN

Complaint narrative:
To whom this may concern, We are terrified that Selene Finance has engaged in unlawful foreclosure against our property. Our mortgage was transferred to Selene Finance in XX/XX/XXXX from XXXX XXXX XXXX. 

Our nightmare started on XXXX XXXX, XXXX, when we had a house fire. We tried contacting Selene to notify them of the fire because the homeowner 's insurance was escrowed in our mo. payment and we needed to notify the insurance co. of the fire & damage that had occurred. After several days, Selene told us that an insurance adjuster would be coming out between XXXX-XXXX on a particular date but no one ever showed. 

Soon after that, one day, after arriving home, there were XXXX trucks parked in the yard at our house. After some questioning, the XXXX gentlemen finally told us that they had purchased the home at auction on XXXX XXXX, XXXX. How is this possible, we were n't even behind on any mortgage payments? We were never notified of any foreclosure or auction. 

Several days after that, we came home to find a large part of our belongings in the yard and they had pulled our vintage jaguar out of the garage and were attempting to sell it to a junk dealer. The supposed new owners were there and told us we had been evicted ; we never received any eviction paperwork from the courthouse or anyone else. 

After doing research on the internet, it appears what we 're going through is commonplace with Selene 's fraudulent, predatory and gross mishandling of servicing mortgages with countless complaints of malfeasance occurring time & time again regarding servicing and unlawful foreclosure of mortgages all over the country. According to the : XXXX ( XXXX Complaints ) ; Yelp ( Numerous Complaints ) ; XXXX Consumer ( XXXX complaints ) and numerous complaints on : XXXX XXXX, XXXX XXXX, XXXX, etc. ; all with similar claims of gross mishandling of servicing mortgages. 

Why has n't some government entity intervened in this continuous pattern of unscrupulous business practices? Ours is obviously not an isolated case so when there is so much government regulation on seemingly everything else, I 'm having a hard time understanding how the FTC, Attorney General 's Office or The State of Texas is allowing this to be problematic time after time. 

The Wall St. Reform & Consumer Protection Act. was written in XX/XX/XXXX to help consumers & homeowners that were being unfairly mistreated by their mortgage servicers. 

Violation of The Real Estate Settlement Procedures Act ( Regulation X ), Federal Trade Commission Act ( FTC Act ) Section 5 : Unfair or Deceptive Acts or Practices & UDAAP - Unfair, Deceptive, or Abusive Acts or Practices Selene Finance 's egregious acts of noncompliance with federal laws have caused us much stress, anxiety and uncertainty if we have or still will have a home. 

Please Help!!!!! 
XXXX & XXXX XXXX, XXXX, TN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.

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 2016-03-03 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
Arizona XXXX University has sent this debt that they claim I owe for tuition to this agency. I did not complete semester and I had told them to drop me from the online classes before the XXXX XXXX 2012 withdrawal date, which they did not do and has charged me for the whole semester.

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 2015-11-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank of America has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank of America is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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: IL

Complaint narrative:
on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 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: GA

Complaint narrative:
I received a phone call this morning from naviant attempting to collect a payment on my student loans. They have been in default do to financial hardship this year which I have been in touch with them all along and they know each situation. They told me I needed to make a payment and they needed it now. I said I do n't have the money by I just lost my job they said you need to get the money whether it be a bank a credit card or XXXX paying it for me I said I have nothing and no one who can pay it. They told me to make phone calls and to put them on hold. I said there is no one I can call they became threatening and told me they were going to take action with out telling me what action, and that they needed me to get them their money. I said I could n't have it for them right now they said they were n't going to wait. This conversation took over a half hour in the morning after the day I lost my job. I am a good person but feel like they are making me out to be a criminal. I have no problem paying when I have the money but they hound me and make accusations and tell me they are going to take action I honestly scared. They asked me about my tax return witch I do n't want to give info on my taxes to anyone. I feel violated and harassed with the calls I get and the information they wanted to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Bank of America that BOA called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Bank of America did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my BOA on tablet, there is still nothing. 

Still that I do not happy with Bank of America since that I used Bank of America account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Received letter from XXXX XXXX XXXX XXXX XXXX I sent letter as i do not owe them anything. They claim to have purchase third party debt from MBNA.

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 2015-10-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS

Complaint narrative:
* My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a " Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recently went into Bank of America 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Bank of America account. Called customer service and they said that all claims checks were a third party check and Bank of America would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.

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 2015-04-21 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: CA

Complaint narrative:
I 'm still in school, getting ready to do my internship. I have tried my best to find a job but their is no jobs out here.My father was on his job for 19 yrs and the company downsize his department and he was let go.So he 's not working and ca n't find work just imagine my dad at age XXXX years old he has lost his house and everything he owns.He was going to help with loan.Soon as I finish school I will start making payments. I told Navient that I even ask can I get deferment or an forbearance but they told me no. I 'm getting harassing phone calls on a daily basis from morning until XXXX XXXX to XXXX times all evening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
i have became a victim of identity theft since 2005 i have major police reports i had everything stolen from me i talk to navient hundreds of times and they told me that it will remain on my credit navient debt collectordidnt verify collectionno contract no sigiginature they told me that i should have been more careful and held on to my purse i was XXXX and for them to say such unbelievable words was beyond me. i had no choice to report them to get some help on this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Bank of American and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Bank of American. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit.

Company public response: Company 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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
I was over charged for paying late when I did not pay kate. I also asked to lower my monthly bill as if was too high and I can not afford to live and pay my bills such as rent gas car. I was told That I could not Lower the monthly payment and could only change to interest only which means I will means I will never have my student loan paid off and can. Of afford to live

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Bank of America refused to correct their multiple errors. This is for a Visa card. 

BoA deducted close to {$5000.00} from my checking account and has refused to return it. At the time ( XX/XX/XXXX ) I spoke with XXXX customer service reps who insisted their mistake was corrected and the money would be returned. I was provided {$5.00} at my insistence to cover interest for what could be a couple of days. 

This withdrawal was due to a customer service error. A few weeks prior I had obtained a balance transfer on this credit card. I changed the automatic payment from pay full statement balance to pay minimum payment due. There were a few leftover charges and one recurring payment. I updated everything online. Two days before the payment due date/auto payment, I called to make sure everything was OK. I spoke with someone to make sure everything was OK. 

Two days later the full, new balance transfer was removed and my checking account was in the whole. I was charged a fee for the balance transfer. 

Now, 5 days and 3 business days later the money still has not been returned. Seven ( 7!! ) calls to BoA, including talks with several " managers '' today have failed to resolve the problem at all -- I mean, there is no hint as to a course of action to take.

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 2016-02-12 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
1. The Solomon & Solomon send me a letter dated XXXX, XXXX, had been retainedby New Jersey XXXX XXXX XXXX Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XXXX, In that letter I asked Solomon & Solomon , PC. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by Solomon & Solomon, Pc. on XXXX/XXXX/2015. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.Solomon & Sollomon garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XXXX, XXXX Solomon & Solomon regarding this maner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20 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: NY

Complaint narrative:
I graduated back in XX/XX/XXXX and have been through a number of financial ups and downs. Navient or XXXX XXXX never gave me the options of an income driven based repayment plan. I bought a business back in XX/XX/XXXX and try to complete the minimum payments when I can. My loan has only gone up since I graduated and they only let me defer my payments. My credit score has been affected greatly by this because at points it becomes a burden to pay for something that the bill does not go down on and so instead of going down it always reports the bill going up. I rather invest into my business then throw money at a loan that never goes down. They have me at XXXX different loans at 6.8 % interest on each. When these loans were done I was unaware of the affect that this might have on my future. This loan is the only thing that has held me back from buying a house or car. I have written letters that stated I did not think the loan was fair and that unearned interest was being added on and they assured me everything was being handle correctly. They didnt give me much information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America notified me they were closing down my credit and checking accounts due to a " business decision. '' No other reason was given.They closed the accounts down with available reward points remaining. I currently have XXXX points ( equivalent of {$220.00} ) that is still currently listed as available. I was advised that the points are available but I can not redeem them because the account is closed. BOA essentially stole my reward points, still lists them as " available '' but not able to redeem because account is not open.

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 2015-11-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Back around XXXX, Bank of America ( BOA ) offered " Free For Life Business Checking Accounts '', which I signed up for XXXX for XXXX XXXX XXXX. I have to call BOA every year to get my bank service charge waived for another year. This year when I got charged {$14.00} XX/XX/XXXX, I called BOA as I always do, to get a credit for the {$14.00}. I received a voice message from my local BOA rep that they have waived the {$14.00} for this month only and I will not be able to get this fee waived any longer. What happened to " Free for Life ''??

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