vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: IN

Complaint narrative:
I used to be with XXXX XXXX but they sold me to Selene Finance several months ago. I have never been late on a payment and have never received calls about payments until they took over. The first 2 months I sent the payment around the XXXX of the month through my banks online bill pay. Both months they called ( usually by the XXXX or XXXX day of the month ) claiming to not have gotten the payment. Then when I came back at them they reluctantly admitted " oh wait, we do have it but it has n't been posted ''. So I started sending it on the XXXX of the month ( again, XXXX online bill pay ) which worked the first month but today I received another call from them! I have read many complaints about them pretty much saying the same thing. It is so very frustrating to know I 've paid - even way early - and still get a call every month harrassing me and telling me they havent received it. What can I do? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: NY

Complaint narrative:
My complaint is directed toward Popular Community Bank cancellation policy, I closed my account XX/XX/XXXX and received a statement XX/XX/XXXX. I called the bank to verify if my account was closed. I was told both of my accounts were never closed, and the withdrawal slips states it was supposed to be XX/XX/XXXX I called Popular Community Bank after I received a statement XX/XX/XXXX and was to the account was still open, a Auto Charge was placed on my account and NSF Fee {$34.00}. My 2nd account was opened XX/XX/XXXX The representative stated that I will have to file a claim to have charges removed 1st and my 2nd account was both accounts were closed the same time, Popular Bank Rep told me she will place in a claim on the 2nd checking so that I am not charged to close the 2nd account. No transaction had taken place on 2nd account.

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 2016-12-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenSky, LLC
State: CA

Complaint narrative:
My house sold on XX/XX/XXXX and XXXX was paid in full for the solar panels I purchased from them. I had XXXX accounts with them and they automatically shut down XXXX of the XXXX accounts but the left XXXX open. They have continued to withdraw {$500.00} from my checking account each month and when it was brought to their attention they told me that it was my fault for not stopping autopay ; however, they did close XXXX of the XXXX accounts. When I called to ask when why my account continues to be debited I could not get a straight answer from anyone. They continued to withdraw {$500.00} from my account and they have no accountability whatsoever. I even asked to speak to a supervisor and I was told there was nothing that they could do and that I had to wait XXXX business days to get my money back. When someone writes a bad check that person is held accountable but it appears that credit companies are not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: IL

Complaint narrative:
XXXX XXXX company sold my mortgage loan to Selene Finance. My loan was modified under XXXX XXXX company. Selene has done the following since they purchased the loan ; 1, ) Did not honor the modification2. ) Added {$140000.00} to the balance of the loan3. ) Increased the interest rate from 3.00000 % to 7.625 % 4. ) Did not pay the real estate taxes per mortgage ( from escrow )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: NY

Complaint narrative:
they are calling my employer and my extention at work on a daily basis. i spoke with XXXX XXXX and told her to stop calling my employer

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Talbot, Adams, & Moore, Inc.
State: OK

Complaint narrative:
My father passed and when I received his death certificate I took it along with all necessary papers requested by the bank to closed his account. Weeks later the bank tried to reclaim the funds as it was money from Social Security. Anyway I had filed bankruptcy during this time period and this was an unnamed debt that falls under the Federal Bankruptcy Code In re XXXX, XXXX XXXX, Debtor. United States Bankruptcy Court, XXXX XXXX XXXX. XXXX ( 1997 ) Bankruptcy No. XXXX XXXX XXXX XXXX, 1997. As described in Section XXXX ( b ) of the XXXX. Section XXXX ( b ) provides that all of a debtor 's pre-petition debts are discharged ... XXXX ( b ) ( emphasis added ). The issue in this case is whether reopening the case to add an omitted creditor is necessary to accord relief to the Debtor. The Court concludes that reopening a & quot ; no-asset & quot ; chapter XXXX case to add an omitted creditor has no effect on the dischargeability of such debt. 

Additionally, I do not believe I owe this debt as notified the bank of my intention to close the account because of the death and thereafter presented the bank will all necessary papers they requested. I gave all this information to the collection agency. I heard nothing more until I was contacted that the debt was sold. I informed the new collection agency of the situation and all collection attempts have stopped but it remains on my credit report as possibly being included in a bankruptcy. I would like it removed from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Carter-Young, Inc.
State: MI

Complaint narrative:
I have no knowledge of this debt. I receive letters and calls for the past month and year about the collections. They is not mines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a Home modification in XX/XX/XXXX with Bank of America ( BOA ) ; the mortgage at that time was {$1000.00}. I was placed on a trial period ( XX/XX/XXXX to XX/XX/XXXX ) with a reduced payment of {$620.00} while it was being determined if I qualified for the modification. I have never made a late payment at any time of paying for my home. 
In XX/XX/XXXX I was notified that I did not qualify for the modification. 
In XX/XX/XXXX I started receiving foreclosure letters from BOA for the amount of the difference of the original mortgage payment and the reduced trial payment. 
In XX/XX/XXXX I wrote a letter to XXXX XXXX, CEO of BOA. In the letter I voiced my concern for the threat of foreclosing on my home and for the erroneous reporting to the credit bureau. I could not believe what BOA was doing, especially when I was given permission to make reduced payments. Not only did they threaten to put me in foreclosure ; they reported to the credit bureau late payments, for the months of XXXX through XX/XX/XXXX ; I was outrage. 
I received a response to my letter from BOA dated XX/XX/XXXX. In the letter I was told that my application would be reevaluated. 
I received a response letter from BOA dated XX/XX/XXXX. This letter stated I was approved for the loan modification. 
Later the next year my loan was sold to another mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: MD

Complaint narrative:
Over the course of my loan I have been offered forbearance many times, and pseudo forced into it in others by Navient. My overall loan amount has not risen ; but, the total amount has not changed since 2008 because the the interest. There has even been a time recently where I attempted to lower my student loan payment and as I discussed the possibility with a customer service agent, they explained that even though they could lower my payment, the payment amount would rise at a later date. And that amount would actually be higher than the original amount I was trying to lower. After hearing that, I decided not to lower the amount and relayed that to the customer service agent. Ultimately, they proceeded with the agreement without me agreeing. So at some point in the near future my payment will rise. Which will be the perfect opportunity to offer another forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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:
Navient has failed to update my student loan record resulting in late payments showing on my XXXX, XXXX, and XXXX report. This has cause my credit score to drop. I would like for the late payments reported to the credit bureaus to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: RI

Complaint narrative:
Not understanding the interest on the balance. The amount I have been told is not consistent and I have not seen a decrease. Loans have been deferred and in forbearance sold from XXXX to Navient now to Department of Education. I am now currently enrolled in IBR and public forgivness and still no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I applied for assistance in saving my home with Bank of America. I hired an attorney to submit my offer to settle a second mortgage as a solution to my foreclosure situation. My request for assistance was faxed to Bank of America on XXXX/XXXX/2015 and I was issued a 5 day letter dated XXXX/XXXX/2015 confirming my complete financial information was received and that I should have an answer within 30 days. In the letter Bank of America says " The evaluation process should not take more than 30 days ''. ( See attached letter ). As of today Bank of America still has not responded to my request with an answer. It has been two months and five days since that request. I just received a foreclosure certificate stating Bank of America can now foreclose. While Bank of America is stalling on my review, the foreclosure process is moving forward and I have lost time I needed to be able to figure out how to save my home. I am sure they are doing this on purpose because my attorney has been calling them to follow up on the request almost weekly since the date it was submitted. I believe Bank of America is evading review of my request for assistance in order to dual track and burn time so as to be able to just foreclose my home without allowing me time to try and save it. Per my attorney this is in complete violation of RESPA Reg X ( 1024.41 ) which states a servicer shall complete a review of a request for assistance within 30 days of that request. We are now over 65 days past my request for assistance and I have nothing from Bank of America except a foreclosure certificate stating they may now foreclose ( Attached ). My attorney has also faxed the foreclosure attorney, XXXX advising them that I am under review for loss mitigation as of XXXX/XXXX/2015. XXXX has responded that they have been instructed to move forward with foreclosure. This is as of XXXX/XXXX/2015, which is after my submission was confirmed on XXXX/XXXX/2015. Even though XXXX has been made aware that I am under an active review for loss mitigation, they still state they will not stop the foreclosure process. I do not understand how both of these companies can simply ignore RESPA law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 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: NY

Complaint narrative:
Each month I pay extra principal for my federal student loan. Navient refuses to apply this extra portion towards principal and has been applying this towards future payment despite my repeated requests not to have this happen. This is costing me money in the long run. Their site also says that I have the option to choose how extra capital is applied but there is nothing in the site that allows for this. They have been misallocating my payments for over 36 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX, XXXX To Whom It May Concern : Please note that I was unaware that BOA had sold my mortgage to you in XXXX XXXX. The first phone call I received was XXXX XXXX, XXXX asking for me to call XXXX Mortgage at XXXX. 
I had been corresponding with BOA pertaining to my hardships and was not aware that my mortgage was sold. I was even advised today that the number that is my contact number was listed as a do not call number. Was told by the representative that is was possibly a " slip '' of the finger. I have taken a job in XXXX TN and my son advised me last night that I had received a notice to appear in court on Monday, XXXX XXXX, XXXX. That is short notice and have priced tickets to try and make the court date and can not afford to do so at this last minute notice. I did not even have my loan number had to be advised of it today. 

Please find enclosed my loan modification packet and I can be reached at XXXX. 

Thank you,

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 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Actually I just filed another complaint a couple seconds ago and then saw something else disturbing with my account, Bank of America is stating I have n't made a payment since XXXX/XXXX/15 which simply is not correct. I logged into my bank account and have payments that were processed since then. This is all on autopay so there 's no oversights ... Just one more issue that shows the incompetence of BOA!!!!!!!!!!! 

Attached is a printout of the 'last payment ' ( XXXX paragraph ) and also shows how they are indicating I owe much more than I do. 

Add yet one more issue to the long list, so if in their records I have not made a payment since XXXX, why just now am I receiving notice of this ( 3 months later )!?!?!? How much in fees have they been charging while providing no notification..???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
I have a private student loan debt with Navient. They have been calling after XXXX in my time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a number of student loans, and am on forbearance. I was basiclly bullied into it with constant phone calls as I was trying to make ends meet. I finally gave in. Now I have mounting interest. My eldest sister is also currently facing similar issues but XXXX XXXX now Navient is harassing me and calling me and bullying me to contact my sister to call them back. I have been told this is illegal and as a person who knows I will carry this debt with no hopes of owning a home or car, I can not continue to be harassed by a company when I am an honest tax payer and trying my best in a economy not doing well. I have over XXXX in student loan debt and I am paying for it emotionally and financially. It is a burden I feel that needs to be taken seriously but I am constantly overlooked as many people in my bracket. I will continue being a good and decent human being but I do not believe it is right to attack me over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
1. The Bank of America website has XXXX separate places where payments can be made. As a result, I mistakenly paid {$10000.00} XXXX on XXXX/XXXX/15. I attempted to fix this with BofA at that time but they told me they could not do anything about it. In the end, my credit union bounced the second {$10000.00} payment, which was reflected on the BofA website on XXXX XXXX ( along with a {$25.00} bounce fee, which I accept ). 
2. Throughout this period, the BofA website said that my payment due for XXXX/XXXX/15 was a NEGATIVE amount. Even after the {$10000.00} returned payment appeared on their website, the payment due never became a positive amount. In the end, I paid the {$34.00} indicated as the minimum payment on XXXX/XXXX/15. 
3. At which point, on XXXX/XXXX/15, I was charged {$53.00} for interest. On XXXX/XXXX/15, I was charged an additional {$87.00}. I expect to be charged further on XXXX/XXXX/15. 
4. I am attempting to pay the account down to XXXX to end these charges, but have not been able to do that yet. 
5. I ask that the interest charges be XXXX out. ( I will accept the {$25.00} charge for the initial check return, EVEN THOUGH this is due to the website indicating that I had not set up a payment when in fact I had. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money, they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person, so we all can solve the issue before my father 's trip to the bank, not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank, 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around, I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself, we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company, not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK, security check, I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together, we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study.

Company response to consumer: Closed with explanation