vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
I was forced into signing a 15 year mortgage instead of a 30 year mortgage which I could have afforded. My abusive husband divorced me and left me with the house XX/XX/2016. I am behind on my mortgage, and the lender, Rounpoint Mortgage Servicing Corporation is not cooperating within the legal boundaries of my consumer rights. 
First I contacted XXXX in XXXX when I was XXXX months behind on my Mortgage payments. They asked me to pay {$1500.00} in XX/XX/XXXX to catch up the payments. I could n't afford to, but they told me that was the only option that I had. Being a single mother of XXXX children this was not easy for me to accomplish. I prayed, and a close friend gave me the money and told me not to bother repaying him for it. I was still behind. Roundpoint told me that they would be automatically deducting payments from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in the amount of {$1100.00}, and tha tI would be caught up in XX/XX/XXXX. That never happened. But again, I make $ XXXX/hour, and am a single mother supporting XXXX children. I called again in XX/XX/XXXX, once I realized the money was not coming aout of my account, and was further behind than before. I talked to someone else. They wanted another {$1500.00} before they would set up any kind of payment plan. I tried to set that up for XX/XX/XXXX, but did not have the money. I called again, and got nowhere .... I did some online research and found out about a program called Making Home Affordable. I sent all of the HAMP documents to Roundpoint via 2nd Day Air XXXX, and obtained a proof of deliver. And I waited. Nothing. Two days ago I received an updated statement from Roundpoint indicating that I owed over {$7000.00} this month for my mortgage and was facing foreclosure again. 
Today I spoke to XXXX XXXX from another organization that I found online called Hope Now, that specializes in helping people who are facing foreclosure. After explain this to XXXX, I Was advised that Roundpoint has broken some rules. Roundpoint not once offered me any information, nor provided documentation for me for the Making Home Affordable process, I found that on my own. Roundpoint never offered a single point of contact for me. Roundpoint never offered any type of payment plan for me. Roundpoint did not respond or attempt to contact me within any amount of time within 30 days of me sending them the required information to modify my loan and place arrears in deferment over the life of the loan that I requested. I was ignored, my rights were violated, my credit rating is ruined, and I am scared to death that I am going to lose my home to foreclosure.

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: ProCollect, Inc.
State: TX

Complaint narrative:
Twice in XXXX separate instances the debt collection agency has incorrectly attempted to collect XXXX separate debts from me from over a period of a year and a half ago. Both instances dealt with an old apartment I lived in. One instance the debt collector, for some reason, put me on to the account of the person they were attempting to collect from who turned out to be the previous tenant in my apartment. I have NO connection to this person, and still have no idea how I was assigned responsibility for their 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 2017-01-05 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: TCF NATIONAL BANK
State: IN

Complaint narrative:
TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
XXXX F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO TRANSUNION AND EQUIFAX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

XXXX T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT XXXX DISCHARGE UNDER XXXX MODIFICATION BY XXXX MORTAGE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
I obtained an FHA mortgage in XXXX through XXXX Bank. who then sold it to XXXX XXXX XXXX. While my loan was with XXXX XXXX XXXX as the Lender and Servicer, I became unemployed, XXXX and unable to keep up with payments. I applied for a Loan Modification back in XXXX. Went back and forth for over a year. Then suddenly there was a new servicer, Roundpoint. They told me that I no longer had an FHA mortgage, it is now Conventional. I was never made aware of the change. During this change, I was in the process of applying for the Making Home Affordable program. I was recently told that I am not eligible for any Government programs because my loan is now owned by a Private Investor. " XXXX XXXX XXXX XXXX XXXX '' XXXX " XXXX XXXX Roundpoint finally approved me for a modification but my monthly payments went UP. Now I reallly ca n't make payments and I 'm afraid I 'm going to lose my home. PLEASE HELP

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 2015-07-22 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: KEYCORP
State: OH

Complaint narrative:
I have asked Key Bank to lower my monthly minimum payment on the two accounts that I have with them. I was in a debt management program for the last 4 1/2 years paying Key Bank {$270.00} on the one account and {$170.00} on the second. I have never been late with any of these payments. I have struggled through 4 1/2 year of making these payment but now since my balances have went down considerably from roughly {$24000.00} down to {$3400.00} I need my minimum payments recalculated to whats allowed by law. I have talked to Key Bank up management and they will not lower my minimum. I think its a disgrace for a person trying to do the right thing gets no consideration. I am currently trying to refinance my home but would not be able to with these current monthly minimum payment on credit card accounts. I will still pay more on these accounts to eliminate them but I need my minimum payments to reflect less so my debt to income ratio will work with my refi. My mimimum payment should probably be no more than {$75.00} or {$100.00} dollars. Even before I went into the debt management program my accounts were not past due. I have always paid them on time well before I got in the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC
State: CA

Complaint narrative:
First off my mortgage lender ( Seneca mortgage servicing ) makes it extremely hard to get hold a live person to talk to over the phone ... and the web sight has multiple issues with the access to loan information or the web site in general. when talking to a loan rep on the phone the refuse to give me account info over the phone and tell to submit a request in writing this has been goin on for months is there any legal action that I can take to resolve repeated issues with this lender ... this not an isolated occurrence there is a long list of complaints on the internet and there customer reviews about there business practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
This is my first mortgage payment. it was transferred to Roundpoint. First, I tried to pay my first payment early. I accidentally typed the incorrect routing number. I called immediately. After an hour on hold, I was told there was nothing I could do, it would be rejected by the bank in a couple weeks. To avoid a late payment, I had to make an additional payment now. I went and immediately made an additional payment. This was taken from my bank account. However, my mortgage account now says this payment was also rejected, because it was applied incorrectly. So the money was taken from my account, but not applied to the loan. I can not make another payment ( as the money is not in my account anymore ), but I am still going to be assessed a late payment. I have been trying to get in touch with customer service for an entire day, with no answer. All I want to do is make my first mortgage payment on time, and roundpoint is literally making it impossible for me to do that.

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 2016-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SCA Collections, Inc.
State: NC

Complaint narrative:
I have never been contacted by SCA COLLECTIONS. However, they appear on my credit and I do n't owe them. I have never been contacted nor has this unknown account been validated. I have contacted them 5 five times. They continue to ignore me and report the erroneous account on my credit. I have also filed a complaint with the AG office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP
State: NJ

Complaint narrative:
Man by the name of " XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through Key Bank NA. He used tactics such as illegally trying to persuade me that he was speaking to Key Bank as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I wanted to make a purchase that was more than my credit limit. I contacted the company and was told that I should pay the amount of the purchase to them in advance, then they would approve the over-limit purchase. I sent an EFT that was credited to my account. When I tried to make the purchase, the charge was declined and FIA Card Services told me there was no way to approve a purchase over my credit limit. I asked them to send the money back. So far they have not done so. They are keeping my money ( {$50000.00} ) under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been trying to get help resolving a lot loan charge off with BOA and I am getting the run around.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: CA

Complaint narrative:
I was not aware Navient was my student loan provider, nor that my loans were considered to be XXXX different accounts. As a result they reported me late and my credit was tarnished pretty badly. I am on good terms with them now but I want them to remove the late marks as I was not aware and it did even more damage than I knew was even at stake

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America called my place of employment and left a message with a coworker for me to call the number on the back of my card. The perception that I was past due was clearly communicated with my coworker. I called Bank of America on XXXX/XXXX/16 and was told that this was not their standard procedure, but after they reviewed the recording and verified the conversation and they did tell my coworkers to call the number on the back of my card, they called me on XXXX/XXXX/16 and said they found no issue with their employee telling my coworkers to call the number on the back of my card. I feel the perception that I owed them money with this message is a problem and leaving a number to call me back on would have been a better alternative. I do believe they have committed a UDAP and I would like their policy changed to protect other consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Colony Brands, Inc.
State: LA

Complaint narrative:
Seventh Avenue is listed on all XXXX credit reports and I did not apply for this account. I have contacted the company several times to try and resolve this issue. I have also request validation of debt which should be a signed contract with my signature. Please do not respond with bills or print outs that is not validation that this account was opened by me. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
after repeated attempts to explain to B of A that my income dropped because of retirement or was about to, asking for credit card interest rate modification, I was told they would review it the next month, also the rate went from about XXXX to over 21 % once they " re-evaluated '' my income situation because I missed work due to medical issue which reduced my income temporarily. I would like to get copes of the phone calls to my cell phone from the period of XXXX XXXX to XXXX XXXX as now they are sueing me for non payment, In turn I will counter sue for harassing phone calls. Repeated attempts to B of A even though I spoke to supervisior was the same rehearsed reply, " we will review this next month '' Many times I answer and asked for relief to hear the same story. Many of there harassing phone calls were from many variations of phone numbers and multiple calls having to say the same thing over sometimes an hour apart. This happened repeately

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 2016-11-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
My husband passed away on XX/XX/XXXX. My son paid off the 1st mortgage. I had the 2nd mortgage to pay for. I loss work do to my husbands death because I was self employed and took it very hard. I had to file bankruptcy XX/XX/XXXX. I paid my 4years and completed the course. After the bankruptcy was completed I received a notice that I was a year late with my payments. I understand that the arrears was forgiven but the bank says I need to provide a letter about it. My Lawyer and the bankruptcy court said it was all in my fillings. they say I owe over {$4000.00} in arrears. I called the bank he said that they started putting my first payment after bankruptcy on the XX/XX/XXXX arrears.. They send me messages each month on the statement that I am late and it could result in foreclosure and the loss of my house. My bal. due as of XX/XX/XXXX is {$10000.00}. I pay a little extra every month. ( {$350.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 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: MI

Complaint narrative:
Navient Never told me that the interest rate on my loans were accruing. I went from XXXX to XXXX I need my principle lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
i applied for a mort loan about 1 month ago. i was trying to refi my bofa loan with that has a XXXX balance with a XXXX pmt to a 15 yr loan for about XXXX per month. i have been with bofa for 30 yrs, i 've had this loan for over 10 yrs paid perfect. they sent me that my beacon was XXXX, home value XXXX. i can show XXXX in assets in XXXX financial institutions and could easily cash in annuities to pay but i dont want to. i am asking only to redo my bofa loan w/no money out ... .i have XXXX for 25yrs this should be the easiest loan you can get, there is no angle that this is not a paying loan. on XXXX i tt XXXX XXXX he asked me to get verification a loan on my XXXX was not mine i did that called the next day no return call ... XXXX & XXXX called left msg no return call ... about XXXX recieved turn down letter that was sent out XXXX XXXX he sent me on a goose chase ... .both XXXX and XXXX XXXX that i spoke to were not very helpful ( useless ). could someone with bofa who can make an educated loan descion please contact me to at least explain to me why you would make this desiscion on a 30yr perfect cust of bofa

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: AS

Complaint narrative:
My son supposedly has XXXX private loans with the Navient. XXXX of them is being paid via my checking account every monthly. XXXX of them is in default, and Navient calls my house at least 3 times a day, my husband 's cell phone at least once a day, and my son 's present employer leaving messages for him to call. They will not provide proof of the Loan. They say we took out a private loan and that {$27000.00} plus was issued to my son on XX/XX/XXXX. We simply asked for a copy of the Promissory Note along with the endorsed check because we do n't feel that this money is owed. We have asked for a complete reconciliation of all debts owed so that we can look at options on our end for consolidation. Each time someone calls, its a different person, about a different account, no reconciliation forthcoming as that is always someone 's else 's department, and no proof as requested. I have written numerous letters on behalf of my son. My son and I have called Navient on many occasions in an attempt to settle this matter, and we yet have any resolve whatsoever. I need a total amount owed for everything, Private, Federal, subsidized and unsubsidized. A settlement offer, if you will, so that we can make these people go away. Right now, all they want is {$80000.00} paid by XX/XX/XXXX or they are going to turn this over to another source of collection. We are not allowed to check but one box in each of your categories in this form, however, if I could, I would be checking everything! NAVIENT is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 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: WI

Complaint narrative:
I have n't worked in nearly 3 years and I am on income based repayment with Navient. Navient took over my student loans, which were with XXXX, prior. I 've heard a story about how many consumers with loans through Navient are being mistreated. I believe I am one. Being on income based repayment, I assumed they would lower me to the lowest amount I needed to pay to stay on top of my loans ... .wrong. I pay {$29.00} a month on my 28k+ student loans. Every month, after I make my payment ( always on time ), the balance does n't go down ... it goes up. This month I even paid a bunch extra and my balance still grew. Every month it appears to grow somewhere around $ XXXX- {$50.00}. In my opinion, I strongly believe that Navient is well aware of this and is not really doing right by their consumers. How can I ever get on top of my loans, if this is what they are going to do? I ca n't. Not at this rate. Any help would be greatly appreciated. If this is happening to me, it must be happening to a lot more. For me and my family, and the others who are going through this, please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A Representative of XXXX continues to call & harass me over a time-barred debt with Bank of America. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.

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