vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: FL

Complaint narrative:
We are a restoration company and we did repairs for a homeowner after a fire. Their homeowners insurance carrier paid the claim and as usual the funds came in a check with the mortgage carrier named on the check. Selene Finance has been holding the funds for nearly 8 mos. and is refusing to pay out. We have complied with dozens of requests, repeatedly, submitting the same paperwork and the same authorizations. For 4 months now we have been stuck in a cycle of Selene saying we are not on as a third party to speak to. We submit the authorization again, and they ask for the entire package to be sent in, again. We comply, and they state that they need to speak to the Homeowner. We get the Homeowner to call, and they say they need to review, when we call back they start all over again stating we are not authorized as a third party. Each step and submission is a 4-6 day process, so each cycle is a month of constant work. 

The home owner was living with a burnt out kitchen so we did the repairs with the promise from Selene that we would be paid. Now they refuse. 

Selene is withholding an insurance settlement even though they acknowledge they had a 100 % inspection by their third party inspector and a certificate of completion from the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: AL

Complaint narrative:
Navient claims to have disbursed more money to my University, than my University actually received. Additionally, Navient credited my account for payments that I made, and then reversed the payment. I have contacted Navient customer service, but their representatives tell me that they can not figure out what is going on. I was told that they would send the information to their superiors, and someone would contact me but no one has contacted me to resolve the matter. Every time I call to check on the status of my complaint, I go through the same process of explaining my problem, then I 'm told someone will contact me ... no one ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I believe navient had wrongfully charged me by putting my loans in forbearance in the past and has now charged me for the intrest and added it to the total of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I purchased a property with a mortgage from BofA at XXXX, Fl XXXX. 
BofA ordered an appraisal with XXXX ( a part of BOFA at the time. They chose XXXX XXXX a fly by night who did not do a valid appraisal. I Asked BofA to do a new appraisal as his appraisal had many errors and I was concerned. XXXX XXXX my loan officer said " it does not matter. All that matters is you get the house ''. I have repeated asked for a new appraisal or an appraisal review but they refuse as XXXX BofA person said '' we dont want to do it because it will come in so low '' .Now I am stuck with a butchered house remodeled without licensed persons or permits and have over {$71000.00} of code violations and must do repairs. I am angry that BOFA accepted the appraisal report after I complained. Apparently they think my opinion does not count.They have refused to do anything to take responsibility for what they did. I had an appraisor come inspect my home and he said XXXX XXXX did not do what is required by Floridas Statutes Scope of Work. I also talked with more than a XXXX appraisers in the area who said the appraiser should have checked public records to see if permits were pulled on such an extensive renovation. XXXX did not. I can not live in the home ( firetrap ). There is no electricity in half the house as is, wires are spliced and i have been unable to even turn on the elec water heater. " electricians told me not to. I have been told by lawyers that I can not rent or sell because I would be held responsible. Also about XXXX months after the closing BOFA sold my mortgage to XXXX XXXX. I contacted them and explained the problem and was very hopeful as they told me they could send the loan to BOFA or order them to pay me for the repairs. Then they changed their minds and. I think both banks want me to default so they get my deposit {$25000.00}, closing costs and all the payments I have made for almost XXXX years. 
SOUNDS FAMILAR! 

can you please help? 
sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 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: FL

Complaint narrative:
In the XXXX of 2016 my payment unexpectedly doubled. The payment had been roughy {$60.00} for as long as I can remember. When I contacted Navient for an explanation they said they did a " routine '' analysis of my loan and realized it needed to reamoetized to keep it on schedule. This means that my loan has been amortizing wrong for an unknown amount of time. Which means I would have not been paying down principal at a pace which would have resulted in me paying an unknown amount of extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I called a number that I found when I searched for Navient Customer service. I called twice. Each time I answered they said Hello, my name is XXXX. Are you calling about your federal student loans? I then said yes and proceeded to give them my email and social security number. They emailed me a pin number that I needed to repeat to them but I needed to get off the phone to view the email. They were both times to call back in 5-15 minutes. Neither times did I receive a call back. The number I called was under navient.studentserviceloan.org. 
The two numbers I called was XXXX. Then after I began to think I may have been scammed, I searched navient customer service again and a different number XXXX. So I called for sure third time and when they said Hello, my name is XXXX. Are you calling about your federal student loans? I ended the call.

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: OH

Complaint narrative:
I 've tried for many years explaining to them how I could not afford my loans after college and they kept changing programs on me. I went from owing XXXX to now owing XXXX and my payments have tripled and I really ca n't afford them now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to " reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at BoA and have not been able to resolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05 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:
My Navient Online account was locked, preventing access to my information. The site said to call to unlock my account. The phone number provided registers as out of service, or directs me to an automated call service which has no info concerning locked accounts. 

Emailing " XXXXXXXXXXXX '' results in a reply saying, do not email this account, please log in, ( which is impossible ) with a locked account. 

It seems that unnecessary burdens to account access are in place to prevent consumers from having the information necessary to make financial decisions. 

Please disband this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I was approved for a then XXXX student loan. They have since change their name to Navient, but the same problems still exist. I have XXXX private student loans through them and each and every month the amount of the loan continues to rise. They told me first that it was because I had a variable interest rate that was not supposed to go over a certain amount. Now they are telling me that there is no cap on the amount of interest for the variable rate. Navient charges outrageous and ridiculous fees. I have other private loans with institutions such as XXXX Bank and have not ever once had the problems with them that I have with Navient. I attended the University of XXXX at XXXX and XXXX when I took out the " XXXX '' Navient student loan.This company was sued before in a huge class action lawsuit for their fraud and fees, and now they have changed their name so that they can continue doing the same thing.

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: CA

Complaint narrative:
I attended XXXX XXXX XXXX XXXX CA during XX/XX/XXXX -XX/XX/XXXX. I remember signing for loans and creditors constantly change their name. High interest accrued daily and failed to provide students with repayment options. I was pulled out of class constantly to sign for loans and was told you have to sign right now or else we are going to drop you out of the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was formally a XXXX XXXX borrower and a few years back they offered to consolidate my loans into XXXX loan. Later they converted my loan to Navient. Last year I heard about student loans forgiveness that was offered for people who work for a non-profit public health entity. I questioned Navient about this type of loan and all they would tell me was they did not service those type loans. I tried to convert the loan with XXXX and get my status recognized. I had my employer fill out paperwork and it was rejected because I was in the wrong type loan. I feel that the proper type loan was not offered to me ever and I have been taken advantage of by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 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: The CBE Group, Inc.
State: GA

Complaint narrative:
I received a offer from a debt collection company in XXXX with a offer at a reduced price to settle the debt for XXXX. We accepted the offer and settled debt in full. I have receipt of this debt. The difference between the original amount due and the offer is around {$150.00} and now another debt collector is calling me in XXXX for the difference. I have called XXXX and they refuse to help me or speak to me but forward me to the new debt collection company. I refuse to speak with this new company as I feel its a violation sharing my information and reporting on my credit therefor I wont offer my information to them, which would be volunteering my information. their # ( XXXX ) XXXX but XXXX has shared my information with this debt collector after the debt was settled in XXXX. I 'm filing a separate complaint about the debt collection company this is for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 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: WA

Complaint narrative:
Please refer to a previous case number that was closed and should not have been : XXXX. 
I am attaching more files for reference : Email sent to Navient on XX/XX/XXXX however the dispute had been closed and should not have been. 
I was told over the phone on XX/XX/XXXX, that as part of a forbearance Navient would show the account as current and Navient would remove any negative reporting. Based on the information provided by Navient and its representative, I agreed to the forbearance. 

34 CFR 682.211 ( c ) allows lenders and borrowers to agree orally to a forbearance as follows : " Except as provided in paragraph ( d ) ( 2 ) of this section, a lender may grant forbearance for a period of up to one year at a time if both the borrower or endorser and an authorized official of the lender agree to the terms of the forbearance. If the borrower or endorser requests the forbearance orally and the lender and the borrower or endorser agree to the terms of the forbearance orally, the lender must notify the borrower or endorser of the terms within 30 days of that agreement. '' In this case, the terms of the agreement were stated in the XXXX XXXX, XXXX telephone call. The call was recorded. I have requested a copy of the recording on multiple occasions, both in writing and over the phone. Navient has refused to provide the recording which states the terms of the forbearance agreed to. Additionally, on XXXX XXXX, XXXX I requested ( via email ) a copy of Navient 's policy regarding releasing phone recordings. See attached. Navient has refused to fulfill my request. Because Navient has failed and refused to produce the oral forbearance agreement, Navient has not addressed my complaint. 

In addition, Navient NEVER sent me the letters dated from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which purport to put me on notice concerning the loan status. When I log in to my Navient account, it shows all the correspondence that Navient has sent me. See attached. Those letter are not showing in my inbox, and I NEVER received any of those letters in the mail. Since the letters were never sent ( as is confirmed by their own website ), any required notice to me was defective. If Navient is generating these letters after the fact, they need to be investigated. Demand is hereby made for Navient to remove the negative information reported to the credit agencies pursuant to our oral agreement on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
Hello, I contacted Navient customer support on XX/XX/XXXX regarding a loan discrepancy that I recently discovered. A representative advised that I reach out to an advocate and provide documentation. The advocate has provided no response in this matter. Your assistance would be greatly appreciated! 

I have a Signature Student loan with Navient for {$12000.00} that was not fully dispersed to XXXX University, although it shows that I have been repaying with interest for a significant length of time. I withdrew from classes weeks into the first semester. The documentation provided by XXXX University shows the effective withdrawal date of XX/XX/XXXX, associated fees, and refunds. 

This {$12000.00} loan should not exist as I did not attend XXXX University - this is absolutely an error on Navient 's behalf. 

XXXX UNIVERSITY NAVIENT PRIVATE LOAN TRUST Signature Student ( {$12000.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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: NY

Complaint narrative:
I have been repaying Students Loans to XXXX XXXX and now Navient for the past few years and have been a victim of the exact things they are now being sued by the federal government for. I was never given different options of repayments and they always encouraged me to take a forbearance during my times of financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a permanent loan modification through the National Mortgage Settlement from Bank of America on XXXX XXXX, XXXX. I paid three trial payments and then executed the permanent modification documents in XXXX XXXX. In XXXX XXXX, Bank of America subtracted the principal forgiveness as promised. I received a XXXX for {>= $1,000,000} for the year XXXX. I filed my taxes and claimed this loss. But the following month of XXXX XXXX, the servicer, Bank of America put the whole XXXX back on the loan. My mortgage statements still show old payments and old loan amount.

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 2017-01-23 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: KS

Complaint narrative:
I have loans with Navient, my monthly payment changed from about {$80.00} to {$230.00} without the proper notification. I have been steered several times over the course of this loan to take a forbearance and have done so because they have been difficult in providing the option of a finance-based loan repayment. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank is refusing to produce the records requested by a subpoena dated XXXX XXXX, 2015, for copies of specific documents from an IRA account for a deceased account holder. It appears Huntington Bank issued checks to the wrong beneficiaries on the IRA account of concern. Huntington Bank personnel indicated they disbursed beneficiary checks to XXXX ( XXXX ) individuals and they provided the names of those individuals ( XXXX sisters and XXXX nieces of the deceased account holder ). A Huntington Bank document in my possession indicates there was only XXXX ( XXXX ) primary beneficiary ( XXXX of the sisters of the deceased ) and XXXX secondary beneficiaries listed on the beneficiary document. The beneficiary document indicates that secondary beneficiaries are not supposed to inherit any monies unless all primary beneficiaries are deceased. The primary beneficiary is alive. On the document we possess it is noted that the primary beneficiary is supposed to receive 25 % of the account funds. Therefore, the remaining 75 % of the account funds are supposed to be probated ( or distributed via a settlement between the parties ). I am a probate beneficiary and I also am acting on behalf of the other probate beneficiaries for this account. Huntington Bank is also refusing to provide our attorney, me, and the primary beneficiary with the requested documents. Huntington Bank 's failure to comply with the subpoena is creating additional stress, attorney fees and expenses for me and the other beneficiaries, as well as causing a serious delay in the resolution of this probate estate matter and further duress by this delay. Huntington Bank needs to provide copies of actual requested documents to our attorney immediately. If Huntington Bank is not able to provide copies of actual documents matching the distribution made by their agents, Huntington Bank needs to request that their insurance company restore the funds to the IRA account and await further instructions from our attorney regarding the proper distribution of the beneficiary funds. Also, Huntington Bank billed our attorney {$16.00} for sending our attorney a letter with the information improperly provided ; the subpoena requested copies of actual documents and not someone 's typed interpretation of those documents ; Huntington Bank needs to reimburse me for that charge ( passed on to me by our attorney ). Huntington Bank will also need to reimburse me for all attorney fees, legal fees, expenses and court costs created by their mistakes and improper delay of this case. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My loan payment jumped approx. {$40.00} per month after paying over five years of on time payments. I called Navient and asked why and they stated a routine audit was conducted that found that I was not paying enough money, so they raised my payment without notice. I also was informed that I have " late fees '' that are over five years old. If I have been making five years of time time, direct debit payment how do I have late fees. I attempted to get these questions answered and when the representative was unable to answer my questions I asked for a supervisor, I was told that I was not able to speak to a supervisor and they hung up on me.

Company response to consumer: Closed with explanation