vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Bank of America ( BOA ) misrepresented certain facts, Made oral promises that they have failed to fulfill and induced me into legal action which was detrimental to my legal interests and financial future. During the pendency of my divorce in 2010, BOA representatives advised me to sign a Quitclaim Deed so that my ex-husband could keep the house and sign the mortgage modification. They led me to believe that I would be removed from the mortgage after my ex-husband XXXX XXXX has successfully paid the mortgage for a year on his own. ( I have an Affidavit signed by XXXX XXXX ). I was never advised to speak with a lawyer before signing the Quitclaim Deed. BOA then subsequently agreed to a mortgage modification for my ex-husband due to the reduced earnings in his household post-divorce. That mortgage modification was agreed to and signed by my ex-husband after the divorce was finalized. Despite the fact that I was not a signatory to that agreement, BOA has continued to hold me responsible for that mortgage. BOA has never released me from this mortgage obligation as the representative stated would occur ( I have a confirmation email to BOA rep by XXXX XXXX ). Moreover, BOA then sold the mortgage to XXXX who continues to hold me responsible for a modified mortgage I never agreed to and to which I do not hold title due to the advice of BOA reps who told me to sign the Quitclaim Deed. As a result, I have suffered financially. I have been unable to individually purchase a home and qualify for a mortgage as a result of the misrepresentation and improper legal advice provided by a non-lawyer representative from BOA Despite many years of my ex-husband paying the mortgage on his own, and despite recent attempts on my behalf by my lawyer, BOA still refuses to release me from this mortgage obligation ( absent long and expensive litigation against BOA ). Nor could a family lawyer convince the Court to force my ex-husband to refinance. Nor do I have standing to file a Petition to Partition the property to force a judicial sale ( since I am no longer on the title ). Therefore, if my ex-husband never sells the property I am saddled with financial responsibility for this mortgage for the rest of my life.

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
Consumer complaint received 2017-01-19 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: OH

Complaint narrative:
I do not understand how I owe so much money to XXXX/Navient. Upon graduating i owed over XXXX due to the insane amount of interest. XXXX had never disclosed the amount of money that i would owe upon graduation and I too like many others am suffering from an insane amount of student loan debt. Luckily, i was able to consolidate some of my loan debt elsewhere but still owe an astronomical amount of money due to their Unfair practices. Please help me understand why I owe so much money and lead me to the right place to get rid of some of the debt I owe. I will never be able to pay off these loans even with the amount of money I make now. Why do I have to suffer when I did the right thing and went to school for more education and finished and got a job. XXXX/Navient and all others really take advantage of young borrowers.I attended XXXX as well as XXXX University.

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loan balance increase each year after being deferred or on forbrance. My payments were high on my loans. I was told to put my loans on forbrance for and apply for a low income payment. My loans were suppose to be at XXXX XXXX but because of the interest my balance is XXXX XXXX. I do not know if you all can help. I did see in the night news that XXXX / XXXX did not inform students with the interest rate going up so high. I was XXXX of those students. I have not be able to purschase a home because my student loan debt has me drowning in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 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: IL

Complaint narrative:
I have been repaying my student loans under the income-based repayment and REPAYE plans.  I have to recertify every year and have my monthly repayment adjusted based on my income for the year.  Until the recertification is processed, the account defaults to the standard payment amount.  

I have been begging Navient for months to process my recertification.  I called a few weeks ago to let them know my account was about to revert to the standard payment of over $2000, and I was told my application would be processed and my payment amounts would be adjusted.  I was also told what the amount would be.  That amount has not been reflected on my account, and I refuse to pay an amount that is more than 5 months' worth of payments at one time.  I have left Navient multiple messages that have gone ignored, and today they had the nerve to send me a message informing me that I am in default.  I am at my wit's end.

It is not fair that my credit might be at risk because they can't get their act together.  This happens to me every year, and it is about time that Navient gets punished for their poor service.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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: WV

Complaint narrative:
I was never given the options for for the income based repayment option. Only forbearance and deferment. They payments were always more than what I could pay. When I did ask about the IBR options I was told I would not qualify with the status I was in due to exaughsting forbearance and deferment options and I would have to pay back at an intolerable amount each month. After a year of rehabilitation got on a program where I could actually afford the payment. Since this option was not made available anywhere near the beginning of my student loans my debt has more than doubled. There is a large amount of service fees that were added and my credit score has been severely affected. I have only recently been able to get a car loan and the interest rate I had to settle for is well above the national average.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I SUBMITTED A CHURCH CHECK FOR MY HOUSE PAYMENT FOR XXXX 2017 AND THIS SERVICER INTENTIONALLY DESTROYED IT SO THEY COULD HAVE THE OPPORTUNITY TO FORECLOSE ON ME. THIS HAS BEEN PROBLEMATIC FOR THE LAST SEVERAL YEARS. IN ADDITION, THEY ARE CLAIMING THAT I MISSED MY XXXX PAYMENT, WHICH IS A LIE. THEY ARE WORSE THAN THE WORST. EVERY YEAR THE XXXX HELPS ME OUT FOR ONE MONTH OUT OF THE YEAR AND THIS SERVICER WILL NOT ACCEPT IT, WHICH IS ILLEGAL. I HAVE POSTED THIS COMPLAINT AND IT IS VIRAL AND WILL BE RECEIVING RESPONSES FROM VARIOUS. I WILL NOT ALLOW THEM TO INTIMIDATE NOR THREATEN ME IN ANY WAY AND ACTION WILL PREVAIL AGAINST THEM. 

THEY ARE PENNY MAC AND ARE A WHOLE SALE ONLY. THEY ARE NOT AN INSTITUTION AS THEY PRESENT THEMSELVES TO BE. THEY ARE FRAUDULENT AND THE SERVICES THEY OFFER ARE WITH BLOOD ON THEIR HANDS AND THEY ALL SPEAK WITH FORK TONGUE. THEY HAVE LAW SUITS AGAINST THEM AND THAT TOO, IS ON THE WEB. I WOULD NOT RECOMMEND THEM TO A SHARK. 

THE GOVERNMENT NEEDS TO INTERVENE AND CLOSE THE DOORS, AS THEY CONTINUE TO BE PREDATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
Credit protection association is trying to collect a debt ( # XXXX ) that does not exist on behalf of XXXX XXXX from XXXX. XXXX XXXX received the equipment in question and I retained the receipts when mailing said equipment back to them. When this debt originally populated on my credit report I asked XXXX to perform an investigation and to ask this debt collector to prove the validity of this debt This debt collector could not so so and the results were that the collection was removed from my credit report on XXXX/XXXX/XXXX. This debt collector is trying to collect under false claims. I need them remove this collection from my credit report asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
XXXX sent a collection of about {$600.00} to a collection Agency in XX/XX/XXXX. This Optimium Outcome Collection company sent collection requests to all XXXX credit bureaus and damaged my credit score!!! The debt of {$600.00} has already been PAID OFF by my health insurance company in XX/XX/XXXX!!!!!!!!!!! I called together with my insurance company to XXXX ' billing department in XX/XX/XXXX, and they confirmed that it was their mistake and they had already received the payment in full in XX/XX/XXXX. I do n't know XXXX they sent to this to the collection agency again!!!!!!!!! I request monetary remedy from both XXXX and Optimum Outcome for damaging my credit with their mistakes!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Data Line Credit Corp
State: CA

Complaint narrative:
This collection company has reported information in my credit report without providing adequate proof of the actual debt or original paperwork of ownership of the account. When I called to request this information about the inaccuracy and try to request documentation, the person that answers " XXXX '' was rude and very condescending. When I asked if I could speak with his supervisor, he laughed at me and told me " You can call and request to speak to a supervisor all you want, but you 're not going to get what you want! '' He went on and told me to shut up and listen to him, that I would need to pay for the full collection if I wanted the account deleted from my report. No documents have been provided up to date and XXXX 's and XXXX 's dispute system has not worked for me one bit. There is a message that states that account has been verified, but I still do n't have any original paperwork. I have done research about this collection company and there are similar complaints about this individual XXXX. I find these offenses to be great FCRA violations as I am XXXX and am held responsible for these laws and regulations. I feel that all should be equal and this company DATALINE should be held within the same standards. 


XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
I had XXXX collections, all less than 500 $ on my credit. most are 2-3 years old. I disputed the balance, as they hospital sued me, which also shows up on my credit report. So the collections show up twice once in collections and once in civil. After complaining ALL the collections were removed and made into missed payments and current debt and not collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC
State: MN

Complaint narrative:
Received a mailing from a company called Big Picture Loans ( www.bigpictureloans.com ) stating that I was pre-approved for a loan. I applied online, and halted the process - the company is charging in excess of XXXX % interest on their loans. In order to borrow the approved amount of {$550.00}, it would have cost me over {$3000.00} to repay over the course of the year following. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I applied for a XXXX loan with XXXX now known as BIG PICTURE loans i was not made aware of the extremely high interest rate of at 846 percent until after I signed the contract and received the money.i applied for this loan in XX/XX/XXXX and I have been paying XXXX dollars every two weeks toward what they call a finance fee but my loan amount is still XXXX due to them adding a XXXX dollar fee to my loan I was told by the rep that I needed to pay more money toward the finance fee so it would go toward my loan balance this has caused me hardship and I have been upset that I got tricked by these sharks I even went as far as changing my bank information so they could not get anymore of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
wells fargo is the heridator, assignee, heir of banks I held certificates of deposit and othere accounts. they refuse to honor payment of certified checks and/or certificates of deposit held by the prior institutions. they do not respond to questions, rather than to say it is n't their problem because records do not have to be maintained. in the meantime I am out XXXX figures originally set aside in cd 's for the higher education of my children. as well as a XXXX figure certified check they cashed remanding the money to someone I have no contact with.

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 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma, LLC
State: OK

Complaint narrative:
Any time I try to acquire my credit report from any agency or company, they are unable to " verify my identity. '' I have had a credit card for over eight years now, and any time I try to check my score, I get the same response from every single company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I had a few lenders you had helped me get off my back harrassing me after I found out its illegal to give a payday loan onlime in massachusettes. Esp at the intrest rates given me at 817 apr! I have XXXX final lender I need to report abd ask for a charge off. This is the last one. I had someone hack into my bank acct before XXXX and I had to close the acct and open another at td bank. So lendgreen at this point is unable to take payments but I can not afford the apr at this rate and being its illegal to loan online in mass they should of never advertised in my email in the firat place. This was the last of a string of bad decisions. If this will go away will be a releif for me and let me pay my other obligations with creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber
State: NJ

Complaint narrative:
To Whom It May Concern : I was checking my credit score through XXXX and noted a significant drop in my XXXX score. A collections account appeared for a company called Grant and Weber. I checked the details and it shows XXXX line items for a medical center XXXX which provided services to my daughter and myself at different times. However, all of these accounts were paid in full prior to moving XXXX XX/XX/XXXX. According to the line items, the account numbers were sequential and each charge was between {$120.00} and {$120.00}. What is also suspicious is that they have billing dates of XX/XX/XXXX, when we have already relocated XXXX for over a year. In addition, we had double insurance coverage between my husband 's and my work insurance plans, our medical bills were never over the co-pay of {$100.00} as well. Since I have not been contacted by them, I do not have enough information to formally dispute or verify this debt s legitimate. 

Thanks, in advance, for your help in this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation