vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, I applied to Bank of America ( " BOA '' ), the servicer for XXXX XXXX ( " XXXX '' ), the lender, for a HAMP Tier 2 loan modification of my mortgage loan no. XXXX, secured by my rental property located at XXXX XXXX XXXX, XXXX, MD XXXX ( the " Property ' ). I transmitted my loan modification application on the BOA required Request For Mortgage Assistance form ( " RMA '' ), dated XXXX XXXX, XXXX, copy attached. BOA then mailed to me a XXXX XXXX, XXXX, letter, copy attached, which letter denied my RMA application for a HAMP 2 modification. The XXXX reasons stated by BOA are stated on the bottom of pg. XXXX and the top of pg. XXXX of the XXXX/XXXX/XXXX BOA letter. The first reason, at the bottom of pg. XXXX, states that the lender DB has not given BOA the authority to modify my loan under the HAMP. The second reason, at the top of pg. XXXX, states alleged reasons which are vague at best. For example, the " proposed modified monthly payment '' is not disclosed. Secondly, the manner in which the " proposed modified monthly payment '' was determined is not disclosed. Third, the document which sets " the required range of XXXX % to XXXX % '' is not disclosed. Fourth, where I fit into the range is not disclosed. Fifth, the calculation formula for the " verified income '' is not disclosed. I took the opportunity, given on pg. XXXX of the XXXX/XXXX/XXXX letter, to ask for a reevaluation. I faxed XXXX fax transmission sheets, a copy of each sheet attached, with my reevaluation request in the form of a new RMA, dated XXXX/XXXX/XXXX, copy attached, and with an updated Hardship Affidavit, dated XXXX/XXXX/XXXX, copy attached. On XXXX XXXX, XXXX, I faxed to BOA a fax transmission sheet and a revised pg. XXXX, copy attached, of the new RMA, dated XXXX/XXXX/XXXX. Again, BOA denied my application for a loan modification. BOA 's denial letter, dated, XXXX/XXXX/XXXX, copy attached, gave as the denial reason that my application did not satisfy an alleged NPV Formula to which BOA allegedly had applied XXXX separate factors without stating the manner in which the XXXX factors have been applied to the XXXX Formula. I then sent BOA a letter dated XXXX/XXXX/XXXX, copy attached, which listed XXXX reasonable requests on pages XXXX and XXXX of my letter. BOA has ignored my reasonable requests. BOA 's denial of my loan modification application and BOA 's failure to respond to my XXXX/XXXX/XXXX letter under all the facts and circumstances manifest BOA 's bad faith in the processing of my loan modification application.

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 2015-05-08 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Bank of America account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Bank of America 's website. Unbeknownst to me ( without any notice ) Bank of America changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the " old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Bank of America to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Bank of America has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 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: OK

Complaint narrative:
I am a cosigner for my son. I have a good credit rating so I am making sure the loan is paid. I do n't deny payment is due but the phone calls are out of hand. I will get a call every hour, sometimes no one is there when I answer. They continue calling until XXXX Today, XXXX/XXXX/XXXX, I spoke with a customer service representative at XXXX central time and told her I would pay the amount due on Friday, XXXX at XXXX central. She wanted me to post date the transaction. I told her on XXXX separate occasions I had done that only to have them process the transaction immediately, causing problems with other payments and would not be doing that again. She supposedly made notes to my account stating the arrangements made. Literally XXXX minutes later I received another call from Navient requesting payment. I told the rep I had just made arrangements. There was nothing showing in file. We went through the whole post-date conversation again. I have tried to get assistance on some of the forgiveness programs but since it is private we do n't qualify. We have been paying on this loan since XXXX and have only dropped the balance by {$3000.00}. I would love to find a way to refinance and get away from Navient. I do n't know if they have internal communication errors or if they are just bullies but I am not a satisfied customer. Also, as a cosigner, I get a call when the payment is late but they want the next months payment at that time too. I refuse to pay it before it is due. I hope this is not the general practice of all student loan companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have been trying for over 3 years for a refinance of my mortgage. each time I check my credit I see it around XXXX on my version. I then apply for the loan and am told my scores are below the XXXX needed for a refinance. my problem is why do the banks see a different fico score than I do personally?

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 2017-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
My mortgage was paid off XX/XX/2016 and my escrow funds have not been sent back to me in a timely manner. Carrington Mortgage Services takes advantage of customer funds that are not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Avant Credit Corporation
State: FL

Complaint narrative:
Avant credit has been wrongly applying the extra payments I make every month to interest instead of principal. 

I am obligated to pay {$360.00} and have been paying {$100.00} a week instead. To date I have paid {$5800.00}. 
Avant has only applied {$2200.00} to principal. To further test their wrongful allocation of monies I am paying them from online bill pay through XXXX XXXX XXXX, I sent in a {$5.00} payment and in the comments put " principal only '' - they added this payment to interest XXXX % along with the next payment of {$210.00}. The {$5.00} payment was made on XXXX and the {$210.00} payment was made on XX/XX/XXXX 

The facts are simple. They agreed over the phone around XX/XX/XXXX ( they record all calls and the calls can be subpoenaed ) that any extra payments would be applied to principal. They are treating my principal reduction payments as though they are advance payments which they are not. There are no prepayment penalties. 

Avant 's deceptive allocation of principal payments have made it next to impossible for me to payoff my loan early as a responsible consumer. They have not clearly outlined in writing how a consumer can make principal only payments and by creating this breakage model, are effectively creating a prepayment penalty which the contract I signed expressly indicates that there is no prepayment penalty. Their deceptive payment allocation practices amount to constructively blocking a person 's ability to pay out their loan early thereby saving them interest as evidenced by the fact that even a payment labeled " principal only '' was put 100 % to interest. 

When you divide the interest applied ( {$3500.00} ) from the total amount paid ( {$5500.00} ) the effective interest rate I have paid is 60.9 %. My contract states that my APR is 35.94 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
I am trying to payoff my loan. I am told the only way to pay off the loan early is to pay a XXXX $ penalty/fee. The lender will not let me pay the required extra principal to pay off the loan because the lender limits the amount of extra principal that can be paid within a 50 day period, on-line, and by phone. I have a choice of making one extra payment every 50 days ( would take 4 months ) or pay the penalty/fee for paying off the loan early and getting the lender to provide the paperwork. When I told lender I was going to report this, all I got was the representative indicated she did not consent to being recorded and I could not use the information she provided against the company or her.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
I am a XXXX Veteran since XX/XX/XXXX ( approximately ) and because of this I am exempt from paying state property taxes. Freedom Mortgage ( Lender ) has requested paperwork stating my exempt status. I have sent them the paperwork three separate times and they say it 's not the right information. This is paperwork from country courthouse/government center and is the legal paperwork for this exemption. They are ignoring the status and since the acquisition of the house on XX/XX/XXXX have been charging property tax to the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Financial Business and Consumer Solutions.
State: TX

Complaint narrative:
XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Earlier this year, I refinanced my mortgage with Freedom Mortgage. 
In XXXX, my mortgage was transferred to XXXX Mortgage. 
My XXXX mortgage payment was sent to Freedom Mortgage, For the past FOUR months I have been trying to get Freedom Mortgage to send that payment to XXXX. I continue to be bombarded with calls and letters telling me of my delinquency. I have called over 40 times XXXX, I keep getting told I will get called back. No one calls me back. The only numbers I have are toll free numbers. People I have talked to about this problem include : XXXX XXXX, " XXXX '', " XXXX '', I asked to speak to a supervisor, XXXX XXXX XXXX, left countless messages-he never got back to me. I am worried about my credit rating, I am beyond frustrated. I need your help! Please!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Business and Consumer Solutions.
State: FL

Complaint narrative:
I received a phone call from a number and they asked for my fiance. When I said he was not available they hung up immediately. When I called the number back it was an automated recording that stated they were XXXX collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: OR

Complaint narrative:
FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I have been working on a modification with my current lender Freedom Mortgage since XXXX/XXXX/16, the file was deemed complete on XXXX. Every week that I call Freedom Mortgage they provide a different dates it was deemed complete until I read them the previous weeks notes and then they confirm I was correct would be the first problem. The start of the problem is according to the Lender the file goes to underwriting to see if they have all documents and then the file gets assigned to a single point of contact after they decide to deem the file complete which according to the weekly calls was completed on XXXX/XXXX/16 as I mentioned earlier. I was informed that the file would have a decision on XXXX/XXXX/16 and assigned, I called today and the file is not assigned and there was no decision on the XXXX of XXXX nor today which is now the XXXX and we are 40 days from when the file was deemed complete. The representative that I spoke to today stated that the 30 days for underwriting does n't apply to Freedom Mortgage because they can go up to 45 days. According the the CFPB guidelines the lender is to send a notice to all clients stating that the file is completed and the 30 days starts then, no letter has been sent nor received and Freedom Mortgage is not in compliance. 

I will not let Freedom Mortgage victimize me and take away my rights as a consumer when guidelines have been placed for all services to comply to ensure proper procedures are being followed.

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 2016-04-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
i applied for a loan the loan officer looked up the credit score and told me the score was at XXXX was to low to refinance but when i looked it up on experian i took the XXXX scores over to the branch bank they sent it to the loan dept it was at XXXX how is that different also the bank sends me papers to sign thing to me the loan went though but it did't that 's not costumer service the branch bank said it should go though

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 2016-12-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
XX/XX/2016 I purchased my home and my loan was sold and serviced by Freedom Mortgage. The mortgage was an FHA loan. In XX/XX/XXXX I received an offer from Freedom Mortgage for the FHA Streamline refinance program and I applied in order to reduce my rate. Initially, the closing was going to occur in XX/XX/XXXX until I was notified the program requires 6 months of on time payments. Given my mortgage was new the 6th payment would not be made until XX/XX/XXXX. I remained in communication with the loan processor XXXX XXXX, who told me everything was fine and once the XX/XX/XXXX payment posted we 'd move to closing. My payments are setup to pull automatically every month on XX/XX/XXXX and have been since the loan 's inception. My Bank account can show this. On XX/XX/XXXX I followed up with XXXX to notify her the payment had been pulled. Around XX/XX/XXXX my wife, who is a co-signer, received a Credit Denial letter. I myself have not received a decline letter. The reason for the denial of credit was due to a late mortgage payment. This is inaccurate and they should know better since they can see my loan payments are pulled by their system every month automatically. When I inquired about this the processor pointed to the loan officer, then loan officer pointed to the processor, and then the processor pointed to the underwriters. Nobody was willing to admit a mistake was made and to correct it. Finally I got a manager 's information from XXXX, her name was XXXX. She too was of no help and would not recognize their mistake. 
This is unacceptable practice. The denial reason is bogus and easily corrected if they would simply check their system and confirm the loan payments are automatically drawn each month. I called their customer service to confirm we were current, and they concurred. Clearly a disconnect between their departments and information between the two. 
What is even more upsetting is the rate lock has expired now and with the rising interest rates over the past few weeks I will not get the rate which was originally locked at 3.75 % even if they were to reopen the application. This rate reduction would have saved me over {$25000.00} in interest and I intended to keep my payments the same at which I pay today. This would have eliminated close to 4 years off my mortgage.

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