vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-20 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: GA

Complaint narrative:
I 've been paying on my loan since I came out of forbearance, interest payment, etc. for several years. I make monthly payments but the amount of the loan never decreases, not even a XXXX. I have asked for loan forgiveness programs and others to decrease payment and has been informed that I do not gualify for anything. What really puzzles me is that the loan does not decrease no matter what I pay. 
My employment and service for 40 + years have been helping XXXX. At one time, I was told if I worked in this capacity I would qualify for some type of loan forgiveness but, I have yet to see this happen. Please help me get some relief. I pay and my loan continue to grow interest and increases.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I would like to file a Complaint against Bank of America Home Mortgage as it pertains to erroneous escrow [ Insurance ] charges to my Acct -- which is a XXXX year fixed rate conventional mortgage with a monthly fixed payment. We have provided numerous documents to B of A proving seamless, and correct coverage .I purchased my insurance through a reputable insurance agent who simply made a change in the underwriting but not in my coverage back in XX/XX/2016. There has been no lapse of coverage proven, and no non payments of the original mortgage amount. i have received a past due notice for the mounting amounts for the erroneous escrow charges. Upon visiting a local B of A office this am, i was told i must first pay the erroneous charges before they will relieve them from my account. According to the local B of A office at XXXX in XXXX, NC XXXX XXXX # XXXX, " their '' mistake has been on file/record for months but they can not correct the erroneous billing error. This is an unfair banking practice to have me, as a consumer, pay hundreds of dollars in erroneous escrow charges first BEFORE they will correct " their mistake ''. Yes, i said before B of A will relieve all escrow charges from my account. Apparently, this is a scheme to hold a loan customer XXXX, i worry that it may impact my credit as well.. Please advise -

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 2015-07-02 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: The CBE Group, Inc.
State: WI

Complaint narrative:
I 'm XXXX, you used The CBE group to take my XXXX away to pay whatever. I used to live on {$XXXX} a month, you are taking {$300.00} away from My XXXX. I ca n't live on so little. Please forgive what you think I owe. I 'm dying. I sent XXXX letters of hardship, no one even looked at them. Is it ok, to kill me? Why do you have outside company 's like CBE and now another to do harm to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
the debt in question is not mine I was XXXX between XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America told my wife and I that we had to be 90 days late on our mortgage in order to short sale our home. Therefore we, got behind on our mortgage and when the short sale was finally approved and we had an offer on the house it had been a year because Bank of America held it up so they could keep charging late fees and penalties. Now on top of having a short sale on my credit I have a years worth of late payments on my credit. Now I have poor credit and cant get another home loan right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 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: AZ

Complaint narrative:
To start out I have both private and federal student loans for going to XXXX in Arizona. When I first signed up they told me my credits were transferable, they would get me a job after I graduate and help as much as possible with financial aid which at the time sounded like a good thing. Half way through my XXXX program I went to my advisor and asked about going to XXXX they told me my credits actually did not transfer to Universities like they originally promised me. I was very frustrated so I decided to stop at my XXXX degree since I was only a semester away from it. Just for my XXXX degree I am XXXX in debt and that does n't include the money I paid out of pocket since I did n't qualify for some grants supposedly. Now I am going back to school and paying out of pocket since I am scared more student loans will harm me due to debt to income ratio. PLEASE HELP!!!

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: MD

Complaint narrative:
I refinanced my loan from Navient XX/XX/XXXX. They provided me with all of the numbers which needed to be inputted to ensure that my loans were paid in full by the company who was doing the refinancing. The paperwork went through that same day, and yet I still owed a balance ( roughly equal to a 2-3 days worth of interest ). I have always figured this was due to their incompetence, but was stonewalled by their customer service team. My final supplementary payments went through on XX/XX/XXXX for {$210.00} and {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus Inc is 30 days behind on mortgage payoffs. Requests have been made by myself ( via phone and their website on XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15 ) and by the title company doing our closing ( I do not have the dates they requested payoff ). Website states 3 days for payoff, phone states XXXX to XXXX days but when I spoke to a representative today, he stated they are at least 30 days behind, as a result we can not close on the house and the buyers may back out. Multiple websites reflect poor reviews on payoff requests. On top of that Seterus is a debt collector, not a mortgage servicer and they treat you as such regardless if you make your payment on time and pay more than what is required. By far the worst company XXXX could have chosen to service their loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My husband and I had mortgages Bank of America For the last twelve months they have misrepresented that they would modify a line of credit as my husband and I has lost our jobs. They refused to take any monies from us during this time even though we were trying to become current. The after they kept stringing us along for 8 months. 
They denied the remodification and foreclosed on us even after we brwd the money to pay. 
after t

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The deposits that were made for additional principal payments were not fully credited to the principal balance. According to the bank, some of the checks deposited were returned. 
We were never informed of the returned checks. Despite numerous requests to get copies of the returned checks, the bank failed to provide us with copies of the returned checks. Even though our requests were very specific, instead of copies of the returned checks, the bank kept sending us the account transaction history. 
[ The detail description of the issues is attached herewith. ]

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
the bank : Bank of America has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with Bank of America

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 2015-07-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Bank of America then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.

Complaint narrative:
Dear Sir/Madam : I 've just read an article about problems with the lender Navient. I 've been paying a student loan for many years now and I 'm based in XXXX and working for the XXXX XXXX. I usually call Navient from abroad to make payments and at least twice a year for the past two years my loan payments have been misposted ( Instead of making a payment against the federal loan and a payment against the private loan, the payment is being posted to only the federal loan ). Since I 'm in XXXX I do n't get phone calls about late payments, until my aunt contacts me here saying that Navient has been calling her about late bills. And they have called her at least 10 times in one day!! Is n't that harassment? At any rate, I 'm usually on time with my payments, it 's just frustrating and time consuming to call and request that adjustments be made to my account to apply payments as per my original request. I really thought my case was isolated, but now based on the article I read, I understand that it is a bigger problem. Please let me know any further information on how this issue is being resolved with Navient. 
Best wishes, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have been having a great deal of problems with payment acceleration ( as opposed to application to principal ) and payoff processes with both XXXX XXXX Borrowers and, especially, with Navient. I repeatedly asked that payments in excess of monthly minimums are made toward principal and they instead move out my next due date. I was told that moving out the due date was " the same thing as applying toward principal '' which it is clear not. At best, this is fraud ; at worst, this is a systematic theft from borrowers where the company puts up onerous barriers to prevent principal payments and uses intentionally obscure language and interfaces surround application of overage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of America took my hard earned tax paying dollars as well as everyone else 's in the bailout and then did absolutely nothing to help me with my underwater property in FL which is what the money was designated for. I have been trying to speak with someone at Bank of America since 2008 to gain access to principal forgiveness or principal reduction and continuously am ignored. I filed a complaint with the District Attorneys office which lead only to a single letter from BofA indicating more time was needed and have never heard from BofA again. They think this is a joke. They lined the pockets of their XXXX 's and whomever else is in the upper positions whilst those of us, including myself continue to suffer with underwater properties if we have n't had to walk away already. I ca n't count how many times I asked for help whether it be principal reduction of forgiveness or asked to simply refi and was denied indicating the property value is upside down and this is denied - hello .... what the XXXX do you think the bail out money was meant to be used for?!!!! I was not able for a period of time to pay my second mortgage and instead of helping me they started the foreclosure process. I had to borrow money yet from someone else to become current on an upside down property - I have to ask myself why I continue to keep paying and not just walk away - this property cost XXXX and has had since 2008 a value between XXXX-XXXX. Oh by the way BofA never included the appraisal with the loan docs - how convenient. How do I know this loan was n't unfairly processed, that some form of unethical practice was used to have the appraisal match the loan amount to justify the approval? I have read public information available online which clearly indicates BofA is in hot water and I am not alone in my situation. What I want to know is why are these large companies bailed out when its us middle class folks who pay for this country and why are n't these CEO 's etc ... rotting in prison where they belong?

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 2017-03-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Charged overdraft fees due to BOA processing charges in largest to smallest order. Their own rules state drafts will come out first, then checks written. They took out the check then the draft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
www.consumerfinance.gov referrral XXXX dcase no XXXX XXXX XXXX, XXXX XXXX IA XXXX The terms of the RESPA are for an automatic termination of PMI once the loan amount owing the Mortgagor ( bank of America, has reached 78 % in XXXX dollars of the orginial purchase price of the home. I dispute BA determiniation to continue PMI payments ( billing of mortgagee ) .The basis for my diispute against BA terms is they are not folloiing good banking standards and procedures by violating RESPA terms that enact atutomatic PMI discontinutioaon with no appraisal needed when my loan reached 78 % remaining to be paid from the original purchase price. I request Consumer protection agency to review the necessity for BA to adhere to RESPA terms and issue me a refumd of overpaid PMI since loan reached 78 % loan to value of orignal pruchase price, no survey required. I further request that BA cease and deisist in its insistence on billing {$15.00} a month or any amount for PMI. I request assistance and i give authorithy to Consurmer financial proctection bureua ( CFPB ) tor recover overpaid PMI and refund to me. I look forward to the final determination from CFPB in this matter.

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 2017-01-18 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:
CFPB sues nation 's largest student loan company Navient for failing borrowers at every stage of repayment. 

I am one of the student loan that was affected by this Navient company. is there any forms that I have to fill out?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
Almost 5 months ago I applied for a mortgage refinance with Amerisave. Despite the fact that my wife and I have excellent credit and income well above average, and also despite the fact that our house is in a very desirable area of XXXX NJ, the loan still has not been closed. I have been told verbally over the phone that I have been approved and that the closing will be scheduled soon but I am repeatedly asked to supply " just one more thing before we can close ''. I have asked to speak to a manager several times and the people I am dealing with have refused to give me the contact information for a manager. What has been happening over the past few months is that I have had to send and resend documents. They asked for a bunch of documents ( which is expected ) but then would later request them again, saying they lost the fax or in one case " my signature was n't dark enough ''. The document with the supposed signature problem was to request my tax returns from the IRS and that happened months ago. There were also some repairs ( adding a missing handrail and such ) that I needed to address and have done so. Now that the repairs are complete I am being told they found something on my tax returns ( this is months later ) and they need me to fax my original tax returns or they ca n't close the loan. I did a little checking and what I realized is that the interest rates have gone up and what I believe is that they keep stalling hoping that my rate lock will expire or that I will get so frustrated that I just go somewhere else. A friend recommended the CFPB. All I am hoping for is that someone contact Amerisave and verify that I am not being scammed and maybe motivate them to close the loan and honor the rate I have locked. Please note that ( after the fact ) I read some reviews on websites and have found that I am not the only person to have this problem with Amerisave.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
My identity and a mortgage scam have caused my house to be to foreclosed and possible eviction looms over me. From XXXX till XXXX XXXX I have been a victim of a predatory loan and {$52000.00} dollars to be paid to my bank HSBC and XXXX was stolen in a mortgage scam by people who said they were attorneys for the XXXX program. My original loan in XXXX I put {$6000.00} in escrow for my septic title XXXX is gone the bank, the attorney for bank do not know where it is ... ..its just disappeared but no work ever done! At closing no inspection was done and house has serious issues. XXXX informed me my personal information has been compromised I am a XXXX year employee of XXXX. I have filed paperwork with the XXXX of both XXXX XXXX and XXXX, the XXXX police and federal trade commission and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have receipts from all XXXX deposits I made to XXXX Mergers for payments for my mortgage to XXXX. Also wire trannsfers to XXXX bank XXXX .my wife is also XXXX retired postal worker. If there is anything you need. Please feel free to contact me at XXXX name is XXXX XXXX XXXX Also they hacked into my email and I was forced to change my email but it is XXXXXXXXXXXX thank you sincerely for any help you can provide and from XXXX XXXX till XXXX XXXX I did try to get a loan modification and assistance from HSBC and XXXX to right the ship but my house was upside down ... ... I tried everything to keep my house but due to the the identity theft my life has been turned upside down ... .i need your help, guidance and assistance thank you

Company response to consumer: Closed
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Credit Management Representatiive, XXXX XXXX at XXXX x XXXX called my home residence phone number and disclosed third party information about my debt ( credit card ) owed. Disclosed total balance due ( XXXX ) amount of the charges. The third party advised her that it was not his bill never heard of the company she represented and she informed him he was responsible for the debt. He advised her he never used any credit card. He asked her for her name and number and she advised she could talk to him and would take legal action if bill wasnt paid. He offered to take a number and and will give the message. He did try to tell the representative that she should not be calling. On XXXX XXXX, 2016 I called the company and spoke to XXXX, XXXX XXXX XXXX XXXX XXXX xand advised of disclosure and put a cease and desist .Got her superior name of XXXX XXXX XXXX She then stated they did not break any laws. I disagreed and advise I will check into my options.

Company response to consumer: Closed with explanation