vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I have been trying to get a modification for my home " primary residence '' for over a year now. I send the documents that the servicer " SELENE FINANCE '' requests, but they continue to ask for the same documents on a repeated bases, nothing seams to move in the direction of a modification. I was told that the file would go to underwriting, but then they say that more documents are needed, and then they ask for the same documents. I have a foreclosure sale date scheduled for XXXX XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Please help us : We have a Home Mortgage with Selene Finance LP, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Texas XXXX. XXXX # XXXX. Since XXXX XXXX XXXX sold our loan to this company, we have never received the regular coupon for payment and every single month I have to go to our bank and make the payment On Time via a Wire Transfer ( {$35.00} ). I have spoken with a representative that told me that the issue was going to be resolved but now is already 4 months having to submit the monthly pay using a wire transfer. Plus, they keep sending us threatening letters saying that the account was not paid. Please, let them know to send the communication of Payment Received every month and to send the current payment coupon for normal payment. Trying to make payment online within their website is impossible because there is no option to do so. 
We thank you very much, XXXX XXXX and wife XXXX XXXX. Property address is XXXX XXXX XXXX, XXXX - MA XXXX and our correspondence address is XXXX XXXX XXXX, XXXX XXXX - Florida XXXX. Appreciate your effort into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 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: MI

Complaint narrative:
1 ) NAVIENT failed to apply a payment to my account. I always pay two weeks in advance and all of a sudden, I 'm delinquent. I called and they immediately said I made the error. Once they looked into my account, they realized I was correct and revised my account. 

2 ) In addition, when I asked for forbearance, they set my payment at {$670.00}. I started paying that in XX/XX/XXXX. NAVIENT adjusted my bill to {$820.00} two months later! They said it was interest accrued during forbearance, WHICH I WAS NOT INFORMED ABOUT! 

3 ) While in forbearance, at one point my loan balance double! When I tried to call, the phone lines were jammed. Apparently everyone else 's balance double, too. Makes me concerned about the software they use and how well it is monitored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CL Holdings LLC
State: CA

Complaint narrative:
This company calls about XXXX to three times per day and refuses to say anything ; it appears that someone is listening on the phone but I would hang up. Today on this day of XXXX XXXX, 2016 at about XXXX, they called and refused to say anything and after a few seconds they hung up. However, this time I called the number XXXX and they identified themselves as being Jefferson Capital Systems , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.

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 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have n't tried paying my loan back due to financial hard ship. Also the school i attended in XXXX fl. XXXX for XXXX was closed.due to false practices which i was told. I feel i should not have to pay back my student loan because after graduating in 2009 i was never ever abale to receive my Diploma. Then i was told my Diploma is not longer valid because the school has been sued. I need to go back to school and start the process from scratch. I feel if thats the case i shouldnt have to REPAY NAVENT any help would be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Bank of America. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atBank of AmericaXXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I went to XXXX XXXX in XXXX New Mexico from XX/XX/XXXX - XX/XX/XXXX. While I was there I earned degrees in XXXX, and my XXXX. XXXX a year I would go in and sign paperwork for my upcoming loans. Never was I given information regarding the interest on the loans, or how much my monthly payments would be. By the time I finished school I had over {$100000.00} in student loan debt principal and another ~ {$50000.00} in interest. Now I pay so much money I ca n't buy a car or a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 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: FL

Complaint narrative:
Left school in 1998, owing approx {$42000.00}, was injured and un-employed for over 8 yrs, contacted XXXX XXXX, asking about insurance on the loan. I was told that I would have to exhaust all other postponements and extensions before filing on XXXX insurance on the loans, consolidated my loans and use all of the deferments and exhaust all other programs to postpone payment before they would file on XXXX, did as they asked. XXXX XXXX never filed on any insurance and I now owe over {$100000.00} in student loans, due to fees and interest applied. If XXXX XXXX would have done as they said, I would be student loan debt free, but I am not and under constant threat of legal action. They have been exempt from federal lending and collection laws, so finding an attorney to help has been impossible!! I am now trying to work and re-build my life and credit. I am not able to purchase a home, due to debt to income ratio and credit scoore with an {$100000.00} student loan debt looming. I just want to pay what I should actually owe, approx {$25000.00} and move on with my life. No one will help me stand up to XXXX XXXX Navient now. I would n't have to have paid this kind of fees and interest on a 30-year mortgage, heck, the XXXX does n't even charge these kinds of rates. Please help or advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Our California Home was Foreclosed on in 2008 after trying to get Mortgage reduction. There was a XXXX and XXXX, purchase money Loan originated by XXXX, subsequently taken over by Bank of America. 
Approximately two-years after the foreclosure, we began getting " Past Due '' statements from B of A, each month adding service charges. this has continued for every month, each time increasing the " Balance Due '' amount. 
Also during this time, we have recieved Warnings that they ( B of A ) are going to " Foreclose '' which already took place in 2008. 
California is a " No Recourse state '' and we received aknowledgement from the state. 
However, we have made numerous calls and spoken to numerous individuals at B of A who have apologized and said the matteer would be resolved, but it has n't been. 
B of A stopped reporting the deliquency to the credit bureaus a couple of years ago, and we have been told that the loand was " Charged Off '' but we continue to receiver the " past Due '' notices, each time with an increasing balance amount. 
Please helpT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX 2016 my ATM/Debit card was Lost or Stolen. I called Bank of America to report the card missing. The agent said the card would be blocked and a new card sent 7-10 days. I asked if I could obtain a temporary card to use from the local branch on XXXX, AZ XXXX. She said that temp cards were available. The next day on XXXX XXXX I visited the local branch to take out some cash and get a temp card. The agent that was assisting me said my missing card was not previously blocked. We blocked the card and I obtained a temp card. The next day my bank statement showed a {$5.00} fee billed to my account. It 's listed as " Replacement ATM or Debit Card Fee {$5.00} ''. I was never told during the times I spoke to Bank of America agents that I would have a fee. Charging a fee discourages me in the future from blocking a stolen card to try an avoid this fee. This is not fair and I believe violates my rights as a consumer to protect my funds, which I had just gotten paid. So the potential loss to me was great. For Bank of America it was an opportunity to make a profit. I did locate on their website this statement : Replacement ATM or Debit Card Fee {$5.00} per card Fee for each requested replacement of an ATM or debit card, including the replacement of debit sticker ( tag ) or other debit access device. The replacement fee does not apply when we replace a card upon its expiration. Bank of America Advantage ( R ) with Tiered Interest Checking Accounts, Bank of America Interest Checking ( R ) Accounts, Platinum Privileges ( R ) and Preferred Rewards customers qualify for a waiver of this fee. 
This nuisance fee takes advantage of people, like myself to protect my money from fraudsters and thieves. Please investigate this issue. Just because they have it listed in the fine print does n't mean it 's valid. Thank you.

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 2017-01-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was baited & switched by Bank of America because of that I 've been asking them to refund my credit report & appraisal money. The issue still has n't been resolved. 
I applied for a conventional cash out refinance XXXX XXXX, 2016. I explained to the loan officer how much cash out I needed. He gave me a worksheet with estimated cost & 80 % LTV of course the final is when the appraisal comes back. He sent me an email XXXX XXXX telling me the appraisal came in lower, he informed me of the new loan amount which was fine, it only decreased by {$1100.00}. Two and a half to three weeks after he sent that email, I tried calling him multiple times to find out the status of the loan & when we were closing. Title company contacted me & said they were ready to close as soon as BOA was ready. I finally reached the loan officer, he told me they would n't approve 80 % LTV that they would only do 70 % LTV. I asked him why did that change, he said because of my credit score. I was livid ... they knew my credit score from day XXXX not to mention why did it take 30 days to come to that conclusion. That 's where I was baited & switched. Even after that I tried to contact the loan officer about changing to an FHA loan, I did n't want an FHA which he knew up front, but I already spent money on an appraisal & I needed to get this done. After multiple attempts he never responded, I was frustrated & had to contact another financial institution to refinance my cash out mortgage. That cost me another appraisal fee, I do n't have money to give away. After calling several branches for a couple of weeks I was finally able to reach someone who could give me the loan officer 's manager 's contact information. I spoke to his manager about refunding my appraisal fee & credit report. They still have n't resolved my issue.

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 2016-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX, We refinanced our mortgage through XXXX XXXX which sold it to Countrywide which was absorbed by Bank of America. After having our second child we tried to sell our home to find something larger to no avail as the market came crumbling down. Bank of America ignored our calls and requests for over 12 months regarding loss mitigation options. Finally they told us they could n't discuss any options with us because we were current. In XX/XX/XXXX we stopped paying the Mortgage. We were told by Bank of America that we needed to find buyers if we wanted a Short Sale and we did on multiple occasions only to have BOA back out or not respond. We were forced to repeat this process numerous times to no avail. After we found a larger property to rent, Bank of America changed the locks barring us from entering the property XX/XX/XXXX / XX/XX/XXXX. We still tried to work with them but every 2 months they would say they were missing paperwork and the process needed to start over from scratch. In XX/XX/XXXX we filed Bankruptcy hoping that would give us a reprieve from BOA and the largely upside down property. We were discharged from bankruptcy XX/XX/XXXX. Unbeknownst to us, We now do not qualify for a new mortgage because A. we have a recent bankruptcy B. the property is still in my wife 's name ( even though the locks have been changed ) C. We get demand letters from the Condo Association regarding unpaid fees ( as BOA still has yet to foreclose the property ). 
We want to move on with our lives but there does not seem to be a way to do so ... Furthermore we will not qualify as 1st time home buyers when our Bankruptcy discharge hits 3 years, because BOA has refused to finalize the process they started 6 years ago.

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 2015-08-01 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
hello i graduated in XX/XX/XXXX 2010 when at the top of the great recession was happing i went to XXXX and i still can not find a job in my field witch is visual-communacation i.e ( advertsing ) i have told, fromer XXXX, now navient that i am working part time at XXXX and my mom, lost her income and now i pay all the bills and they dont care .i am the working poor they kept threathing me with wage garish, and if they do i am finacly runined..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 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: DE

Complaint narrative:
I attended XXXX XXXX XXXX this college cost me several thousands of dollars. I did not receive the help or internships as promised. I would contact the college on several occasions and each time I had a new student advisor. I was always told the previous person had found another job. I was unable to find any jobs in my area for the degree I obtained. At this point the degree has become useless. I 'm stuck with a hefty bill I will never be after to repay and I think the Loans should be discharged. The college lost there accredation and has since then been reported as closed and was under investigation for several things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I AM WRITING TO COMPLAIN ABOUT A BANK OF AMERICA MORTGAGE POLICY THAT APPEARS TO BE DESIGNED INTENTIONALLY TO DRIVE UP FEES AND COSTS. 

Summary of the facts : My mortgage ( which is about $ XXXX ) was set up for automatic withdrawal/payment from a Bank of America checking account to my Bank of America mortgage. This arrangement had been working fine for years. In early XXXX 2016 I forgot to fund the account from which the automatic withdrawals were being made. Consequently, on XXXX XXXX, the date scheduled for automatic payment, there were insufficient funds in my checking account. I did not immediately notice my oversight, so the next day there were also insufficient funds. This generated a second overdraft. A few days later I funded my accounts, but Bank of America terminated my ability to make electronic payments to my mortgage. I have been fighting with Bank of America ever since to get my mortgage back on track and electronically accessible for payment. Bank of America refuses. They insist that I may payments with a certified check or a money order and they have informed me that I will have to make payments via one of these XXXX mechanisms for one year before my electronic payment privileges are restored. One of the telephone representatives I spoke with recently about this problem explained to me that I " needed to demonstrate that I was able to make my payments '' before I would be allowed pay electronically. I am able to make my payments. I currently have about {$8600.00} in my Bank of America checking accounts. But, Bank of America will not accept any method of payment other than by cashier or certified check. 

I can pay all my other bills electronically from my Bank of America account. I can transfer money to any other bank account in the world from my Bank of America account. But, I can not pay my Bank of America Mortgage from my Bank of America checking account. The only explanation for this practice is to drive up fees and costs. 

I will be glad to produce any additional documents that you might want should you agree to look into this matter. Thank you.

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 2015-08-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Addendum to Complaint sent on XXXX XXXX : On XXXX XXXX, 2015 I received a phone call from XXXX XXXX, Bank of America, ( contact # XXXX XXXX XXXX XXXX ). She asked want I wanted to resolve my Complaint. I said I wanted to have my original application reviewed fairly. XXXX said since the review was " closed '' I would have to reapply. She persisted in trying to insisting this was a fact. I referenced all the communication I have received from Bank of America, including letters from XXXX XXXX, CRM, on XXXX XXXX, XXXX, and XXXX, to prove the case was stilled opened. 
I asked that she put this in writing, she refused. I then reference letters I had received on behalf of XXXX XXXX, XXXX XXXX from XXXX XXXX and on XXXX XXXX from XXXX XXXX, both were written by XXXX Customer Care regarding the modification application. 
Today, I received a letter from XXXX XXXX, XXXX Customer Care, which is clear shows the application is still opened it states I " should work with XXXX XXXX ... XXXX XXXX will be your primary contact throughout the workout the review process. I encourage you to work closely with her ad submit any requested information right away to keep your loan 's review moving forward ''. 
Also, previous letters state that we are further behind in our mortgage payments. 
It is apparent that BofA is continuing to use unethical mortgage practices, in evaluating this modification by false statements, misrepresenting facts, deceptive and misleading statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation