vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: DE

Complaint narrative:
I have been trying to apply for a modification for the last three years. The required documents that the lender needs was requested by the lender every month for 12 months and then in the 13th month I would be denied for incomplete documents. The lender stated that in several of the 12 months that the documents were complete. I and my Hud counselor are having this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ARC Management Group, LLC
State: TX

Complaint narrative:
I am receiving continuous calls from XXXX. I do not answer because I do n't recognize the number. It is a Georgia phone number. I only know what it is from researching it on the Internet. I want this number to STOP calling me.

Company response to consumer: Closed
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: CO

Complaint narrative:
Selene Financial has submitted a false credit report regarding my account, and still refuses to send me any statement of my account. 
On XXXX XXXX, XXXX, XXXX sold my mortgage to Selene Finance. In the subsequent XXXX months, I have paid the mortgage by phone on the XXXX of each month. On XXXX XXXX, XXXX, Selene refused to take my payment until I signed their mortgage agreement. When the sale of my house became delayed for 60 days, I signed the loan papers and immediately paid the new mortgage amount. 
Each time I have called in my payment, I have asked for a statement of my account. I still have not received any statement of any type. Fortunately, I have been sent receipts for my payments. 
Last month, Selene submitted an entry to my credit report that I have made XXXX late payments on the account. This report is not only false, but the number of XXXX late payments seems somewhat arbitrary. This will be my second complaint with Selene since they took over my loan XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Making/receiving payments, sending money — 
Company: POPULAR BANK
State: OK

Complaint narrative:
We bought a certificate of deposit in the amount of {$250000.00} from www.eloan.com and instructed them to send the interest each month to our local bank. The first payment for the period ending XXXX/XXXX/2015 was added to our account with them.They now say that they can not send that interest payment to our local bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: CA

Complaint narrative:
. I am a single mother of XXXX including my XXXX daughter ( XXXX. ) I have a XXXX and XXXX year old daughter, and my mother who XXXX also live with me. I have a loan with XXXX. I had some financial trouble, and the loan was modified in 2015. At the time of the modification we ( XXXX and myself ) were attempting to have the loan balance that was in default helped by Keep Your Home California. It was going well, XXXX agreed to be a part of the program. In XXXX of 2015 I was informed that the new service provider Amerinational was not interested in the program. That meant that although XXXX had already modified my loan with thought that the overdue part would be assisted by keep your home California, that delinquent portion was carried with me to the new servicer. I have since that time always been 90 days behind because I cant make up the money. I am now facing foreclosure for a total of {$3600.00} although I fully qualify for Keep Your Home California, I am going to lose my home because a servicer that I have no control of wont participate. How is this fair?? 
I can afford my mortgage, I just cant afford the extra overdue amount. How do I get around this? I 'm being disqualified from a program that I qualify for because, a company that has no interest in my well being does n't want to participate. I understand that they cant be forced, but why not have another option? How do I take a XXXX person to a homeless shelter? How do I protect her, my teen daughters, my mom, and myself in a homeless shelter? How do I leave my XXXX daughter to look for a job during the day at a homeless shelter ... that if they have room for a family of XXXX. What if they do n't? Who sleeps on the street? How do I make my kids know that this is there new reality? Why is this okay? I have lived in my home for 10 years. My XXXX does n't remember any other place ... How is this okay?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
I was wrongly being foreclosed on. I payed for and was given a loan modification olny to have my last payment returned to me and when I called to question why they said the would not except my checks and sent be foreclosure papers and demanded {$19000.00} of which I did n't have! They sold my loan several times and now the new company had me on the sheriff sale list for XX/XX/2017. I requested a loan modification the told me there was no time that they needed 37 days and it was n't even more then 20 days that they had my loan so I sent some beginning forms of a change in my finances.They in return sent me a letter on XX/XX/2017 agreeing that they would give me additional time to resume my application ... I received this letter on XX/XX/2017 the date of the sale ..The property when back to the bank.I then began to gather my paper work to send in an on XX/XX/2017 I received a letter from them telling me I was denied for failure to complete paper work and bad credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: The Law Offices of Daniel C. Consuegra
State: FL

Complaint narrative:
The Law Office of Daniel Consuegra XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX XXXX XXXX XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the XXXX have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is XXXX XXXX. Please investigate XXXX of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Bank of America ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Bank of America said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX, XXXX Navient XXXX, PA XXXX Re. Account # XXXX Dear Sir/Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
In XXXX XXXX, I contacted XXXX XXXX and requested an In School Deferment. XXXX XXXX granted the Deferment commencing in XXXX XXXX and concluding in XXXX XXXX. 

In XXXX XXXX, Navient took over my private loan account from XXXX XXXX. No information was ever relayed to me regarding this split by XXXX XXXX. As a result of this split, my information concerning my In School Deferment was never relayed to Navient. My account was not updated and Navient was not able to process the In School Deferment. 

Sometime in XXXX XXXX, upon learning of this split, I contacted a representative from Navient, requesting information about my personal loan. The representative stated that she had no information regarding my loan and my name was not in their system. 

In XXXX XXXX, my co-borrower, contacted and alerted me that he was being harassed by Navient collection agency through telephone calls and threatening letters. On XXXX XXXX, XXXX, I contacted Navient who informed me that they did not send out any threatening letters. The representative explained that they had taken over the account from XXXX XXXX and 120 days had elapsed since any payments were made to the account. 

It should be noted that at no time was I ever alerted by Navient or XXXX XXXX that my account was 120 days delinquent. Moreover, my In School Deferment ended in XXXX XXXX, yet Navient continued to provide inaccurate information to the XXXX credit bureaus. 

Upon learning of this alleged delinquency, I set up a monthly payment plan in order to bring my account current. As of today, I have made the required monthly payments and my account is in good standing. 

I am very distressed that you have included the attached information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes, my co-borrower and I have been wrongfully denied credit which was highly embarrassing and has negatively impacted our lifestyles. Please reinvestigate this matter and delete this information from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA had inaccurately mis-posted payments on my loan that caused my mortgage loan to fall deliquent and inaccurate reporting to the credit bureaus. Now I am getting garnishment notices from the US Department of HUD for a partial claim that BOA failed to payoff when the home was sold. I 'm at a dead end and do not know where to go from here. Any intervention on your offices behalf would greatly be appreciated. The whole experience with BOA has been a nightmare up to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
The Company XXXX emailed me a paycheck and it was printed and sent to Bank of America. They deposited the check and then sent it XXXX XXXX who was the bank for the check. XXXX XXXX determined the check to be FRAUD. Bank of America then returned the the check and mad me a negative balance. This FRAUD Check has caused a huge proble, for me being able to open up a checking account. This needs to be removed from my Bank of America Account so I can get my life better. This has caused many issues for my banking ability. Please have it removed.

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 2017-03-19 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: PA

Complaint narrative:
Every single year Navient kicks me out of my income based loan repayment plan and sends me a bill for a normal plan after I have uploaded all of the forms, and CALLED TO CONFIRM they have received them and all is in order. The site is awful to deal with and you have to transfer to their older site and upload files in an obscure location. The due date for your federal tax information is IMPOSSIBLE to meet by XX/XX/XXXX since XXXX 's rarely come on time and taxes would have to be complete within two weeks of receiving them. Everything is complicated. They send bills on weekends so you ca n't call and fix things. It 's the same exact problem ... every year. Long hold times. Everyone tries to put you on forbearance while they fix their problem. It 's awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
harrasing letters and calls from this debt collect to collect a debt I dont owe

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 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:
I am still in school and currently taking classes at the University XXXX for my XXXX. Apparently this past XXXX student loan payments were posted for me to start paying. However, they sent them to an old email that I do not have the password to anymore. I never received any phone calls or letters. NAVIENT posted my loans as delinquent in XX/XX/XXXX ( while I was an active student at XXXX College ). The only reason I found out about my loan payments was because XXXX XXXX emailed me that my credit had dropped dramatically from a XXXX to a XXXX. I am an XXXX student working full time up to XXXX hours a week at a XXXX. I am hoping this issue can be resolved because NAVIENT claims that they can not reverse the credit damage even after putting them into deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 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:
On XX/XX/2016 I paid off a Heloc " Home Equity Line Of Credit '' to Bank of America for {$240000.00}. I was never late during the seven years it was open. Within sixty days after the payoff I received a credit update that I was late on this account. I immediately disputed the item with proof to all XXXX bureaus and XXXX and XXXX Removed it immediately. XXXX is asking for something from Bank of America stating that I was never late. After hours of asking for that document with Bank of America letterhead, and multible transfers to different departments I contacted a loan officer at Bank of America who has been trying to help me, but getting absolutely nowhere. Please help me in this matter as Im trying to refi and my score is down due to their mistake.

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 non-monetary relief
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX. Bank of America is closing my both business and personal accounts, when I should have direct deposit coming to my account this week, next week and in whole XXXX and XXXX. My Bank of America accounts are indicated for all ACH transfers. I cant change anything. 
Moreover, I am having XXXX wired to business account soon from my partner, another XXXX later in XXXX. Everything is set up, account, routing numbers and XXXX codes are sent. I cant change anything, besides I will look unprofessional. It is not a correct business ethic when business sends funds to its partner and money comes back, since partner 's account is closed. This is very bad for my business, I will probably loose my partners, loose my business, business gets damaged, loose XXXX USD that I could earn, then pay taxes to government which then will be used for social-related purposes, curing sicked people, financially supporting people in need etc. All these are for good intentions. And all these are connected which each other. 

Please and please dont close my account, which will obviously lead to the fact that business gets damaged, less taxes I will pay or even will not be able to pay, less people in need are supported by government and there is even high possibility that people in need may increase by one - me. 
SSN : XXXX Thank You for understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I fill out an loan discharge form about not having my XXXX in 2003, they denied but it was for the wrong loan and I put the name of school and year on there. I do n't understand how they mess that up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I recently lost my job and will not be able to get back to work until XXXX. When I called Navient to try and work something out with them as far as deferment, they would n't work with me. They said there was n't anything they could do and just reminded me of the repercussions of defaulting which is what I told them I was in fear of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
My mother died in XXXX Bank of America was notified that the property was in probate and the final payment was requested by the probate lawyer. I was named as administrator of the estate and when no response was received I contacted the bank and was told I had to submit a death certificate and the coast approve document indicating was administrator and once received I 'd get access to the pay off information. The bank froze my Mother 's checking account without noticing me so that the auto payments for the mortgage and the house insurance was not being paid. After not hearing from the bank I spent days of being ran around before finally getting the pay off amount on XX/XX/XXXX. I sent a certified check the next day. XX/XX/XXXX I called to verify the check had been received and was told the check was on hold for a insurance payment. On XX/XX/XXXX the bank had issued an insurance on the property for the period time that they had froze the auto payment. They were also processing foreclosure on a probate property for non payment due to their having frozen the auto payment. They sent mere an email staying them works not process the pay off until I paid the additional amount for the insurance. This is what I consider as extortion and fraud since the insurance was issued in the name of my deceased parents for a period that proceeded the pay off date and was a result of their actions.

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 non-monetary relief
Consumer complaint received 2017-01-31 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: CA

Complaint narrative:
In the XX/XX/XXXX - XX/XX/XXXX school year, I was currently enrolled more than half-time in an educational program, during this same time frame Navient reported all of my current loans as in default despite my student status ( and having mailed documentation to the loan servicer to provide documentation ). Navient incorrectly reported more than 27 late payments demonstrating an extraordinary intent to induce harm on my consumer file. This has caused a tremendous amount of XXXX. It is my intent to file suit against Navient for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
I have contacted both Seventh Avenue and XXXX XXXX XXXX, regarding a negative report that these XXXX companies have placed on my credit report file with the XXXX credit bureaus. I have asked both agencies to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FDCRA. They also broke the federal law, by not report that I was disputing the account that they reported to all XXXX credit bureaus as required by the FDCRA. My first dispute was in XX/XX/2016, which XXXX agencies signed for a letter from me XX/XX/2016 that was sent certified/return receipt by the USPS.

Company response to consumer: Closed