vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
At around XXXX on XX/XX/XXXX, I received a call that was a recorded voice. At no time was a company named. The recorded voice offered no identity. The gist of the message was, " I received an order for you. I 'm calling from the processing division. It looks like XXXX charges pending against you. If I do n't hear from, you, I will actively pursue you at your place of employment and your residence. You have the right to contact the client directly to resolve this voluntarily. Understand that once you are located, you forfeit that right. If you have any questions call ( another recorded voice, a mechanical-sounding one, says the number : ) XXXX. '' I did n't call back. I have XXXX new entries by a company called Midwest Recovery Systems on my Transunion credit report, for $ {$980.00} each, all three of them are actually XXXX very old debt that is past the statute of limitations, with XXXX XXXX, a payday loan company from XX/XX/XXXX. I filed a dispute with Transunion. I called XXXX XXXX, they say they sold the debt in XX/XX/XXXX, and it was for {$98.00}. I am assuming that these recent messages are about the {$98.00} debt that is way past the statute of limitations. So, not only did this company ding my credit three times for XXXX debt, they dinged it about a debt that is past the statute of limitations, they jacked up the debt amount by XXXX %, they threatened to sue me about a debt that is way past the statute of limitations, they did not identify the company or the individual calling when they called my cellphone number unsolicited with an illegal collection that is on the Do Not Call Registry, and they made the message sound like I am going to be charged with a crime that I might be arrested for at my home or at my job, and they misinformed me that I have no rights once they locate me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
Ditech, LLC is the mortgage company that services my mortgage account and collects the funds for the escrow on my home. XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement indicating an increase in my mortgage starting XXXX XXXX, XXXX. My mortgage is to increase from {$600.00} to {$760.00}. I was told by a Ditech phone representative this increase was due to an escrow shortage of {$3100.00}, as she presented this amount indicated on the escrow statement sent to me. I was told by the Ditech representative, at the company 's call center, that this shortage was a result of my XXXX property taxes of {$1400.00} and XXXX home insurance payments : XXXX- {$850.00} and XXXX XXXX {$910.00}. However, when these XXXX explanations add up to {$3100.00} and I paid {$120.00} in escrow payments for twelve months in XXXX. Therefore, my escrow payments for XXXX totaled {$1500.00}. Deducting my XXXX escrow payments from {$3100.00} will leave only {$1600.00} in shortage in my escrow account. I will need an explanation on why my escrow account has a shortage of {$3100.00} instead. This is {$1400.00} over anything indicated on my XXXX XXXX, XXXX Annual Escrow Account Disclosure Statement. The Ditech representative I spoke to on the phone could not provide an answer for the unexplained expenses. Furthermore, the representative said a supervisor would call me to provide an answer. I received no further communications on the matter. I need to know where these extra expenses are coming from or they must be removed from my account immediately and my mortgage monthly payments adjusted accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
The mortgage company, Green Tree Servicing, added " Hazard '' ( insurance ) to my escrow payments. I already have homeowner 's insurance through a reputable company XXXX XXXX XXXX XXXX and was contacted by them when Green Tree decided to start " making my insurance payments ''. I DID NOT authorize any changes to my account and will continue paying my premiums directly to XXXX XXXX. I do not want Green Tree 's " insurance ''. I also told my XXXX XXXX agent that I did not authorize any changes to my insurance policy or method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
My mortgage loan originated with XXXX XXXX, but was sold to Green Tree. Green Tree since has merged with Ditech due to a class action lawsuit. On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Ditech Financial ( Previously Green Tree ). My check was cashed and cleared out of my account by XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a call from Ditech 's collection department requesting a payment for an unpaid balance. After explaining to the women on the phone for a long time that my check had cleared the account from their servicing department, she was still harassing me for a payment. I was able to provide proof and speak with a team leader named XXXX who found my payment and made the adjustment. My payment was mailed very early, and was cashed by XX/XX/XXXX. Still after finding my check and acknowledging their error, my account as of XXXX XXXX, 2016 has yet to be fixed. They have never applied my payment of {$1500.00} to my account, and removed the late fee that should be gone. All of this is an error in their system, and I was harassed by their company to make a payment that had already been cashed in their system. Nearly 1 month after my payment was debited out of my account they still have not remedied the situation. I am very concerned about the future payments. I can also say customer service when I call is very poor. I get put on hold without notice. People transfer me without notice and do not notify the person who I was transferred to why, and most importantly no one has fixed the issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-04 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: KY

Complaint narrative:
CBE Group is still reporting unverified debt that is n't mine on XXXX and XXXX. They have not only changed the spelling of my first name that was spelled, XXXX, at first and gone back, I believe had it changed too XXXX. I have never been XXXX NOR XXXX XXXX! Have ask for verification of this alleged debt belongs too me, XXXX XXXX. And if so, send the orignal documents for XXXX XXXX and has yet to seek. They 're not only reporting a debt that is n't mine but also sold this alleged debt to another company but yet still reporting on my credit profile that they own this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Pioneer Collection Recovery contacted me about a neighbor of mine, XXXX XXXX? Left a voicemail and asked me tor return a call and gave me a reference number. Clearly by the name of their business I knew they were trying to get me to somehow give contact information for XXXX or something of that nature. Called them back at XXXX with reference number XXXX. Told them to not contact me again, and shared a few choice words about what I think they 're doing. I am not sure if this meets the guidelines for unethical practices, but calling neighbors is just low.

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 2016-10-18 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.

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 2015-06-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have paid off a car loan and an employee at the loan company is attempting to prevent the car dealership from releasing the title to myself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
hi, my mortgage was with countrywide until XXXX than bank of america claim they have the mortgage at the same time my husband and i helping my father with medical and haspital bills he was XXXX .we ask and wrote bank of america hard ship/forbearance loan but bank of america did not get us but modifacition loan trial XXXX modification trial application satart XXXX but delay after delay paper after paper we didint get loan trial start until XXXX we start to pay XXXX, XXXX, XXXX, XXXX, XXXX but check we pay in may they send send us back i dont know wahat happend before we do bank of america foreclosure on .after all we new aplication new paper work restarted.on XXXX XXXX we write letter to deman XXXX is our lender after we cosult a lowyer andread some information bank america mortgage froud /modification froud bank america send me a letter XXXX XXXX saying bank of america was a servicer and my lender /investor is countrywide ... my XXXX years home for my still on foreclosure, i cant affort to pay XXXX {$20.00} for a lowyer.we bought XXXX years ago for {$82.00}. we cant get credit to fix ac/bathrooms/kitchen/roof/floor need list XXXX {$75.00} now bank of america get me to sign loan modification for over {$120.00} we are suffer, XXXX and frustrated XXXX years, my husband had a XXXX XXXX XXXX from stres we need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 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: KS

Complaint narrative:
My interest rate on one of my loans is 10.75 %, I pay {$160.00} a month on this loan alone and not a dime of it goes toward my principle amount! I 've been paying over {$600.00} a month for years just on my private loans, and at one point I was paying {$970.00} a month. I did not get help from any adult family members to go to college. I had to pay for it myself, I knew nothing about loans and interest rates. My student financial adviser filled most forms out for me. I trusted my college which was a huge mistake, they were private and for profit only. I am now an adult an feel completely taken advantage of. I am almost XXXX and ca n't even start a savings account. A full paycheck is taken monthly by Navient, which was XXXX XXXX and changed without my knowledge until I was some how delinquent and owed a company I had never heard of money. I can not create a life worth living with this unreasonable debt. I make under XXXX a year, I have bills. I ca n't even afford a car because of my student loan debt. Please someone help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 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: OR

Complaint narrative:
I have spoken to Navient in the past, they made it difficult to impossible to consolidate, create an income based payment system, and other challenges, these issues caused my loans to go into default. I have XXXX in loans and they were into default. I called navient a bunch and never got service, i was so dismayed i stopped following up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 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.
State: KY

Complaint narrative:
We made an agreement for a new more affordable repayment in the amount of {$360.00} to which I have been paying, actually overpaying by sending them an even {$360.00}. Navient has thrown me in deliquent status claiming payment is $ XXXX and continues to tell me that our agreement was a 15 month program even though i have paperwork stating that i need to make 321 payments at this rate ... 321 monthly payments that somehow expire in 15 months. They have not been very cooperative and it is the definition of crony capitalism, they have all the protections of the government but none of the regulations that federal loans have. I just want to pay the amount of {$360.00} that we agreed on and for them to quit calling me and fix my credit they demolished by going back on our agreement but they dont see it that way. I simply can not afford the $ XXXX a month that they raised my monthly payment to and i shouldnt have to since im holding up my end of the deal. I have continued to pay them the {$360.00} amount we agreed on, plus an extra {$4.00} on top of that and im in or close to delinquency status because I refuse to give in and let them go back on our contract and bully me into paying more than I can afford when I have made every payment on time for the previously the agreed {$360.00} amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is the 4th time this year Bank of America has returned payments to bank. I have now been banned by XXXX different Banks from using my Bank of America account for them constantly returning payments. Bank of America has signal handed destroyed my credit with their actions. The other day they returned a deposit to XXXX Bank. Earlier this year they returned a deposit to XXXX. They submitted the return on the wrong account and cause my credit account to be closed. Today Bank of America refunded a {$70.00} payment to XXXX XXXX Bank. When I checked my account on XXXX/XXXX/16 I noticed it was at - {$11.00} with the XXXX XXXX XXXX Bank payments pending. Bank of America purposely sent up their withdraws and deposit purposely to benefit them. XXXX XXXX is set up for automatic withdraw. XXXX of their payments came through on XXXX and post on XXXX XXXX side on XXXX. Bank of America did not even begin to process theses till XXXX although they claimed to me today to do no work on the weekend. When I called Bank of America early XXXX they informed me my transfer from XXXX bank should post today the transfer amount was for {$13.00} this more than covered the difference. This morning I checked my account to see that Bank of America returned my {$70.00} payment to XXXX XXXX. They charged me a {$35.00} NSF fee for the returned payment and then posted my deposit on XXXX. Bank of America refused to return the fee even though their staff were the ones to inform me that the {$13.00} transfer would go through on Monday. If I had known then I could have easily made a deposit in the ATM if the transfer was not going to process. I am located in XXXX were Bank of America is headquartered I could have easily made a deposit at the XXXX of Bank of America locations in the city. Bank of America Deposit and charge policy is so selective their is absolutely no way to be prepared as a Bank member what they may or may not do. XXXX day something is posting and then the next its not.

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 2017-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
I received student loans for the purposes of attending college between approximately XX/XX/XXXX and XX/XX/XXXX intermittently. During this time, and the time since, the option of an income based repayment plan was never made apparent to me : my options were high monthly payments, forbearance, or deferment. As a result, I put my loans on financial hardship forbearances until they were exhausted. Now I can go through the cumbersome income bases plan, but the system seems designed to confuse the borrower. I 'm dealing with multiple loans and different call centers and collection agencies. Navient should be labeled as a criminal organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a secure account with Bank America XX/XX/XXXXpartial account from my credit report # XXXXaddress id XXXXthe amount was XXXX the account was last use in XX/XX/XXXXI was XXXX the security was deducted however theysent this account to collection which as been terminated becauseI did owe on this account they have been reporting this as a charge off!!! 
it has been removed from my XXXX report but its still onmy XXXX and XXXX ACCOUNT! 
Bank America did agree to remove these accounts from the trade linebut it has yet to do so with these XXXX credit reporting agencies!! 
Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of " past due '' or " charged off. " Bank of America promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XXXX, court records show, the bank will remove any marks on consumers ' credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a letter documenting that my mortgage with Bank of America was being sold to XXXX, XXXX. The change was to be effective on XXXX/XXXX/15. The letter from BOA was received on XXXX. I have still not received anything from XXXX, XXXX claiming that they are the new loan holder. According to research they must notify me in writing no later than 15 days before the sale occurs. This time has passed. I want to contest the sale of my mortgage based on what I have learned about XXXX. I ca n't find anything good about them anywhere.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 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: CA

Complaint narrative:
Navient directly benefited and encouraged XXXX XXXX XXXX to defraud its students using various schemes including pulling students out of class, withholding books and materials in order for students to be forced into higher cost private student loans, this includes the methods detailed in the lawsuit filed by the Consumer Financial Protection Bureau ( attached to complaint ). XXXX XXXX XXXX is now closed and Navient is refusing to discharge the debt under fraud simply because they are a private lender. I believe that Navient is a conspirator in the fraud and should be subject to sanctions and forced to abide by the same laws that protect students who borrowed with federal loans and allow a defense from payment claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: MI

Complaint narrative:
My loan servicer is Navient, after spending XXXX hours in their phone queue, I was able to talk to someone about my private student loans and getting them into forbearance. Navient was unable to find the forbearance letter, and suggested that I did not actually get the private loans approved by them. After asking to talk to someone about getting them into forbearance, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION
State: CA

Complaint narrative:
In XXXX of 2014 I went to emergency room XXXX, they gave me an antibiotic and said that if I became XXXX I should go back immediately. 
2 days later I became XXXX in the middle of the night and went back, after several tests and XXXX, the doctor said that their previous prescribed antibiotic was wrong and had caused the XXXX. 
All of the charges they are trying to collect comes from their wrong medication that they gave me and nothing else. 
I 've told this to the emergency room accounting staff as well as the collection agency.

Company response to consumer: Closed with explanation