vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-22 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: RI

Complaint narrative:
My loan just migrated to Navient in XXXX. I called at the end of XXXX and they could not give me payment information, they told me to call back in a couple of weeks. I forgot ( completely my fault ). On XX/XX/XXXX, I was prompted to log-in to Navient due to a concern about my loan. I logged in. My total due was {$10.00}. {$5.00} was due and {$5.00} was past due. I paid {$10.00} and received confirmation of the payment and that I was all set. A few days later, I get a text message stating that my loan needed attention. I logged in and the account status was past due in an amount over {$100.00}. I was confused and livid. I called Navient. I explained what had happened. The rep would not validate my story ( i.e. " Oh, I do see that it was {$5.00} per month '' ). He acknowledged that I paid {$10.00}. He said that I owed {$90.00} + per month. This did not make sense because I was past due for two payments totaling just over {$100.00}. When I explained that I could not afford this new amount due, he took my income and family size only, did not ask about any other expenses and offered a payment plan for a bit over {$40.00}, deferred until XXXX. When he finalized that plan, he said, as if a script " Your payment has been deferred, you owe nothing until XXXX ... at that time your payment will be {$5.00} ''. Then he said that the payment plan that I had been on with the prior servicer would drop off " at some point '' that he did not know. He said that the {$5.00} might change in XXXX. I have worked in consumer finance and I have never heard of giving a debtor a range of anywhere between {$5.00} and {$50.00} for a payment. I really feel uneasy dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: IL

Complaint narrative:
The Bank of America ( " Bank '' ) completely failed to notify me, an XXXX resident, of the overdrawing in issue in a timely manner but charged me an overdraft fees in the approximate amount of {$100.00} or more on or about XXXX/XXXX/15 notwithstanding the facts that the Bank had 3 or more ways to notify, promptly and before any overdraft fees, me of any such overdrawing by phone, email and mail because I provide the Bank with my cell. phone no. given as part of my profile info., my emails address given through my online banking and my address given as part of my account profile info. and that I protested to, and asked, the Bank for their waiver on or about XXXX/XXXX/15. If the Bank had given me the notifications in a timely manner, I would have corrected my overdrawing promptly enough to avoid any such overdraft fees. Therefore, I request that the Bank refund the charged overdraft fees to me and be sanctioned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient Has constantly been calling family, friends and work. even after they have been told not to contact due to the fair debt collection act. I told them I can not receive those calls at work and they got an attitude and hung up. They illegally recorded my father after he said not too and asked for his ssi and other info. They also called mother, sister, uncle and other family members that have no business being involved in this matter. They are constantly calling and harrassing. It has become unbearable father tells me they call every other hour. Parents are not cosigners on any loans. The one loan with my sister on the loan is current and they should not be calling her if it does not regard that specific loan. They have been told and to no avail they still do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX Litigation Specialist for Bank of America sent a letter stating that the letter we sent in response to the right of rescission found in TILA does not apply to purchase money transaction and reviewed to be that the proceeds of the loan enable us to acquire our subject property which was alleged to be consummated in XXXX XXXX we then are perplexed by the signing of the loan at that time since we have never refinance the home since our purchase date of XXXX XXXX who then signed the documents represented on our behalf. We understand that the mortgage instrument is a statement that real property is collateral for the faithful performance under the note. If the maker of the note fails to perform then the collateral can be sold to satisfy the balance due on the note. But without a valid note that memorializes the terms of the debt, the mortgage is collateral for an obligation that does not exist -- - unless the note is improperly sold to an innocent third party who pays value, in good faith without knowledge of the maker 's defenses. That bona fide third party is protected under the law. 
If the maker executes an instrument that is defective in some way by reference to parole evidence ( outside the assertions made on the note ) then the third party can enforce the note against the maker despite the existence of otherwise valid defenses of the maker of the note. For anyone other than an innocent holder in due course, the burden is on them to prove that the note was merged with the debt. 
So the questions that we need to be answered are these since the issues have not been addressed for those who have pursued foreclosure have used legal presumptions in a twisted way -- - arriving at the conclusion that a debtor need not know the identity of the actual creditor in order for the obligation to be enforced.Our title concerns are that according to the documents provided by Bank of America N.A, is being researched almost monthly so questiondid you hear or see any evidence that identified the party to whom the payments from the borrower were forwarded? 
If not, why did you assume that such a party existed and had authorized the parties in court to act on collateral for the benefit of the real creditor? 
did you hear or see any evidence that connects the real creditors with the parties who appeared in court? 
If not, why did you assume that such a connection existed with an unidentified entity? We continue to challenge the bank to explain to us how the chain of title is so imperfect and appears fraudulent The bank says that the modification offered would amount to XXXX to a new projection of XXXX what happen to the payments of 15 years XXXX XXXX XXXX

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 2016-07-11 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:
my student loan is now owned by naivent. The payment are automatic debits from my checking account.The company reset my payment to the minimum payment. the loan company had agreed to accept larger payments so the payments were going mainly to principal. our months ago they reset the payments to the minimum and hoped i would n't notice so the payment mostly goes to interest. They broke the agreement to get more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting XXXX open charged-off accounts on my credit report, however, there is only XXXX account. This is in direct violation of the CFP Act and should be resolved immediately. I have attempted to resolve this issue via direct communication with the bank and, also, through XXXX credit reporting agencies. The accounts in question are BofA mortgage accounts : Account # XXXX # XXXX accounts have the same open date, same high balance, and same charged off amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XXXX. I am now XXXX retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only XXXX credit reorting agency. I was also informed that the loan has since been sold to Navient ( whom this complaint is being filed against ) but is being serviced by XXXX XXXX. I contacted XXXX XXXX to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA XXXX XXXX # XXXX, even though the Account was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan XXXX # XXXX, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan XXXX qualified and was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan XXXX was also renegotiated thru a loan Modification.

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 2015-07-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-14 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I screen all my calls from unknown numbers and do a simple google search after the call has been missed. This is the second time XXXX XXXX/Navient has called before XXXX recently ( like within 3 months ) first was only XXXX minute before XXXX, but this time was about XXXX minutes before XXXX. There was no message left. This particular time caller id showed XXXX ( XXXX ) XXXX XXXX, IN.

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 — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
In XX/XX/XXXX I graduated from XXXX with a {$9000.00} loan. I was given a gift of {$2000.00} from my parents upon graduating which I put towards my loan bringing it to {$7000.00}. Myself and other colleagues where let go from our position due to downsizing and I requested an income based payment option. The person at Navient said they would lower my payments but failed to mention that {$2000.00} was going to be added to my principal. Also my payments from XX/XX/XXXX-XX/XX/XXXX was mismanaged as I was making payments on the interest alone and nothing was going towards the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05 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: GA

Complaint narrative:
The original loan was issued by XXXX and purchased by XXXX which issued false letters of default to numerous students throughout the United States in an effort to scare students into obtaining a loan at a higher rate to pay off the student loan. When I discovered this illegal practise and proved my case, my loan was somehow sold to XXXX ( a Government entity ). XXXX, to my knowledge, was never prosecuted for its ilegal actions. Numerous payments were made on this loan until I was under financial stress and asked for a deferment. At some point without my knowledge, XXXX became Navient. I had paid at least XXXX diffeent companies claiming to be an arm of XXXX including monthly withdrawals from my bank account. At some point after paying for a year the company unilaterally refused to honor the payment agreement and monthly withdrawals. Where did all of my payments go? 
XXXX refused to speak with me during the last three years. I could not get a representative to speak with me, claiming my account was in the hands of the other arms of XXXX. When unbeknownest to me, XXXX became Navient, I again received notice that I had not paid. ( remember that the arm of XXXX unilaterally stopped taking payments from my account ) Again, where di my payments go? I finally contacted XXXX, which now claims to be another arm of XXXX/Navient. They also refuse to give me a statement of my account payments, claim I owd several thousand more then I borrowed, including, but not limited to, fees added on to my account by said arms of XXXX / Navient. 

Meanwhile, the holder of my loan refuses to speak with me, refuses to give me a statment and history of my account, and refuses to make known where my payements went/ how they were applied, etc. 

This needs to be resolved to my satisfaction. It seems the Us government takes tax payer bailouts of banks which continue to abuse conumers and law abiding citizens, meanwhile, the banks getting away with ilegal activities. 

There are many more documents which are too numerous to scan. I am happy to copy and forward via regular mail upon request. These are just the most recent documents. 

The claim made by Navient is false and needs be remedied to my satisfaction. The failure of XXXX and the numerous arms of XXXX are complicit in their falsification of records, refusal to speak with former loan holders, fail to address the needs of loan holders, fail to speak with loan holders, fail to provide information and statement of account to loan holders, all of which are ilegal actions under the FTC and other organizations and laws protection consumers. 
I will pursue this to the full extent of the law if this is not resolved to my satisfaction. 
Thank you for your time and consideration of this very important and disconcerting matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I set up my on-line account with my Bank of America [ XXXX XXXX XXXX ] account to withdraw " the amount due '' from my account each month, meaning ( I thought ) the statement balance. For three months in a row Bank of America only withdrew the minimum payment of {$25.00}, and charged me interest on the unpaid balance. 
Each month I called and asked them to correct it, and they reversed the fees. This month I called to complain and a courteous employee explained that " amount due '' on their website options meant " minimum payment plus fees and interest. '' That is not the ordinary meaning of " amount due '' and no previous employee had bothered to mention that to me. I believe this is a strategy to prevent people from paying off their balances when due and incurring expenses interest charges.

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 2017-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: IL

Complaint narrative:
Hello, I am working on a short sale that has a sale date. I submitted the package to the 2nd lien on XXXX I called today and they told me they did n't receive anything. This short sale is time sensitive and we ca n't keep sending paperwork over and over that has been already submitted.

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 2015-08-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Never have been a XXXX XXXX customer. I was at ahelter during the time they provided the servive in dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NY

Complaint narrative:
Selene Finance and their foreclosing attorneys XXXX have violated the " dual tracking '' statute under XXXX XXXX regulations. I have been actively negotiating a short sale with loss mitigation at Selene Finance. We are still in the negotiation process and in active open loss mitigation file and while trying to negotiate the short sale they simultaneously are foreclosing on my property. I ask the CFPB to intervene in this matter. For Selene Finance, a debt collector and their debt collector attorneys are violating the dual tracking laws. The sale date is set for XX/XX/2017 According to XXXX XXXX, Selene 's negotiator/underwriter on my loss mitigation file stated that the short sale offer to purchase the property needs to higher. We asked for a copy of the XXXX or information regarding the XXXX and they refused to give any information. We would like to reach a fair price but they need to disclose to the consumer their justification of the higher offer. I ask the CFPB investigate Selene Finance and their attorneys for acting in bad faith. Placing a foreclosing sale date in the middle of a short sale/loss mitigation negotiation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc.
State: MD

Complaint narrative:
I recently viewed my credit and noticed an account that does not belong to me and has seriously affected my credit profile. Carter Young Inc. is handling the collection of this account which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Carter Young Inc. and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Carter Young Inc. as a business entitled to enforce a commercial claim against 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 2015-11-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Debt collection agency Told me my name and last XXXX of my social security. I did not have to verify anything I just stated yes it is my social security number. This is a blatent release of my sensitive information and I would like action taken if possible. 

AMSHARE - Manager XXXX XXXXaddress XXXX XXXX XXXX. 
XXXX, Alabama 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 2016-06-01 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: Amsher Collection Services, Inc.
State: UT

Complaint narrative:
I received a telephone call on my cell phone XX/XX/XXXX, or XX/XX/XXXX. The caller gave me my birth date and ask for the last XXXX numbers of my social security number stating she could not tell me what the call was about until I gave her my personal information. She did say it was about owing money and maybe it was owed by someone else who put my name on it. Because we have all been warned not to give a caller our personal information, I told her she would need to contact me in writing through the postal service. She stated they had already done that. I have received no mail from a collection agency or from XXXX XXXX ( the company hiring the collection agency. ) I knew nothing about the incident until I received the call on my cell phone. I had XXXX XXXX year ago, but paid my bill on time and in it 's entirety. I dismissed it as a prank call. XX/XX/XXXX I checked my credit report and the collection company had put it on my credit report as a delinquent collection. My credit score went down immediately. I am frustrated by the methods the collection company used to contact me and asked for private information without giving me a name of the company or other identifying information. My credit has decreased by so much and affects my credit. If the company would contact me with a legitimate name or give me information to call them, I 'm sure this can be worked out. The collection agency is Amsher Collection Agency. I wish to get this issue resolved.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation