vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
I receive refinance information multiple times from my mortgage processor caliber home loans. I am interested in short refinance program FHA loan and this offer ends by the end of this year. I found a lender willing to do the loan but because caliber has my information false they have me delinquent in XXXX even though I was not and they have me as having taken out a second Lian even though I have not because my home has been upsidedown since I bought it in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I applied for a loan hardship modification with Caliber Home Loans. The modification approved and I had to sign the agreement and have return to Caliber by XX/XX/XXXX. I signed the agreement and called Calibur Home Loans on XXXX XXXX, spoke with an agent name XXXX XXXX. She stated the modification was approved and is being processed. She stated to call her back by Thursday and once processed I would received a copy of the agreement in the mail once processed. I called back to check on the status of my agreement and spoke with a XXXX agent number XXXX and she stated the modification could not be processed and due to some probate paperwork needed for my deceased mother XXXX XXXX XXXX. She also stated she do not know why the last time I called I was not told this. XXXX days has passed and I received no phone call, no letter from Caliber indicating what was needed. I am the cborr on the loan, and have the only interest in this mortgage. I advised XXXX, why was n't this communicated to me in a timely manner as I am waiting on a decision and would have to take time off work to go to my county office for this information. I am filing a complaint as they failed to communicate the proper info needed in a timely matter. My mod should take effect XXXX XXXX. When I called on XXXX XXXX, I was calling to set up an autopay to make sure the payments are on time each month, but instead I received this communication. furthermore, the interest on this loan is on a simple fee and continued to accumulate dailty. I feel Caliber need to offer some other assistance until I am able to get the documents they are requesting. When I completed my hardship, I received a letter from Caliber indicating they need a death certificate for XXXX XXXX XXXX and this was all they needed. No one mentioned anything about an EOE paper work, which I feel is not needed in this case as I am the cbrr on the loan and have been making payments to them for a while now. Plus, I would like an explanation of the additional charges that was added to my loan after Caliber took over my loan payment from XXXX in XX/XX/XXXX/XX/XX/XXXX. I requested a permanent interest rate reduction as the interest on this loan is way too high but instead they gave me a 5 year plan reduction on the modification. 

Loan name : XXXX XXXX XXXX and XXXX XXXX - XXXX. XXXX XXXX is now XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt. On XXXX/XXXX/2016 i mailed a request to Validate the Debt via Priority Mail via the USPS. 

On XXXX/XXXX/2016 I received a notice from the collection agency stating that the did indeed receive and completed a Consumer Dispute Verification. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I am writing to request the information described below in regard to the mortgage on my property at XXXX XXXX XXXX. XXXX, Al XXXX. 

Please give explanation, as to why your company failed to produce and provide, itemized mortgage statements for XXXX and XXXX of 2015. In the multiple correspondences, never has your company produced, or provided those two months, EVER. Do they exist? 

Immediately stop foreclosure proceedings, and fix all errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Prospect Mortgage, LLC
State: KS

Complaint narrative:
I 've been trying to get Mortgage company who are supposed to be FHA approve lenders to do a streamline EEM with no success one company ( XXXX told me it did n't exist ) Incidently I started process XX/XX/XXXX They also ran hard credit check, the last company I 've dealt with again this guy lied before I even started with him, I asked if they did this type of loans he said yes otherwise I would not have bothered with him I gave him info of course he ran another hard credit check then he tried to get me to sign for a different loan product and told me then that their were being updated an he could n't guarantee he could do the loan this year, I am just very upset al I need to do was make my home affordable to live in I only needed was {$2500.00} and {$400.00} to pay the Energy Auditor, I tried to do this myself I had an accident XXXX ending up with medical expenses and short pay checks otherwise I would'nt be doing this. I also wanted to make it more live able because I have my XXXX sister living with me and the XXXX are hard on her. I may as well let you know that these inspections I believe are only good for so many days and I do n't know if I can get him to extend it. I would 've met the criteria for this FHA program. I do n't know if can take this run around and all these hard credit searches are hurting my score,!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alorica Inc.
State: CO

Complaint narrative:
On XXXX XXXX 2014 I was in the emergency room at XXXX XXXX XXXX Co. I have double insurance coverage and both companies were billed the total amount instead of billing the secondary only what the primary did not pay. The secondary assumed there was no other insurance and issued an Explanation of Benefits stating {$370.00} was owed. The primary insurance payed all but he {$250.00} deductible and I payed that. The hospital had then been payed the total contracted amount. We contacted XXXX four times and they would not re-bill the Secondary insurance company insisting the problem was the insurance companies fault. We solved the problem by providing information to the secondary insurance company and they reissued a new XXXX stating nothing was owed because the entire contracted amount was payed by the primary insurance company and the deductible was covered by me. XXXX turned the matter over to XXXX XXXX debt collectors. When we explained to XXXX Advantage and sent them the written Explanation of benefits they dropped the matter. XXXX then turned us into another debt collector called Global Receivables. Global receivables does not want to receive any information from us concerning the matter. I told them I would send them XXXX XXXX 's from the insurance companies and they said no. We have been harassed for over a year with threatening phone calls and letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Bank of America failed to notify me in a timely manner that they sold my loan to another company. Bank of America sent me a letter dated XXXX XXXX, 2015 that the servicing of my home loan will transfer. The letter was not postmarked and did not arrive until within 10 days of the XXXX XXXX transfer date. Did Bank of America backdate the letter? Why was my notice not delivered to me with at least 15 days. Was there a delay between printing of the letter and mailing of the letter? If the letter was mailed on XXXX XXXX from XXXX XXXX, XXXX to XXXX and took three business days I would not have received the letter until the earliest date XXXX XXXX. Is n't Bank of America required to notify me at least 15 days in advance. That did not happen!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 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: CA

Complaint narrative:
I received a call from lender trying to set up a payment for me to pay my private loan that went into default. When they told me the balance i asked about the interest rate and the interest was sky high. I borrowed XXXX and at this time its currently XXXX. Its amost impossible for me to repay this loan back soley because of the interest that accumulated. I tried to get more specifics on the loan and was unable to get them to give me clear answers or any information for that matter. I asked about getting a lower interest rate and the only options they gave me where to do a payoff or settlement. I cant see this loan ever been payed off and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I just logged into my Bank of America online banking profile for the first time in a long time ( I generally do not use them as much any more ) and found that they have begun charging a monthly maintenance fee on my Money Market Savings account of {$12.00} per month if my balance is below {$2500.00}. I have not had more than a few cents in this account for years and have never been charged this amount before, so now I 'm {$35.00} in the red after 3 months of charges. I do n't seem to have anything in my email or otherwise that notified me that this change was going to happen either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-29 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: TN

Complaint narrative:
Navient is servicing my son 's student loans. He has XXXX : XXXX at 7.5 % variable, XXXX at 2.75 % variable, and a XXXX at 2.25 % variable. We have been sending payments on all XXXX, with specific loan numbers on each payment, and with larger payments on the higher rate loan to try to pay it off earlier. Navient has been posting the payments proportionately by outstanding balance on each loan, rather than the loan number stated on the payment, thereby causing higher interest to be accrued since his loan with the 7.5 % rate is receiving only a portion of total payments rather than the larger amount being sent. This is abusive and should be rectified by reducing the 7.5 % loan accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
This Medical bill was put onto my credit report. This collection company has a terrible rating with the XXXX and has fraudulently reported this on my credit report. Let 's be clear, I have no idea if this bill is mine or not because they have never sent me a bill or attempted to collect. It seems very unfair to get this reported to my credit when I have never had a chance to pay. TRUE NORTH AR is the piece of XXXX company that reported this. This bill was ( supposedly ) originally from XXXX but it 's now XXXX and still ... Nothing!. This is damaging my credit and I have all current and satisfied accounts other than this. I am very frustrated, I disputed this with the Credit Bureau and they just said it was 'mine ' and closed the dispute. 
I do not feel this is fair. I pay my bills when they are presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Real Time Resolution documents have multiple non corresponding dates to transaction history record. 
Real Time has not confirmed how lien remains on property with debt appearing to be paid based on transaction history I have requested copies of all draws on account by wire, check, cash advance or by credit card. 
Real Time documents are dated XXXX and signed by XXXX XXXX XXXX when transaction allegedly took place in XXXX or XXXX based on documents provided. By both parties Deceptive, misleading, inaccurate balance to name a few

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft through mobile app from banking with Bank of America with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Bank of America immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Bank of America handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Bank of America sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Bank of America is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help me.

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 2015-08-26 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: FL

Complaint narrative:
Years ago I attended XXXX XXXX University for XXXX XXXX for less than XXXX semesters. Since then I realized the school lied about job placement and ultimately decided to attend XXXX college instead after racking up an overwhelming amount of student loan debt. In between that time I put my loan on foreberance. I recently became unemployed and have not attended college in over a year. I 've spoken with Navient and informed them of my situation and that I can not make payments. Their continuous harrasment has become impossible to deal with ; they call my cell phone night and day ( sometimes past XXXX ), they have contacted my old place of employment, they call my mom ( the co-signer ) all through out the day including late at night ( XXXX ). Every time I try to workout a payment plan they expect me to make payments I can not afford ( over {$200.00} ). I can not afford those payments so my only option is to default and continue gaining insane interest! The school that I acquired this debt for- XXXX , in my opinion, took advantage of my situation. I was he dropout child of an XXXX, my family never attended college, and they did not have much knowledge of loans and debt tied to private student loans. We were told that " fashion merchandising '' was a great career choice in XXXX Florida, there would be job placement, and that the graduating rate was 100 %. My mother reluctantly agreed since she thought this was a real University and that I would have a chance at a career. After less than XXXX semesters I spoke with XXXX in the program who said hat graduates they knew never got job placement and were so in to debt they had to drop out. I made the decision to leave XXXX by in still paying for it. I want help on lowering my loan to something affordable and realistic and I would also like to know my options regarding the legal issues and circumstances regarding instances like mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 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: GA

Complaint narrative:
Navient holds my private loans. They have made it impossible for me to repay my loans in time and reported erroneous late payments. They cheated me out of lower repayment plans. They allocated my payments toward my interest and not my principle. When I was trying to pay the loan back, but was in economic hardship, they kept insisting that I do a forbearance, resulting in very high interest added to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Bank of America were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Bank of America XXXX I have proof that the individual that is making these disputes on the Bank of America account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Bank of America allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Bank of America account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I met with Assistant Operations Manager of Bank of America ; XXXX XXXX ; Officer, Financial Center Operations Manager, XXXX XXXX XXXX ; Bank of America XXXX The XXXX, XXXX XXXX, XXXX XXXX informed XXXX XXXX that my personal account XXXX has been levyed. I informed her that at Deposit was made directly into this account form XXXX XXXX County Workman 's Compensation Fund in the amount of XXXX on XXXX XXXX and that the monies were frozen since XXXX XXXX, 2015. I showed her a copy of the deposited amount and she verified it on the account. I also informed her I was being represented by Attorney XXXX XXXX, XXXX of XXXX XXXX XXXX at Telephone XXXX and XXXX and XXXX XXXX at XXXX as Co-Counsel. I informed XXXX that I have not received any notice from the bank that a garnishment order was received, the date the order was received, a brief explanation of the garnishment, an explanation of the bank 's responsibility to protect federal benefit payments direct deposited during the look-back period and keep them accessible to the account owner, the requirement that the bank identify any protected deposits during the review, and an explanation of how I can assert other exemptions in the garnishment action to try to protect any funds that the bank must freeze and provide the written name of the creditor who obtained the garnishment order and contact information. I also informed XXXX XXXX that XXXX State Law EIPA protects financially struggling families from losing all their money. In accordance to XXXX State Law, the Bank must allow you access to at least {$1900.00} - {$2600.00}. Assistant Operations Manager XXXX XXXX said she would forward this information to the Bank of America Legal Department.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I purchased a vehicle from XXXX, asked them and even wrote on the application that I DO NOT AUTHORIZE NO MORE THAN XXXX ( XXXX ) Hard inquiries because I am in a credit building program with my financial institute. I was reassured that It would not be a problem ; only to learn a couple days later that they did XXXX inquiries and when I contacted them I was assured that they would have them removed ; when they did not I filed a complaint with the XXXX and Consumer Protection, once they got involved they agreed to remove the hard inquiries from my report ( s ) ; to date they have not. so I am starting the process over again with the hope of finally getting this corrected. AT NO TIME DID I GIVE XXXX permission to do that many inquiries ; and what that behavior showed me is they were extremely DESPERATE to sell totally ignoring my request ; their actions were unauthorized, unethical and their refusal to correct THEIR ERROR has had a drastic impact on my credit. The financial institutes they used I WOULD NEVER, EVER CONSIDER going to for ANYTHING.

Company response to consumer: Closed with explanation