vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are applying to re-finance our home for the second time with Bank of America ( BOA ). However, we were rejected several months ago because the person assessing our property erroneously claimed that we were n't the home owners, even though we successfully re-financed the first time without difficulty using the same information. Instead of checking to make sure, BOA took the word of the property assessor and outright rejected us. After a month of complaining to BOA managers, they agreed to re-open our file and start the re-financing process over again. Then, just three weeks ago, we received another rejection letter stating that they could not verify employment, even though we had already provided them with the contact information of our company 's human resource, receptionist, and supervisor. Again, as we have stated before, we had not changed our work company since our first successful refinance. If BOA was able to verify our employment the first time, why were they not able to verify this time if none of the information has changed? We have since re-sent them the contact information of our employers about two weeks ago, but still no word. We are very frustrated over this drawn-out process and believe this is very irresponsible of BOA for doing shoddy work. We believe we are being discriminated against because we are borrowing under {$150000.00} and BOA does not want to process a loan that is so little, which is why they keep finding baseless excuses to reject us. We hope you can investigate this matter for us. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 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: IL

Complaint narrative:
ID Theft was used to open a fraudulent account with XXXX XXXX. the person paid for awhile then stopped, so XXXX XXXX turned it over to Amsher Collection Services. I provided all the required paperwork ( police report, FTC affidavit, etc ) to XXXX XXXX to verify it was not me ( especially since the TV service was in a state I have never lived in! ). XXXX XXXX provided me a letter stating their investigation confirms I am not responsible for the account. When I filed a dispute with XXXX five months later ( since Amsher STILL had not removed the item ), even supplying the credit bureau with a copy of the XXXX letter stating I was not liable for the account. Amsher Collection Services refused to remove the item from my credit report and will not change it. It makes no sense. The company that turned the debt over to Amsher Collection Services admits the account was set up fraudulently, but yet Amsher Collection Services refuses to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: LA

Complaint narrative:
Mortgage company refused to honor deed in lieu agreement although the agreement was returned by deadline and I have complied in every aspect with the agreement. They have attempted to foreclose on my property although I qualify for the HUD Home Affordable Foreclosure Alternative program so they can cashout on FHA Insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: SIMM Associates, Inc.
State: OR

Complaint narrative:
A woman who identified herself as XXXX XXXX of Simm Associatesleft a threatening toned message that I was to call her immediately about a debt that she is trying to collect on. 
she gave the number : XXXX XXXX XXXX XXXX XXXX gave me a bogus 'debt file number XXXX looked this number up in the reverse directory. It is identified as a telemarking number with multiple extension and numerous complaints attached to this specific number. 
I DO NOT HAVE ANY OUTSTANDING DEBTS. 
THIS PERSON CALLED ME AT MY WORK NUMBER!! 
This website notes this specific number has XXXX complaints!! 
http : XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Waterfall Revenue Group
State: PR

Complaint narrative:
I WAS ASKED TO PAY THIS DEBT WHEN I WAS ON UNEMPLOYMENT INSURANCE Benefits AND NOW THATI DO N'T EVEN HAVE UNEMPLOYMENT INSurance Benefits and just the SNAP BENEFI=ST.\

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
They have been calling me XXXX times a day, XXXX every hour on the hour from XXXX to XXXX. Sending mail to my house, looked up my mother, brother and father on public record and called them about my loan, call from a blocked number and have lied about it. Lied to my brother saying I listed him as a reference ( I did not ). Then when I asked how they got the information, they told me they looked it up on public record. I told them it was XXXX, they told me it was not. I have emailed them saying it 's XXXX, yet they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 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: SC

Complaint narrative:
I have more than {$110000.00} to pay in student loans to Navient, formerly XXXX XXXX. My monthly payment is more than {$900.00} per month! I was in such financial dire straits that I had to file bankruptcy ; however, during the 5 years I was in bankruptcy, my student loans were still accruing interest everyday!!! I think to the tune of {$35.00} per day!!! The amount I owe now is astronomical compared to what I originally borrowed! I was mislead by this student loan company so many times! I 'll never have enough to raise my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I was notified by Department of Ed ( XXXX sent them information ) that I was receiving a forgiveness for student loan from XXXX and Navient because I have been getting a XXXX payment of {$560.00} p/mo for a number of years due to XXXX. 

While XXXX canceled my payment and refunded my money sent to them since XXXX 2017, Navient did not and continues to bill and acrue interest with no acknowledgement of any kind. I did list them on the sheet from Department of Ed because it is a FFELP student loan. 

I hope you can help me with this dilemma because this loan is climbing much higher instead of decreasing and I can not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
MY MORTGAGE WAS ARBITRARILY MODIFIED OR CHANGED FROM A 30 YR TO A 40 YR MORTGAGE. I NEVER AUTHORIZED NOR CONSENTED TO THE MODIFICATION. IN ADDITION, I WAS NEVER LATE IN MY PAYMENT, BUT THE MORTGAGE COMPANY REPORTED ME LATE ON ONE PAYMENT WHICH ADVERSELY AFFECTED CREDIT. I BECAME AWARE OF THE MODIFICATION IN XXXX 2016 WHEN I WAS ATTEMPTING TO REFINANCE THE MORTGAGE. ALL EFFORTS TO HAVE THE MORTGAGE ADDRESS BOTH THE UNAUTHORIZED MODIFICATION AND DEROGATORY CREDIT REPORT HAVE FALLEN ON DEAF EARS. NOTE THAT I DID NOT ATTACHED THE FULL MORTGAGE NOTE BECAUSE IT WAS TOO LARGE. I WILL BE GLAD TO OVERNIGHT IT.

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 2015-04-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My Primary mortgage XXXX, that has been the subject of previous communications has been foreclosed, or more precisely the foreclosure sale date has been set for XXXX XXXX, 2015. 
I applied for the NC Foreclosure Prevention Fund, for the MPP. The sale date was stayed. In XXXX, I was notified by MPP, that my application was removed for consideration, so the foreclosure sale date was set for XXXX XXXX, 2015. 
I have a pending sale date on another property that I own, that will provide enough cash, to reinstate my Primary Mortgage. This sale of this other property, has been delayed by weather ( rain ), the surveyors are behind schedule on several of their clients and can not perform duties until after the foreclosure sale date. This was true for several surveyors. 
I request that the Foreclosure sale date be deferred for 2 months, to be sure the survey and closing can be completed. Closing will occur asap, I request 2 months, to allow enough time, in case there are further delays, preventing surveyors, closing attorneys, etc from completing their tasks, especially in consideration of this busiest time of year, for real estate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bastion Consumer Funding I, LLC
State: TX

Complaint narrative:
I 'm a XXXX year old XXXX widow living on fixed income, and back on XXXX/XXXX/2015 I took out an installment loan of {$230.00} with Cash America in XXXX, TX due to some medically related out of pocket expenses associated with XXXX XXXX/XXXX/2015. Since I was n't able to pay the whole amount plus interest in 30 days, I asked for an installment loan thinking I would have ( 5 ) months to pay the loan plus interest in equal affordable pays, but I wound up having to pay {$100.00} monthly for ( 4 ) months with the final payment being {$340.00} on the fifth month. Just understand that I intend on paying the loan back in full because I had to give them a blank check on my bank account which they will immediately turn in to bank if I miss payment. I just wanted to know if this is a legal contract in Texas because I 'm beng charged {$510.00} for them extending me {$230.00} in credit.

Company response to consumer: Closed
Consumer complaint received 2016-12-11 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.

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 2016-08-14 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: OH

Complaint narrative:
My monthly payment jumped from {$13.00} a month on a level payment plan to {$50.00} a month this past month. My maturity date also changed from XX/XX/XXXX, to XX/XX/XXXX. I was never notified of any acceleration of my loan, nor am I in any state of default. After calling Navient, they said they would research because they do n't have any record of why it changed either. I hate having to watch my loans like a hawk monthly as this is n't the first issue I have had with XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TENET HEALTHCARE CORPORATION
State: NC

Complaint narrative:
The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security Card so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Everytime I ask for my payments to be lower they would not allow it but instead suggest forbearance or deferment. They implied these would help me get caught up when in fact it hurt me more. Never offered all of the solutions that should have been offered to me. Only offered solutions that would keep me in debt longer and make my loan and in treat higher. Also when I applied for XXXX the payments are still very high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Before applying for a Bank Americard Cash Rewards Card, I was told " your interest rate will be determined upon approval '' and told ... '' you may cancel the card if I am not happy with the interest rate. '' I applied for the card and received notice saying " your credit application has been approved with a {$13000.00} credit line. '' There was not mention of the interest rate as promised. I consider this false advertising. 

I called, no one could tell me what the interest rate was, and I was told to wait XXXX weeks until the card and paperwork arrives. I would have not applied if it took weeks to find out what the interest rate was. 

I find this totally offensive that they tricked me into applying then make me wait. In the meantime, my credit score drops because of their checking so I am TRAPPED with no card having to wait to see what the interest rate will be, before applying for a card elsewhere. This is a total strong arm lender biased transaction that is unfair to all consumers. BOA should be required to tell me the rate BEFORE applying or at the same time they give approval.

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 2015-09-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
XXXX/XXXX/2015, XXXX MT, XXXX, showing as Private Name on home phone, called and asked for XXXX. I replied " You have a wrong number, '' and hung up. 
XXXX/XXXX/2015, XXXX MT, XXXX, called my cell phone. A nasty toned female rattled off supposedly her name and some supposed id number. She mutilated my name and wanted me to '' tell XXXX to call '' her " today. '' I told her she had no right to call me. She replied that she could call me on any number she wanted to. I told her I did n't know who she was. She raised her voice and said 'of course I did, she had already identified herself and told me she was from Navient. ' I told her I 'd been the victim of the IRS and Anthem hacks. She attempted to talk and yell over me. I hung up. 
I cosigned a private loan and have XXXX XXXX loans associated with my daughter XXXX. All XXXX loans are current. If this was a valid Navient phone number and Navient representative, Navient had no business calling me and demanding that I call or contact my daughter ( or anyone, for that matter ) regarding anything that I am not personally responsible for. This is harassment, bullying, and unprofessional conduct and activity. In addition, years ago XXXX directed XXXX XXXX to remove my name from all her federal and private loans ' contact lists. They supposedly did, but now Navient is calling. Why is n't Navient abiding by XXXX XXXX 's supposed " word '' not to call me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I have a low income based payment in place. And the irs still took my refund. I received a letter stating that the offset was to be cancelled. However, my funds were still offset. I am going through a garnishment from my payroll at this very moment from the state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 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: CA

Complaint narrative:
I 've been working with XXXX XXXX XXXX, XXXX. since XXXX XXXX, paying them {$100.00} each month in order to have my debts with XXXX XXXX and XXXX University " settled '' or " dismissed ''. I began receiving calls from Navient in XX/XX/XXXX/XX/XX/XXXX saying that they had taken over my account from XXXX XXXX and needed to speak with me regarding my accounts. Having been informed by XXXX not to speak to any of the companies regarding my debts, but to refer them to XXXX, I attempted to contact XXXX to resolve the issue. I did n't hear back from XXXX either in XX/XX/XXXX or XX/XX/XXXX despite continued efforts on my part, calling into the office, leaving voicemails, being disconnected when the representative said they were transferring me to an account specialist. In speaking with Navient to try to help with the communication between the XXXX companies I learned that Navient was willing to try to discuss a settlement offer, and left voicemails with XXXX letting them know. I also gave Navient XXXX 's contact information, but was informed later on that XXXX was not getting back to them. 
In XXXX XXXX I placed a stop playment on my account to prevent XXXX from withdrawing the XXXX under their XXXX XXXX XXXX automatic payment. Once the stop payment was placed, XXXX once against starting contacting me, saying that they were working on my account, had only been authorized under our agreement to work with XXXX XXXX directly ( not Navient ), and would bring my account current and continue work to resolve my student loan debt, requesting that I release the stop payment. Due to financial difficulties I chose not to release the stop payment and was surprised to see that they had successfully withdrawn two payments ( one being a back payment ) of the {$100.00} a couple weeks later ( in XXXX XXXX ) by drafting checks payable to XXXX. I issued a second stop payment in XXXX XXXX only for them to once again change their method, this time drafting a check payable to XXXX XXXX XXXX. 
I have recently been contacted by XXXX XXXX XXXX, XXXX saying that they are now working with XXXX and taking over several of their accounts. I did a little research and was disturbed to find out that XXXX uses the same services and companies to withdraw money from their clients accounts. I also called Navient and found out that my account has now been placed in collections with a separate legal group who were completely unaware of my working with XXXX. I have not signed any agreement with XXXX and based on my research do n't plan to. 
I also worked with XXXX XXXX XXXX to resolve my federal loans through XXXX XXXX between XX/XX/XXXX and XXXX XXXX, paying them {$140.00} each month only to be told in my last conversation with OMP ( XXXX/XXXX/XXXX ) that those loans may still be outstanding.

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

Complaint narrative:
I work for XXXX and currently my wages have been being garnished for the past year. I have wrote two letters to the President of the US and have received a response. I did not know this bureau existed until the current lawsuit. My student loan is with Navient and they would not work with me. My son was diagnosed with XXXX, as well as XXXX which put me behind in my loan. They refused to work with me to get my loan current. I told them I could provide all medical documentation which clearly states that my finances were helping my child. They are garnishing my wages as well as continuing to accrue interest will they are garnishing my wages as well. They refuse to help me and just keep taking from my check as well as adding on interest while taking. Please help. The President of the US has sent me a letter in return that he is hoping to fix this situation. I can provide all documentation to date.

Company response to consumer: Closed with explanation