vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Just found out that I 've been paying for years through my Bank of America account for something called XXXX. Called BOA and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called BOA back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued " courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only.

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 2016-10-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. 
( 3 ) who was the note holder up until the day the held the documents. 
( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.

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 2016-12-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Tel : XXXX XXXX XXXX Account XXXX XXXX Bank of America Account XXXX XXXX Bank of America They close my account with out tell me and I have done nothing wrong with 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 2017-03-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NJ

Complaint narrative:
I had originally filed a complaint on XX/XX/XXXX. [ Case number : XXXX ]. Their response to me on XX/XX/XXXX was as follows : " Ditech records reflect that you voluntarily applied for a modification review and, after completing the trial period plan, you were approved for a permanent modification. Once the modification is completed the account will be brought current. Ditech currently is waiting for the signed modification documents to be returned by you. 

If you have any questions regarding the loan modification process, please contact Ditech representative XXXX at ( XXXX ) XXXX extension XXXX " I 've called them in XXXX once I received the recorded modification documents with the XXXX. They assured me that the account will be updated on their system the first week of XX/XX/XXXX. By the end of XXXX, I still did not see my account updated to reflect a modification in place but instead it still shows that I am past due and late on my payments. I 've since them called them many times. One time they said that it will be updated in the beginning of XXXX. I called again in mid-XXXX and they said it will be updated soon because they are under-staffed. It is now XX/XX/XXXX and I still am showing my account not up to date. I demand that at this point they get my account updated because this is affecting my ability to apply for any credit or mortgage. Thank you.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
My mortgage was initially with Bank of America. In 2007 Bank of America transferred our mortgage to XXXX. In checking my credit report. My mortgage is being reported as XXXX times 90 days late in 2007. Our mortgage was never late!!! We paid Bank of America on time each and every time. They or XXXX is falsely reporting this. Also, it is listed in 2007. When XXXX got the loan they began charging us approximately {$690.00} per month in PMI on a XXXX dollar mortgage. This has to be against the law and unethical at least, price gouging a consumer. I have tried numerous times to get this straightened out with XXXX but never get anywhere. I feel we are being held hostage by this mortgage company who then just in the last two months has transferred our loan again to someone called XXXX. I have asked for our original mortgage documents, they said they would send them but I have not received them. This has been one month ago. I had never seen the late reporting from Bank of America until we went to our credit union to refinance our mortgage because we ca n't afford the payment which continues to go up and is now at {$1900.00} per month because of the PMI. Our loan officer at the credit union could n't understand why my credit score was in the 600 's until she kept looking and found the 90 days late for XXXX times being reported from Bank of America!!!! Help!!! How can I get this removed, it is false and damaging information.

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 2017-02-16 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: PA

Complaint narrative:
at approximately XXXX today XX/XX/XXXX17, I called Navient to discuss my private loan I took out when I was in my XXXX year at XXXX University . My bill is {$87.00} a month. I am still enrolled in my XXXX and there telling me my in-school deferment is up on my private loan. I was able to go into a forebearance for two more months before I have to start paying that loan back. I had informed Navient that I am unemployed and still in school and when I had asked about any lower payments the only option is paying the {$67.00} interest payment for 24 months. My issue is not so much a complaint but an inquiry as the rules regarding in-school deferments for private loans. Also am I entitled to have my payments lowered further if I am still in school and have no away of avoiding a payment until I graduate?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is engaging in fraudulent business practices by charging me excessive overdraft fees, then claiming my bank is overdrawn by over {$1000.00}. The only reason my account was overdrawn by over {$1000.00} is because Bank of America has been engaging in fraudulent business practices. In addition, Bank of America fraudulently reported my name to XXXX and XXXX even though Bank of America charged me excessive overdraft fees. Bank of America is engaging in illegal acts by charging excessive overdraft fees then reporting me to XXXX and XXXX after charging me those excessive overdraft fees in excess of {$1000.00}. Bank of America is engaging in fraudulent business practices and false advertising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, I was about closing on a new home, when the underwriter called for my final credit report before the loan closes, the underwriter found out that I was reported to have a 30 days late on my current mortgage. When I contacted Bank of America the loan servicer, I was told that yes, I was late on my mortgage. However, what happened is that my XXXX mortgage which was reported late was paid on time. The issue, is that there was a slight adjustment on my escrow account in amount of {$50.00} or so. The bank refused to credit the already paid amount and Bill me for the balance but chose to report me late. The rep I spoke to said they tried to reach me but was unable to. They sent me a written mail to that effect but I did not open the letter. I thought is XXXX of the letters I receive daily. They have my email address but chose not to contact me through email. They even said, that they dont't have my phone number in their system, which was a surprise to me. Overall, I beleive that Boa did not treat me good after being with the bank for about 8 years paying my mortgage on time. Moreover, I beleive they knew I was about acquiring a new home for them to make this move. Please I need your assistance with this because my credit went fromXXXX down to XXXX, of which no bank can service any loan for with such credit rating. Also, I have {$10000.00} in my escrow account, which I may lose if this issue is not resolved in timely manner. I have pleaded with them to reverse this no avail. I even involved a lawyer to assist but it seems it got worse. Please I need an urgent action to this effect. My loan number with boa is XXXX. 
Thanks for your anticipated assistant to this effect.

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 2016-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. 
They failed to refund my escrow money and no action has been taken to resolve this issue by them. 
I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.

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 monetary relief
Consumer complaint received 2015-06-15 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For the past several months, Bank of America Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Bank of America on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Bank of America has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Navient is stating that I owe {$11000.00}. My loan is for {$10000.00} and I have been making payments so I would think it should be less. I tried working our a plan for months, but they were very difficult to deal with. My acct fell further behind. They finally put me into forbearance ( deferring my loan payments ) because the repayment plans they were proposing we not affordable. This went on for years because there payment plans were too high and I knew I would fall behind again. I offered to make small payments every month, but they were not willing to accept them. I believe the years of forbearance caused my loan to incue additional interest and fees that could have been avoided. When they finally came up with a payment plan that I could afford, they said they would remove any negative information from my credit if I made payments on-time for XXXX months. They put me in a " probationary '' period. I completed the XXXX months but they did not remove the negative information. After several phones calls and letters to Navient and the credit bureaus for months, the negative information was finally removed from XXXX and XXXX, but still remains on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: MD

Complaint narrative:
My loans were placed into deferment without my approval or knowledge. I logged into my loan servicing site, Navient, to make my normal payments for the month of XXXX and discovered that all of my loans both private and federal had been placed into deferment. I never received any communication or request for approval for this to happen. I called Navient to try and resolve the issue, requesting that all of my loans be taken out of deferment and returned to the normal payment schedule I was previously on. My concern was, since the loans were placed into deferment, interest would begin to accrue and further more be capitalized into my principal. I made it clear in my initial call that I wanted the loans out of deferment, and to return to my normal payment schedule specifically to avoid any interest being capitalized. I was informed that my loans were removed from deferment and that I would be able to make my normal monthly payment for XXXX. I then proceeded to make my normal payments as I had done previously. 

Then in XXXX, when I logged back into my account to make my payment for that month, not only did I notice that I had not been returned to my normal payment schedule, Navient had also capitalized approximately {$100.00} worth of interest, despite me having made my normal payment for XXXX. I called again to have this straightened out explaining that I was to be returned to my normal pay schedule for XXXX and that the payment I made should be applied normally to avoid any interest capitalizing. I was told that nothing could be changed because the payment cycle had ended. When I inquired as to why my loans had been placed into deferment in the first place without my knowledge I was told that this was a federal requirement. This seemed suspect to me, especially since neither myself nor my cosigner received any notification. I again requested Navient return me back to my normal pay schedule for the month of XXXX. After speaking with both a representative and a manager, I was assured that I had been returned to my normal schedule. To date, my payment is due on XXXX XXXX and my account still does not reflect my normal payment schedule as requested. Additionally, none of the capitalized interest has been removed despite having continued to make my normal monthly payments. As a result, my monthly payments due has now increased because of the capitalized interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 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 constantly calls me at work. They spoke to my former employer that works for the same organization I still work for, and my career may now be unstable because of this. They hit my credit so hard that there is no way to refinance through another company. I am a XXXX who is still in the service and they have affected my life so much that I am unable to buy a house for my sons as a single mother and I worked two jobs until a few months ago. They offered me that I could make a higher payment for 120 on time payments if I wanted to be forgiven for my student loans. I have ten years XXXX federal service and 18 years in the military. Nothing matters to the other person on the phone. The calls are relentless. They hound until you just go get a second job because you ca n't survive it. 18 years in the service, and their employees are to be avoided before a XXXX. I ca n't afford an attorney or I would get one. I ca n't file bankruptcy or I will lose my job. Most states wo n't include student loans in a bankruptcy in any case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of america credit card account, back in XXXX, I had agreed with bank of america to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Bank of America violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy

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 2017-02-23 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: VT

Complaint narrative:
In 2013, I started working for a public school and learned about the loan forgiveness program. I called Navient ( my student loan servicer ) to consolidate my loans to qualify for loan forgiveness. They said that their income based loan would qualify me for the loan forgiveness program. I consolidated my loans, and AGAIN asked " does this qualify me for loan forgiveness program? '' They told me, " I was all set! '' They also stated that there was no form to submit for loan forgiveness until I completed 120payments over 10 years so I did not follow up sooner. Recently, I called to check in around this, and was informed that I WAS NOT in the loan forgiveness program, and that I needed to consolidate my loans through the US department of ED. I was furious!!!!!! I have been paying for 4 years and was misled by this company completely!!!!!!! Now I have consolidated my loans through the US department of ED in a direct loan, and have ONE payment toward my 10 years. This is so wrong by Navient and I am devastated!!!!!!! I just lost 4 years of payments. I will fight for that to be forgiven. They mislead me completely!!!! Please help me resolve this issue. I feel so violated ... I have never been late on my loans, I want those loans to count toward loan forgiveness-I have done right by my student loans. Navient was dishonest, and misled me ... 

Sincerely, XXXX Sincerely, XXXX

Company response to consumer: Closed with explanation