vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mortgage was past due. I contacted Bank of America to obtain a letter showing the cost to reinstate my loan. The reinstatement letter was created on XXXX/XXXX/2015, and was good through XXXX/XXXX/2015. We obtained a cashier 's check for the amount due of $ XXXX to reinstate our loan. This included the attorneys fees, property inspection fees etc. On XXXX/XXXX/2015, we received a letter stating our payment was received and our next payment would be due on XXXX/XXXX/2015. Our XXXX XXXX, 2015 statement showed the amount due of $ XXXX which is our regular monthly payment. It still showed our home was in foreclosure even though we paid the amount required to bring it current. I addressed this concern with Bank of America and was told it was no longer in foreclosure, but they didnt have anything they could send me in writing to confirm this. We paid our XXXX payment, and it was posted on XXXX/XXXX/2015. 
On XXXX XXXX, I receive our XXXX statement, and it includes Title Fees backdated to XXXX/XXXX/2015! These fees were not reflected on the reinstatement letter dated XXXX/XXXX/2015 nor were they reflected on our XXXX statement. They somehow magically appeared on XXXX XXXX, and were backdated to XXXX! I feel this tacking on of fees and then backdating them is fraudulent. If the fees were incurred on XXXX, they why were n't they listed on our reinstatement letter dated XXXX, or our XXXX statement? Who 's to say Bank of America will not add on extraneous fees on a whim and then backdate them in the future? 
I doubt I am the first borrower they have tried doing this to, but I hope to be the last.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
my home loan went into default XXXX of 2015, I several attempts to bring my account current each time the rep stated the system would not accept the payment. Now my loan is in foreclosure status/ Modification supposedly additional information was needed far as my income, I have been waiting for a new modification packet going on 3 weeks among other things I received a letter stating no longer will assigned person be handling my loan any concerns contact the home loan team. Well I did just that to find out no one will is allowed to discuss my account with 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 explanation
Consumer complaint received 2017-01-31 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: FL

Complaint narrative:
I had to several hardship, I loss everything and had to file bankruptcy. I was advise per the bankruptcy these student loans should have been discharged. I have not been able to get a job with this degree from this university. I am truly in need of some assistance. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
State employees credit union of NC has an account that 's not mine.

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 2016-04-06 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: VA

Complaint narrative:
My original payment was set at {$50.00} around XX/XX/XXXX. I called to get my limit raised to {$190.00} since I can afford more to autopay each month. Each month only {$0.00} comes out. I 've called since this first happened in XX/XX/XXXX and Navient said the next payment should be {$190.00}, but that has yet to happen. I 've ended up paying more interest than I would have if I my autopay could actually take the correct about of money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have a XXXX owned, Bank of America serviced home loan. My home is still 'under water '. Is n't it the case that Bank of America was recently required to reduce principal values on homes that were purchased/financed via sub-prime loans? Am I eligible to receive such a principal reduction on my home loan?

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 2015-09-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Bank of America customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Bank of America, " I have n't used this card in years why would you still send this out and charge me? '' Her respond was, " you knew what it was when you signed up. " If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
All my credit card accounts are set up on automatic bill pay that offer the option to automatically pay the minimum amount due ... except Bank of America. So, not having information on how to accomplish a minimum payment automatically, I checked the minimum listed and added {$5.00} to it. Well, yesterday I received an email saying my payment was past due and was charged {$16.00} for a late fee. Upon calling them today, I learned that they had upped their minimum payment without notifying me so my payment was not accepted and I was charged. This is the second time that Bank of America has charged me an unfair fee. The first was with their changing the due date by 5 days without notifying me and claiming it was because there was a different number of days in the billing cycle. I did find out that there is a way to set a minimum payment but you have to go to a totally separate page that I was never told about to do it nor were there instructions on the page to set up auto pay.

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 2017-01-24 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: ID

Complaint narrative:
Over the past several years, my lender influenced me to continue applying for forbearance actions with my loans rather than provide me with helpful information regarding repayment plans based on my income. I continued to ask about payments ( specifically, payment options based on my low income ), and continuously ended up using forbearance strategies based on the advise of my lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have had several problems with Navient Student loan however currently even though I am making payments on my sons loan ( co-signer ) because they sent threatening letters to me ( co-signer ) and ruined my credit, because he was out of work and unable to pay. they were unwilling to work with him or us they were rude on the phone and very poor customer service. Despite my wife and I ( co-signer ) have payments being directly sent from our bank every month regularly before payment due they are charging us LATE fees even though payments are on time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd.
State: CO

Complaint narrative:
I have been plagued with repeated calls from a debt collection company called Harris and Harris for close to a year. They call both of my land lines, often more than once a day, usually both line and a few times every week. Sometimes they ask for my son, who does not live here and is not connected to my address or phone numbers other than by last name. I have returned their calls and spoken with someone telling them that he does not live here and they need to find him on their own. If I see him I will give him the information but to stop calling me. 
To date, nothing has worked, I was called twice yesterday and so far once today. 
The phone numbers are XXXX XXXX and XXXX XXXX. 
Can you help please?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My spouse has not worked because of medical reasons since XX/XX/2015. We are having problems making our mortgage payment and the bank states that we do not qualify for help and recommended a short sale of our house which we do not want to do.

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 2016-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
For the same loan that you had resolved for me previously, I 'm now being asked by Navient which XXXX XXXX had said was their spin off for it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This this is not a duplicate of CFPB Case number : XXXX as it is a new and separate incident. 

On XX/XX/XXXX, after the issuance of the XX/XX/XXXX for XX/XX/XXXX installment statement and immediately prior to the Trustee Sale of XX/XX/XXXX, Bank of America bought down the principal balance associated with this account twice, meaning it was bought down XX/XX/XXXX and put back after I called Bank of America on this illegal activity related to a mortgage or Deed of Trust and then bought down again XX/XX/XXXX. 

According to the information and representations provided to me on XX/XX/XXXX by XXXX ( Customer Service Department ) and XX/XX/XXXX by XXXX ( Home Retention Department ) Bank of America employees, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX which is supported by information received from the Trustee, XXXX XXXX XXXX XXXX ( XXXX ), that the MAXIMUM bid at Trustee 's Sale and public auction has been reduced to {$300000.00}. Obviously, this amount excludes the MHA and CalHFA monies due at time of sale. To date, neither the MHA and CalHFA debts have been satisfied and are currently attached to the account. 

This account is a signature loan as established XX/XX/XXXX and the associated real proprty had not been used as collateral to secure the XX/XX/XXXX Deed of Trust that Bank of America has foreclosed upon after a seven ( 7 ) year delinquency and after a rejected settlement offer made a year before recording a Notice of Default ( NOD ). Clearly, the Notice of Trustee Sale ( NTS ) ( which I have yet to receive a recorded copy of ) is a retaliatory action related to a mortgage or Deed of Trust. 

All previously mentioned resolutions are desired and mandatory.

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 2016-06-20 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
How can a credit card provider refuse to accept payment online when the account is valid and has always had funds? 
Bank of America 's credit card system will not process my payment to balance because I " exceeded the amount of credit card payments [ I ] can make in a calendar month. '' I tried to pay my balance due of XXXX today due XXXX XXXX. I try to be responsible and pay when I receive funds either through reimbursement or when I receive my paycheck. The XXXX accounts I use for payment are long standing accounts that I use every month for payments. I had to call and electronically process a check drawn on the same account that I tried to use online. Between waiting period ( over 16 minutes ) and processing time, it took almost 25 minutes to pay my bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On Monday, XX/XX/2015, I went into my local Bank of America branch office to obtain a direct deposit form for my employer. I was directed to the desk of XXXX, Relationship Banker with Bank of America. She asked me if I was interested in applying for a Bank of America credit card and I told her I was not interested at this time and wanted to discuss it with my parents. She asked me some other questions which I was made to believe were necessary in order to obtain the direct deposit form. On Saturday, XX/XX/2015, I received XXXX documents in the mail from Bank of America. XXXX document indicated that they had received my recent application for the BankAmericard Cash Rewards Platinum Plus Visa and that it was a duplicate request so it would not be processed. The other document I received congratulated me on my request for credit from Bank of America and that it was approved and that a credit check was done in my name with credit score information included.  I had no knowledge of this application ever being submitted on my behalf and I have been informed that according to the law no one can obtain credit for me without my authorization. Also, because I am under the age XXXXXXXX proof of my income is necessary to apply for a credit card which was never obtained, and was fabricated on the application that was submitted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TENET HEALTHCARE CORPORATION
State: OH

Complaint narrative:
Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time.

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 — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America accepted my mortgage for modification but I rejected their offer. Now when I make a full payment on my mortgage, they do not apply it to my loan but instead hold the money as a " XXXX '' until the payment is late and apply a late fee to my account. This has occurred for two consecutive months beginning when I rejected their offer of modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-29 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: WI

Complaint narrative:
Navient LLC, a debt collector, has failed to respond to my numerous demands to cease and desist. They have invaded my credit Federal Credit Report, and continued to send threating letters, as well continued harassing me with phone calls. They have contacted other family members in connection to this alleged debt, via emails and phone calls, family members that are not associated with the matter in any way. 
Navient LLC is under some delusion they are not a debt collector, and not subject to the FDCPA, because the purchase, sale, or transfer of the alleged debt took place while " it was not in default ''. I again demanded Navient send me information with a dispute letter in XXXX, which was ignored, and again in XXXX, which thus far remains unanswered. The alleged loan was in default as far back as 2011, and any records Navient LLC has obtained are either incomplete, inaccurate, or they have not done a meaningful review. Either way, they have not answered properly in any case. In addition, the conflicting information received from Navient, as to who they are, has prompted me to file a FTC Identity Theft Report # XXXX. In one letter they are a servicer, the next an assignee. They say they are not a debt collector, but include a mini Miranda at the bottom of the letter. Navient 's lack of correct information, and confusing letters, warrants an investigation by the FTC as to how my personal private information was obtained w/o my authorization or knowledge. 
In any case, Navient LLC is not a creditor of mine, and even if they are working for another entity that purports to be a creditor, they would both be regulated by the FDCPA, and will abide by the provisions of such. I have on numerous occasions asserted my right to dispose of this matter under 15 USC 1692c. I have disputed the alleged debt. Navient 's only response is to continue sending me threating letters, and harassing me with phone calls, saying they do n't have to stop, and that I have no protection from them, along with threats of a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 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: MS

Complaint narrative:
Loan from XXXX University and I have never attended school there. A duplicate loan from XXXX XXXX College made after I left. XXXX semester, XXXX classes and XXXX {$5900.00} dollar loans. XXXX at the beginning of the semester and XXXX after I had left the school. Only the first XXXX is legitimate and has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capitpal is in violation of the FCRA and FDCA I believe to my lawyers knowledge as well as my background involve with these laws. The company seems to have bought this debt from XXXX which has unfortunately sold them a in accurate account based or dispute with them that they refused to correct.As well This company should be reporting the first day of collection based on the info from XXXX and not showing as recent collection with them.They must report the original date of collection, Instead they are reporting it as it is recent which is causing other companies to deny credit based on there incoorect date and violation of the FCRA and FDCA.They know this hoping it will harm a consumer more by reporting false information, As well the amount is not correct and other information I am not disclosing because they should know this, instead they expect consumers to correct there mistakes for them .No attempt was ever made by them as well in neither letter or phone call which I only accept mail communications and they have failed to do so cause I could have reported this and dispute then.

Company response to consumer: Closed with non-monetary relief