vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was Bank of America, and that I owed from a credit card back in XXXX. I have never had a Bank of America card!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I currently have a mortgage loan with a XXXX lien on the property. I got behind on XXXX loans. My house is now currently being rented by tenants and when I called to make my final payment on the house I was informed the home had been sold. Bank of America has not filed anything within XXXX County to indicate a foreclosure and I was never informed it was in foreclosure. I even went to the County Clerk 's office as well as checked online for any transfer of deed and found nothing but a Release. I owe less than {$5000.00} on both loans and the house is valued at around $ XXXX {$150000.00}. A XXXX XXXX called me on XXXX XXXX to inform me she would look into the matter and I have n't heard from her since. I 've left several phone calls with no answer. I am ready to payoff the house and Bank of America will not communicate with me. I have just been diagnosed with XXXX and do not have any recourse in pursuing litigation against them. I just want to pay off my house - both loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 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: IN

Complaint narrative:
I was the co-signer on a loan. The borrower was unable to pay, and defaulted. I settled with them for a lump sum payment. After paying, they will not allow it to be removed or updated on my credit report. It still shows I own them $ XXXX. I have called them a number of times. They just say it 's not there department, and transfer me to another, this happens about 3 times before they send me back to the main number. I have tried emailing, and calling every number I have for them. They are NO help at all even though I paid them for a loan I never personally got benefit for ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX 2014, I requested a line increase to my Bank of America credit card form {$5000.00} to {$6000.00}. Just this week, I applies for a loan and my credit score was extremely low. On my report it shows that my Bank of America credit card showed that I was over my limit and had been for the almost one year. I contact Bank of America and they say that I was never approved for the {$6000.00} increase however, they let me go over my credit card limit and allowed the purchases up to the {$6000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When HARP started my county ( XXXX XXXX, Florida ) opened an office to help residents get refinancing for their home loans. I filled out the paperwork, the county submitted it to BofA.. When BofA received the application, they immediately started placing all of my monthly payments in a private BofA account, ( they called it escrow ), not in the loan account. It started showing up as NO MONTHLY PAYMENT MADE on my credit report. The county complained, I wrote letters to BofA. I got a response that said they were holding the payments in escrow.. and I was NOT behind. BUT, on my credit report is showed I had not made a payment in over 2 years. That is still on my credit report. I have letter from BofA in XXXX stating that I was up to date on payments. BUT, it still shows on my credit report that i did not make a house payment for over 2 yrs ... They eventually rejected my application. BUT, NEVER retracted the 2 yrs. I complained every way possible. Lawyer wrote them.. still it shows on my credit report that i did not make house payment for 2 yrs.. I applied to another firm for refi. They saw the BofA entry.. Asked me.. i sent them the payments for every month for 2 yrs. They said BofA should remove that statement. They did refi my house. BUT, I still have the lines in my credit report. I needed a XXXX in 2010. They would not grant it because of the line in my credit report. XXXX sent an investigator ( retired FBI agent ) to my house for interview. I showed him my file, he agreed, BofA was lying on the credit report. I was granted the clearance based on his review. I got to XXXX and my agency hasseled me over it. I fully expect that my clearance will not be renewed when the time comes because the line is still in my credit report. I have tried every way possible to get BofA to remove that line. If you have another way? Please speak help me. It keeps my credit score low because it shows i did not make a payment for over 2 yrs. 
thanks for reading this ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I requested that Bank of America ( BOA ) remove the PMI for the past three years and they declined me each time. Each time my request was denied eventhough my equity or loan-to-value amount met the requirements for the removal. Recently, my loan matured to greater than XXXX yrs old and I requestd for the XXXX time that BOA remove my MPI in XXXX in which BOA said that they would look into it. BOA never removed my MPI and in XXXX they sold my loan to XXXX Mortgage company. XXXX is now in process of removing my PMI. However, BOA repeatidly ignored my request throughout the years. Recently, my loan was tenured enough and value high enough to meet the removal. Also, I have never missed a payment. This has cost me additional fees throughout the years since my PMI should have been removed in XXXX I have since pay a PMI for an additonal XXXX months. My MPI is about {$80.00} a month. To a middle class family {$400.00} is a lot. 

Also, I think that it is unfair that BOA sold my loan. I believe that this is a form of discrimination. They were aware that I was refinancing and wanted my MPI removed. I think that they sold my loan to another creditor because of these factors. This is a bad banking practice which is horrible customer experience. This process delayed me from getting refinanced. This is also unfair to other creditors that purchase loans like mine and later take a financial hit while the bigger bank get rid of customers that have rated them low throughout the years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is " available '' after " pending. '' Bank Of America then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was " deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my " online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-06 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I applied for forebarence on my Navient loan which was approved. They continued to call and harrass me for payment anywhere from 6-10 calls per month. I finally spoke to a person in XX/XX/XXXX and they told me the loan was n't in forebarence even though I had a letter stating it was. I negotiated with the collections rep to make a double payment by the XXXX of the month every month until the loan was brought current. I made that first double payment XX/XX/XXXX on the phone. I sent the second double payment XX/XX/XXXX via mail which they received on XX/XX/XXXX. My next double payment should n't be due until XX/XX/XXXX. This morning ( XX/XX/XXXX ) I received a phone call saying my payments are late and need to be brought current. No record of course with me negotiating the double payment back on XX/XX/XXXX. I am doing what I said I would do and the phone calls and harrassment does n't seem to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In 2008 We had a Countrywide loan when Bank of America took it over. Bank of America immediately put us into foreclosure proceedings even though we were not late on our loan. It took us 4 years, and finally negotiations from our state senator forced them to write us a Harp loan at 7.5 % interest. We want to refinance now and everywhere we go, they wont talk to us because our credit is showing XXXX late over 90 days. This is NOT OUR FAULT! How do we get them to remove it from our credit?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have student loans that have been consolidated, sold, closed and even transfer. These loans are still currently on my credit report and hurting my scores. I am requesting the removal of these old student loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 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: WA

Complaint narrative:
I have repeatedly been placed in forbearance when I asked about {$0.00} payment plans which has caused interest to accrue on my loans to over {$50000.00} on loans that were not nearly so high. I need help with these people. They call and call and call and call but wo n't give me the information that I need for income based repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX, XXXX, ( XXXX NC ) sent my credit card to the wrong address setting up the path for XXXX late fees. The fees then set the card to cancel and give me and my dad lower FICO scores because of the bad credit ping

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My home is in foreclosure and BOA Ban of America is not fairly handling my attempt to short sale. I am filing a property value dispute because the appraisal is inaccurate. I have a buyer who wants to live in the house. However there is alot of work that needs to be done. The buyer is qualified to get a mortgage with funds to repair built in. I have a XXXX sale scheduled for Tuesday XXXX XXXX, 2016 and have asked for the bank to postpone awaiting the results of my value dispute. Bank of America refuses and claims XXXX will not allow them to postpone. I need to be able to short sale in order to avoid foreclosure. I have filed a complaint with XXXX FHA case # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07 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:
Navient has never sent me information I constantly am giving them update information that they never update and they never send me any kind of proof that I paid anything and they also never send me the interest that I need for my tax refund every time I call them they are incredibly rude and obstructing obstructing and say that they 're gon na do one thing and they never do it. It has been incredibly frustrating. Constantly tell me i am behind, yetnever sebd a payment schedule nor proof of my payment. Automated number hags up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change.

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: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Iam struggling to make payment they suggested, so they steered me to a forbreance If that keeps up I 'll never get ahead of lian.

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 decrease my monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
As I approached my graduation date I called my loan provider to get assistance with consolidating my loans. The person that helped me took me through so many steps that I actually felt good about about the process and felt that the person was actually consolidating my loans. Well a year or two later I get a call saying that I owed all this money to all these different companies regarding my student loans. I explained to the person that that could not be possible because I had consolidated my loans already. The person told me that that was not the case. My loans were not consolidated and had never been consolidated. I began to feel angry and I wanted to cry. So the person on the phone began to yell at me about making a payment. When I explained that I was still trying to process that for nearly two years I thought my loans were consolidated and come to find out that they were not, I was lost for words. So I was told that I could get into some type of repayment plan for nine months and after that period I would be caught up. And my loan would come out of default. Well I participated in the repayment plan, they garnished my checks and withheld my tax refund from me for years. The student loan process is not worth the stress that people go through. Many people aspire to go to college, get a degree, and hope to become a part of society and positively impact the world. Well for many they live with worry about how they are going to make it from day to day. And then when these college graduates get married and have kids of their own they struggle with how will me child pay for college especially if I 'm still trying to pay off a large debit that I owe. I would urge people to save as much as they can to make a better future for their families. It 's much easier said than done. But do we really want our children to suffer the way many are suffering today? Something has to change. You ca n't build up hope and expectations with little kids about going to college if they wo n't be able to afford it or be able to afford to live after they have gone to college and graduated with a large debt chained to their legs. Something has to change. Build a better and brighter future, PLEASE!

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: NY

Complaint narrative:
Steered towards forbearance instead of offered an income-based repayment program. Notifications were lacking in information that my IBR was about to expire and required renewal. Loan calculation were a bit skewed, I earned an additional {$1200.00} from one year to the next due to a raise, Navient increased my loan payment by {$90.00} a month when I filed for IBR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Total Card, Inc.
State: IL

Complaint narrative:
This company has changed name multiple times, I have sent Proof of all my addresses, name and my Drivers License and state ID most of all my PASSPORT showing I was out of the country for 3 yrs. and a Police report. to prove. and they still refuse to remove XXXX fraud accounts. I had a fraud alert and they did not call to verify Identity also I was told these XXXX credit cards was open on line. using a fraudulent address for a XXXX XXXX XXXX I have given way to much info to this company and they continue to play around. I have been mailing them for 5 months XXXX XXXX who does this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I believe that my banking account with bank of America has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with bank of America have been shut down. I contacted the bank first, but had no luck with recovery of information or help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a loan with navient who currently has a lawsuit against them. Also the school that I received the loan from also has a law against them. My original started with direct soi am also requesting verification of the amount of the loan. this matter has caused a lot of stress on me and my family. we can not get any help or loans any where!! navient make it really hard to do anything in life because of the reports they leave on your credit report. this lawsuit they have against them is for the same reason I am filing this complaint they over charging and imposing fees I never agreed to which has my loan more then {$6000.00} over the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been a AAA VISA card holder since XXXX. Outstanding balances were always paid on time. In XXXX XXXX a BofA rep called me and, giving my frequent foreign travels, urged me to take a XXXX VISA card. This XXXX Card was issued the same month to me. On XXXX XXXX this year I informed XXXX that I would be traveling for one week to XXXX XXXX. They put a notice in their records. After arriving in CR I realized that both XXXX cards were refused when I tried to pay with them. I called XXXX, and after being referred to various agents who could not tell me what was wrong, the fourth agent finally told me that the accounts of both cards had been closed on XXXX XXXX and that I should have received a letter in the mail informing me about the closure. But she did say that BofA would not tell me the " Business Reasons " for the closure. Luckily my hotel accepted my XXXX Card which many merchants did not do. 
Upon my return to the US I went to a BofA Branch, I keep a checking account there with substantial balances, and they informed me that my Debit Card had also been closed. They were at a loss why this was done but then handed a copy of the letter to me which seems to be somewhere in the postal system which reads " This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the bank 's risk tolerance. '' By the way my outstanding balance on the Visa accounts to $ XXXX It also informs me that reward points associated with the account would be forfeited. 
The Branch Manager reiterated that Bank of America could not give further explanations for the closure but urged me to contact XXXX to check my Credit Rating and thus find the answer for the closure of my VISA accounts. After checking with XXXX I learned that my Credit Score is XXXX, A, as of XXXX XXXX, that there was nothing delinquent or derogatory. 
To be kind, I find BofA 's behavior bizarre, there seems little interest in good clients.

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